Basic commercial loan with added flexibility.

• A combination of term loan and overdraft.

• Margin of financing up to 85% (with MRTA).

• Financing tenure up to 20 years or up to age 60 years.

• No processing fee.

Eligibility:

• Minimum age: 18 years old.

• Open to Malaysian citizens, Permanent Residents or workers with work permit in Malaysia.

Documents required:

1. Copy of NRIC or valid Passport & VISA / Work Permit / Employment Pass ( for Non-Malaysian

    Citizen or Expatriate).

2. Copy of Sales and Purchase Agreement or Booking Receipt.

3. Confirmation Letter of Employment (required if current employment is less than 1 year).

4. Income Documents:

Individual Applicants:

a) For Employed Applicant:

i. Fixed salary earner:

• Latest 3 months' salary slips.

• Latest EPF statement.

• Latest 3 months' bank statements that reflect salary credited.

ii. Fixed salary earner with commission:

• Latest 6 months' salary slips.

• Latest EPF statement.

• Latest 6 months' bank statements that reflect salary credited.

iii. Full commission earner:

• Latest 12 months' commission statements.

• Latest 6 months' bank statements that  reflect commission crediting.

b) For Self Employed Applicant:

i. Sole Proprietor and Partnership:

• Latest 6 months' business / personal bank statements.

• Form A & D.

ii. Company:

• Latest 6 months' business / personal bank statements.

• Form 24 & 49.

c) Non-Individual Applicants (Company / Partnership / Sole-Proprietorship):

• Business Registration Form.

• Profile of Company, Directors and Management team.

• Certified true copy of M&A, Form 24 / 44 / 49 and 9.

• Latest 2 Years' audited accounts or management accounts.

• Latest 6 months' company's bank statements.

• Latest 2 years' Form J (for Guarantor / Proprietor).

• Latest 3 months' payslips (for Guarantor).