List of all the interest rates for BSN's products and services.

BASE RATE, BASE LENDING RATE & STANDARDISED BASE RATE

CategoryInterest Rate (% p.a.)

Standardised Base Rate (SBR) - effective 11 November 2022

2.75%
Base Rate (BR)3.60%
Base Lending Rate (BLR)6.35%

Indicative Effective Rate of Home Loan

CategoryInterest Rate (% p.a.)Loan AmountLock-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

DEPOSIT

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 11 November 2022

Balance of Account

Interest Rate (p.a.)

Less than RM150.00

2.50%

RM150.00 to RM25,000.00

2.50%

> RM25,000.00 to RM50,000.00

2.50%

> RM50,000.00

0.25%

Effective 11 November 2022

Balance of Account

Interest Rate (p.a.)

Less than RM150.00

2.50%

RM150.00 to RM25,000.00

2.50%

> RM25,000.00 to RM50,000.00

2.50%

> 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 15 July 2020

Period of Savings

Interest Rate (p.a.)

Bonus

First Year (12 months)

1.50%

15% on interest earned

Second Year (24 months)

1.50%

30% on interest earned

Subsequent Years

1.50%

30% on interest earned

Effective 11 November 2022

Balance of Account

Interest Rate (p.a.)

Less than RM150.00

2.50%

RM150.00 to RM25,000.00

2.50%

> RM25,000.00 to RM50,000.00

2.50%

> RM50,000.00

0.25%

Effective 11 November 2022

Tenure

Interest Rate (p.a.)

1 month

2.50%

3 months

2.80%

6 months

2.85%

9 months

2.90%

12 months

3.10%

15 months

3.10%

18 months

3.10%

24 months

3.10%

36 months

3.10%

48 months

3.10%

60 months

3.10%

Effective 11 November 2022

Tenure

Interest Rate (p.a.)

12 months

3.25%

15 months

3.20%

18 months

3.20%

24 months

3.20%

36 months

3.20%

48 months

3.20%

60 months

3.20%

loan

Fixed Rate

Floating Rate

4.60% to 5.30%

SBR + 2.60% to SBR + 4.62%

Notes:

  1. Additional 1% from the above interest rate for Loan without Insurance.

  2. Terms and conditions apply.

BSN MyRinggit Eksekutif-1(Fixed 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%

Loan Amount

Interest Rate

≤ RM50,000

SBR + 1.90%

> RM50,000

SBR + 1.70%

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).

Loan Amount

(RM)

Tenure

(Year)

Effective Interest Rate (EIR)

Completed Property

Under Construction Property

RM 100,000 and below

Whole tenure

SBR + 3.85%

SBR + 3.85%

>RM100,000

 up to RM300,000

1 - 2

SBR + 2.05%

SBR + 1.80%

Thereafter

SBR + 2.05%

Loan Amount

Tenure

Interest Rate

Completed / Under
Construction Property

RM100,000 and above

Year 1

3.00%

Year 2

SBR + 2.35%

Thereafter

SBR + 4.05%


Loan Amount

Tenure

Completed Property

RM250,000 and above

Year 1

4.00%

Thereafter

SBR + 2.35%

Notes:

  1. For loan amount of RM350,000 and above with 20 years of loan tenure, the indicative interest rate is SBR + 2.35%*.

  2. *Eligibility for age limit of 70 years old is subject to Bank's Terms & Conditions.

  3. *Subject to terms and conditions.

Interest Rate:

  • Fixed: Ranges from *2.35% to 3.00% per annum

  • Floating: Ranges from *SBR + 1.59% to SBR + 2.98% 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:

  • Ranges from *3.00% p.a. to 3.80% p.a

*Final rate may vary depending on customer's individual 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 11 November 2022 (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.