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 |
Indicative Effective Rate | 4.35% (SBR + 1.35%) | RM350,000 | 30 Years with No Lock-in Period |
Indicative Effective Rate | 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 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 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 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 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% |
 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.
Tenure | 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% |
 Note:
- Additional 1% from the above profit rate for Financing without Takaful.
- Contracted Profit Rate (CPR): 15.00% (subject to change) – Floating Rate only.
- Terms and conditions apply.
Floating Rate | |
SBR + 2.70% |
 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% |
 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).
Tenure | 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
Tenure | 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 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:
- 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 – 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.
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