List of all the interest rates for BSN's products and services.
BASE RATE, BASE LENDING RATE & STANDARDISED BASE RATE
| Category | Interest Rate (% p.a.) |
Standardised Base Rate (SBR) - effective 17 July 2025 | 2.75% |
| Base Rate (BR) | 3.60% |
| Base Lending Rate (BLR) | 6.35% |
Indicative Effective Rate of Home Loan
| Category | Interest Rate (% p.a.) | Loan Amount | Lock-in Period |
Indicative Effective Rate | 4.10% (SBR + 1.35%) | RM350,000 | 30 Years with No Lock-in Period |
Indicative Effective Rate | 4.10% (BR + 0.50%) | RM350,000 | 30 Years with No Lock-in Period |
DEPOSITS
Effective 1 November 2016 | |
Balance in Account | Interest Rate (p.a.) |
All balances | 0.25% |
Effective 1 November 2016 | |
Balance in Account | Interest Rate (p.a.) |
All balances | 0.25% |
Effective 21 December 2020 | |
Balance in Account | Interest Rate (p.a.) |
RM0 - RM50,000 | 0.10% |
> RM50,000 | 0.20% |
Effective 17 July 2025 | |
| Balance of Account | Interest Rate (p.a.) |
Up to RM50,000.00 | 2.15% |
> RM50,000.00 | 0.25% |
Effective 17 July 2025 | |
| Balance of Account | Interest Rate (p.a.) |
Up to RM50,000.00 | 2.15% |
> RM50,000.00 | 0.25% |
Effective 15 July 2020 | |
Balance in Account | Interest Rate (p.a.) |
Up to RM500 | 0.30% |
> RM500 - RM5,000 | 0.40% |
> RM5,000 - RM25,000 | 0.50% |
> RM25,000 - RM50,000 | 0.75% |
> RM50,000 - RM100,000 | 1.00% |
> RM100,000 - RM500,000 | 1.50% |
> RM500,000 | 1.75% |
Effective 17 July 2025 | |
| Balance of Account | Interest Rate (p.a.) |
Up to RM50,000.00 | 2.15% |
> RM50,000.00 | 0.25% |
Effective 17 July 2025 | |
Tenure | Interest Rate (p.a.) |
1 month | 2.15% |
2 months | 2.20% |
3 months | 2.30% |
4 months | 2.30% |
5 months | 2.30% |
6 months | 2.35%Â |
7 months | 2.40% |
8 months | 2.40% |
9 months | 2.40% |
10 months | 2.40% |
11 months | 2.45% |
12 months | 2.45% |
15 months | 2.45% |
18 months | 2.45% |
24 months | 2.45% |
36 months | 2.45% |
48 months | 2.45% |
60 months | 2.45% |
Effective 17 July 2025 | ||
Tenure | Interest Rate (p.a.) | |
12 months | 2.80% | |
15 months | 2.80% | |
18 months | 2.80% | |
24 months | 2.80% | |
36 months | 2.80% | |
48 months | 2.80% | |
60 months | 2.80% | |
Effective 5 April 2025 | |
Balance in Account | Interest Rate (p.a.) |
Up to RM25,000 | 0.00%Â |
> RM25,000 – RM50,000 | 0.25% |
> RM50,000 – RM100,000 | 0.50% |
> RM100,000 – RM500,000 | 0.75% |
| > RM500,000 | 1.00% |
Effective 13 September 2024 | |
Balance in Account | Interest Rate (p.a.) |
RM0 - RM5,000 | 0.00% |
> RM5,000 - RM100,000 | 0.50% |
> RM100,000 - RM500,000 | 1.00% |
> RM500,000 | 1.50% |
loan
Flat Rate | Floating Rate |
4.60% to 5.30% | SBR + 2.60% to SBR + 4.62% |
Notes:
Additional 1% from the above interest rate for Loan without Insurance.
Terms and conditions apply.
BSN MyRinggit Eksekutif-1 (Flat Rate) | ||
Income | Interest Rate (p.a.) | Loan Limit |
RM3,000 to RM5,000 | 8.50% | 5x of monthly gross income |
> RM5,000 to RM10,000 | 7.00% | 7x of monthly gross income |
> RM10,000 | 6.00% | 10x of monthly gross income / Maximum RM200,000 whichever is lower |
Note: Additional 1% from the above interest rate for Loan without Insurance
BSN MyRinggit Eksekutif-1(Floating Rate) |
Interest Rate (p.a.) |
SBR + 5.85% |
Note: Additional 1% from the above interest rate for Loan without Insurance
Loan Amount | Interest Rate |
< RM100,000 | SBR + 3.35% |
≥ RM100,000 | SBR + 2.85% |
With Insurance | Without Insurance |
SBR + 1.32% | SBR + 1.42% |
No.  | Loan Amount  | Tenure  | Effective Profit Rate (EPR) | |
Completed and Under Construction Property | ||||
Non-FEC | FEC | |||
1 | RM100,000 and below | Whole Tenure | SBR + 3.85% | SBR + 3.85% |
2 | > RM100,000 to < RM300,000 | SBR + 1.45% | SBR + 1.60% | |
3 | RM300,000 to < RM500,000 | SBR + 1.35% | SBR + 1.50% | |
4 | RM500,000 and above | SBR + 1.25% | SBR + 1.40% | |
Notes:
- Additional 0.15% from the above interest rate for loan without Insurance.
- Non Finance Entry Cost (Non-FEC) is 90% + 5% MRTA;
- Finance Entry Cost (FEC) is applicable for first and second time house buyer with Margin of Financing (MOF) of up to 90% from property purchase price + 10% (5% MRTA + 5% legal and valuation fees).
| Interest Rate | |
| SBR + 1.60% |
| Loan Amount | Completed / Under Construction |
| RM100,000 and above | SBR + 2.00% |
Note:
*Subject to terms and conditions.
Interest Rate:
Flat: As low as 2.35% per annum
Floating: As low as *SBR + 1.59% per annum
*Individual rate may vary based on vehicle segment and BSN's credit evaluation.
Loan Tenure | Vehicles Category | |
Non-National & Unregistered Reconditioned | National | |
3 – 4 years | 2.53% p.a. | 2.85% p.a. |
5 – 9 years | 2.63% p.a. | 2.95% p.a. |
Interest Rate:
- Flat: As low as 3.00% per annum.
- Floating: As low as SBR + 2.61% per annum
Note: Profit rate may vary based on individual’s credit evaluation.
BSN Micro TemaNiaga & BSN Micro TemanMesra
Interest Rate*: As low as 6.38% p.a.
Note:
*Final rate may vary depending on customer’s individual credit evaluation.
PKBC
Interest Rate: 4.00% p.a.
Automation and Digitalisation Facility (ADF)
Interest Rate: 4.00% p.a.
Agrofood Facility (AF)
Interest Rate: 3.75% p.a.
NOTES:
- Effective 17 July 2025 (SBR, BLR & BR).
- The IER example is for illustration purposes only.
- Rates may vary for other mortgage scheme.
The Indicative Effective Profit Rate is for the standard mortgage financing offered by BSN.Â
