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

BASE RATE, BASE FINANCING RATE & STANDARDISED BASE RATE

CategoryProfit Rate (% p.a.)

Standardised Base Rate (SBR) - effective 17 July 2025

2.75%
Base Rate (BR)3.60%
Base Financing Rate (BFR)6.35%

Indicative Effective Rate of Home financing

Category

Profit Rate (% p.a.)

Financing 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 from 16 October 2025 to 15 November 2025

BSN SSP Profit Sharing Ratio Indicative Profit Rates
RM10 - RM50,000 1:990.05%
> RM50,000 2:980.10%

Effective 10 February 2024

Balance in Account 

Profit Rate (p.a.)

All balances

2.00%

Effective 10 February 2024

Balance in Account 

Profit Rate (p.a.)

All balances

1.50%

Effective 17 July 2025

Tenure

Profit 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% 

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 20 January 2020
TenureProfit Rate (p.a.)
1 month0.10%
3 months0.25%
6 months0.45%
9 months0.70%
12 months1.00%

Effective 17 July 2025

Tenure

Profit 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 1 March 2021

Balance in Account 

Profit Rate (p.a.)

All balances

0.25%

Effective 1 March 2021

Balance in Account 

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 Account 

Profit Rate (p.a.)

RM0 - RM50,000

0.10%

> RM50,000

0.20%

Effective 17 July 2025

Balance of Account

Profit Rate (p.a.)

Up to RM50,000.00

2.15%

> RM50,000.00

0.25%

Effective 17 July 2025

Balance of Account

Profit Rate (p.a.)

Up to RM50,000.00

2.15%

> RM50,000.00

0.25%

Effective 17 July 2025

Balance of Account

Profit Rate (p.a.)

Up to RM50,000.00

2.15%

> 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%

Effective 5 April 2025

Balance in Account

Profit Rate (p.a)

Up to RM25,000

0.00%

> RM25,000 – RM50,000

0.25%

> RM50,000 – RM100,000

0.50%

> RM100,000 – RM500,000

0.75%

> RM500,000

1.00%

financing

Floating Rate
SBR + 2.62% to SBR + 3.12%

 Note:

  1. Additional 0.50% from the above profit rate for Financing without Takaful.
  2. Contracted Profit Rate (CPR): 15.00% (subject to change).
  3. Terms and conditions apply.
Tenure Profit Rate
1- 10 yearsSBR + 2.87%


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

Flat RateFloating Rate
4.60% to 5.30% SBR + 2.60% to SBR + 4.62%

 Note:

  1. Additional 1% from the above profit rate for Financing without Takaful.
  2. Contracted Profit Rate (CPR): 15.00% (subject to change) – Floating Rate only.
  3. Terms and conditions apply.
Floating Rate
SBR + 2.70%

 Note:

  1. Additional 1% from the above profit rate for Financing without Takaful.
  2. Contracted Profit Rate (CPR): 15.00% (subject to change).
  3. Terms and conditions apply.
Floating Rate
SBR + 2.65% to SBR + 5.85%

 Note:

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

BSN MyRinggit-i Eksekutif-1 (Flat Rate)

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

Tenure Profit Rate
1 - 3 yearsSBR + 2.85%
4 - 10 yearsSBR + 3.30%


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

Tenure Profit Rate
2- 10 yearsSBR + 2.77%


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

Financing Tenure (years)Profit RateMinimum Financing Amount
1 to 2 3.00% RM5,000
3 to 10 3.50% RM10,000
3 to 10 4.00% < RM10,000
With TakafulWithout Takaful
SBR + 1.32% SBR + 1.42%

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

With TakafulWithout Takaful
SBR + 1.32% SBR + 1.42%

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

No.Financing AmountTenureEffective Profit Rate (EPR)
Completed and Under Construction Property
   Non-FECFEC
1RM100,000 and belowWhole TenureSBR + 3.85%SBR + 3.85%
2> RM100,000 to < RM300,000SBR + 1.45%SBR + 1.60%
3RM300,000 to < RM500,000SBR + 1.35%SBR + 1.50%
4RM500,000 and aboveSBR + 1.25%SBR + 1.40%

Notes:

  •  Additional 0.15% from the above profit rate for financing without Takaful.
  •  Non Finance Entry Cost (Non-FEC) is 90% + 5% MRTT;
  •  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 AmountCompleted /
Under Construction
RM100,000 and aboveSBR + 2.00%

Note:

  • *Subject to terms and conditions
Profit Rate
SBR + 1.60%
Profit Rate
SBR + 1.60%

Profit Rate:

  • Flat: 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:

  • Flat: As low as 3.00% per annum
  • Floating: As low as SBR + 2.61% per annum

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

Profit Rate:

  • Flat: 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:

  • Flat: 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:

  • 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.

Profit Rate:

  • Flat: As low as 2.30% per annum
  • Floating: As low as *SBR + 1.49% per annum

Notes:

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

Financing 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.

  • BSN Micro-i TemaNiaga-i
    Profit Rate*: As low as 6.38% p.a.

Note:
* Final rate may vary depending on customer’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.

  • Targeted Relief and Recovery Facility-i (TRRF-i)
    Profit Rate: 3.50% p.a.

NOTES:

  • Effective 17 July 2025 (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