## A list of all the profit rates by BSN's products and services.

## BASE RATE, BASE FINANCING RATE & STANDARDISED BASE RATE

Category | Profit Rate (% p.a.) |

Standardised Base Rate (SBR) - effective 12 May 2023 | 3.00% |

Base Rate (BR) | 3.85% |

Base Financing Rate (BFR) | 6.60% |

## Indicative Effective Rate of Home financing

## Category | ## Profit Rate (% p.a.) | ## Financing Amount | Lock-in Period |

| 4.35% (SBR + 1.35%) | RM350,000 | 30 Years with No Lock-in Period |

| 4.35% (BR + 0.50%) | RM350,000 | 30 Years with No Lock-in Period |

## DepositS

## Effective from 16 September 2024 to 15 October 2024 | ||

BSN SSP | Profit Sharing Ratio | Indicative Profit Rates |

RM10 - RM50,000 | 1:99 | 0.05% |

> RM50,000Â | 2:98 | 0.11% |

Effective 10 February 2024 | |

Balance in AccountÂ | Profit Rate (p.a.) |

All balances | 2.00% |

Effective 10 February 2024 | |

Balance in AccountÂ | Profit Rate (p.a.) |

All balances | 1.50% |

Effective 7 October 2024 | |

Tenure | Profit Rate (p.a.) |

1 month | 2.50% |

2 months | 2.55% |

3 months | 2.65% |

4 months | 2.65%Â |

5 months | 2.65%Â |

6 months | 2.70%Â |

7 months | 2.75% |

8 months | 2.75% |

9 months | 2.75% |

10 months | 2.75% |

11 months | 2.80% |

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 20 January 2020 | |

Tenure | Profit Rate (p.a.) |

1 month | 0.10% |

3 months | 0.25% |

6 months | 0.45% |

9Â months | 0.70% |

12 months | 1.00% |

Effective 6 March 2024 | ||

Tenure | Profit Rate (p.a.) | |

12 months | 3.05% | |

15 months | 3.05% | |

18 months | 3.05% | |

24 months | 3.05% | |

36 months | 3.05% | |

48 months | 3.05% | |

60 months | 3.05% |

Effective 1 March 2021 | |

Balance in AccountÂ | Profit Rate (p.a.) |

All balances | 0.25% |

Effective 1 March 2021 | |

Balance in AccountÂ | Profit Rate (p.a.) |

All balances | 0.25% |

Effective 1 March 2021 | |

Balance in Account | Profit 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 1 March 2021 | |

Balance in AccountÂ | Profit Rate (p.a.) |

RM0 - RM50,000 | 0.10% |

> RM50,000 | 0.20% |

Effective 7 October 2024 | |

Balance of Account | Profit Rate (p.a.) |

Up to RM50,000.00 | 2.50%Â |

> RM50,000.00 | 0.25% |

Effective 7 October 2024 | |

Balance of Account | Profit Rate (p.a.) |

Up to RM50,000.00 | 2.50%Â |

> RM50,000.00 | 0.25% |

Effective 7 October 2024 | |

Balance of Account | Profit Rate (p.a.) |

Up to RM50,000.00 | 2.50%Â |

> RM50,000.00 | 0.25% |

Effective 13 September 2024 | |

Balance in Account | Profit Rate (p.a.) |

RM0 - RM5,000 | 0.00% |

> RM5,000 - RM100,000 | 0.50% |

> RM100,000 - RM500,000 | 1.00% |

> RM500,000 | 1.50% |

## financing

Floating Rate | |

SBR + 2.62% to SBR + 3.12% |

**Â Note:**

- Additional 0.50% from the above profit rate for Financing without Takaful.
- Contracted Profit Rate (CPR): 15.00% (subject to change).
- Terms and conditions apply.

Profit Rate | |

SBR + 1.75% |

Notes:

- Contracted Profit Rate (CPR): 15.00% (subject to change).
- Terms and conditions apply.

TenureÂ | Profit Rate |

1- 10 years | SBR + 2.87% |

Note:

Additional 1% from the above profit rate for Financing without Takaful.

Fixed Rate | Floating Rate |

4.60% to 5.30% | SBR + 2.60% to SBR + 4.62% |

**Â Note:**

- Additional 1% from the above profit rate for Financing without Takaful.
- Contracted Profit Rate (CPR): 15.00% (subject to change) â€“
*Floating Rate only*. - Terms and conditions apply.

Floating Rate | |

SBR + 2.70% |

**Â Note:**

- Additional 1% from the above profit rate for Financing without Takaful.
- Contracted Profit Rate (CPR): 15.00% (subject to change).
- Terms and conditions apply.

Floating Rate | |

SBR + 2.65% to SBR + 5.85% |

**Â Note:**

- Additional 1% from the above profit rate for Financing without Takaful.
- Contracted Profit Rate (CPR): 15.00% (subject to change).
- Terms and conditions apply.

Income | Profit Rate p.a. | Financing 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 profit rate for Financing without Takaful.

**BSN MyRinggit-i Eksekutif-1 (Floating Rate)**

Profit Rate p.a. |

SBR + 5.85% |

Note:Â

Additional 1% from the above profit rate for Financing without Takaful.

Contracted Profit Rate (CPR): 15.00% (subject to change).

TenureÂ | Profit Rate |

1 - 3 years | SBR + 2.85% |

4 - 10 years | SBR + 3.30% |

Note:

Additional 1% from the above profit rate for Financing without Takaful.Â

TenureÂ | Profit Rate |

2- 10 years | SBR + 2.77% |

Note:

Additional 1% from the above profit rate for Financing without Takaful.

Financing Tenure (years) | Profit Rate | Minimum Financing Amount |

1 to 2 | 3.00% | RM5,000 |

3 to 10 | 3.50% | RM10,000 |

3 to 10 | 4.00% | < RM10,000 |

With Takaful | Without Takaful |

SBR + 1.32% | SBR + 1.42% |

Note:

Contracted Profit Rate (CPR): 15.00% (subject to change).

With Takaful | Without Takaful |

SBR + 1.32% | SBR + 1.42% |

Note:

Contracted Profit Rate (CPR): 15.00% (subject to change).

No. | Financing Amount | Tenure | Effective Profit Rate (EPR) | |

Completed andÂ Under Construction Property | ||||

Â | Â | Â | 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: **

- Â Additional 0.15% from the above profit rate for financing without Takaful.
- Â Non Finance Entry Cost (Non-FEC) is 90% + 5% MRTT;
- Â 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% MRTT + 5% legal and valuation fees).

Financing Amount | Completed / Under Construction |

RM100,000 and above | SBR + 2.00% |

**Note:**

- *Subject to terms and conditions

Profit Rate | |

SBR + 1.60% |

Profit Rate | |

SBR + 1.60% |

**Profit Rate:**

- Fixed: As low as 2.30% per annum
- Floating: As low as *SBR + 1.49% per annum

**Notes:**

- *Standardised Base Rate.
- Profit rate may vary according to the vehicle segment and credit evaluation.

**Profit Rate:**

- Fixed: As low as 2.35% per annum
- Floating: As low as *SBR + 1.59% per annum

*Individual profit rate may vary based on vehicle segment and BSN's credit evaluation.

**Profit Rate:**

As low as *3.00% per annum

*Individual profit rate may vary based on BSN's credit evaluation.

Financing Tenure | Vehicles Category | |

Non-National & Unregistered Reconditioned | National | |

3 â€“ 4 years | 2.53% p.a. | 2.85% p.a. |

5 â€“ 9 years | 2.63% p.a. | 2.95% p.a. |

**BSN Micro-i TemaNiaga-i**

Profit Rate*: As low as 6.38% p.a.

Note:

* Final rate may vary depending on customerâ€™s individual credit evaluation.

**PKBC-i**

Profit Rate: 4.00% p.a.

**Automation and Digitalisation Facility-i (ADF-i)**

Profit Rate: 4.00% p.a.

**Agrofood Facility-i (AF-i)**

Profit Rate: 3.75% p.a.

**PENJANA Tourism Facility-i**

Profit Rate: 3.50% p.a.

### NOTES:

- Effective 12 May 2023 (SBR, BFR & BR).
- The example is for illustration purposes only.
- Rates may vary for other mortgage scheme.
The IER example is for illustration purposes only.

The Indicative Effective Profit Rate is for the standard mortgage financing offered by BSN.Â