Payment Payment

Table TablePersonal
Payment for
Table for Personal
for Personal Financing-i
Financing/-iFor
Financing-i ForPrivate
Private Sector
For Sector
Private Sector
VariableVariable
Variable Rate(promo)
Rate
Rate (promo)FY2022
(promo) FY2022
FY2022
Financing tenure 1 2 3 4 5 6 7

Financing Amount (RM) 12 24 36 48 60 72 84

Annual Effective rate 21.50%

Equivalent Flat rate 12.02% 11.96% 12.19% 12.48% 12.80% 13.13% 13.46%
2,000 186.71 103.26 75.86 62.47 54.67 49.66 46.24
3,000 280.06 154.89 113.80 93.71 82.01 74.49 69.35
4,000 373.42 206.53 151.73 124.94 109.34 99.32 92.47
5,000 466.77 258.16 189.66 156.18 136.68 124.15 115.59
6,000 560.12 309.79 227.59 187.41 164.01 148.98 138.71
7,000 653.48 361.42 265.53 218.65 191.35 173.81 161.83
8,000 746.83 413.05 303.46 249.88 218.68 198.64 184.95
9,000 840.19 464.68 341.39 281.12 246.02 223.47 208.06
10,000 933.54 516.32 379.32 312.35 273.35 248.30 231.18
11,000 1,026.89 567.95 417.26 343.59 300.69 273.13 254.30
12,000 1,120.25 619.58 455.19 374.82 328.02 297.96 277.42
13,000 1,213.60 671.21 493.12 406.06 355.36 322.79 300.54
14,000 1,306.95 722.84 531.05 437.29 382.70 347.62 323.65
15,000 1,400.31 774.47 568.98 468.53 410.03 372.45 346.77
Annual Effective rate 18.50%
Equivalent Flat rate 10.30% 10.20% 10.35% 10.56% 10.80% 11.04% 11.29%
16,000 1,470.69 802.66 582.46 474.19 410.66 369.46 340.99
17,000 1,562.61 852.82 618.86 503.83 436.33 392.55 362.30
18,000 1,654.53 902.99 655.27 533.46 461.99 415.64 383.61
19,000 1,746.44 953.15 691.67 563.10 487.66 438.74 404.93
20,000 1,838.36 1,003.32 728.07 592.74 513.32 461.83 426.24
21,000 1,930.28 1,053.49 764.48 622.38 538.99 484.92 447.55
22,000 2,022.20 1,103.65 800.88 652.01 564.66 508.01 468.86
23,000 2,114.12 1,153.82 837.29 681.65 590.32 531.10 490.17
24,000 2,206.03 1,203.98 873.69 711.29 615.99 554.19 511.49
25,000 2,297.95 1,254.15 910.09 740.92 641.66 577.28 532.80
26,000 2,389.87 1,304.32 946.50 770.56 667.32 600.38 554.11
27,000 2,481.79 1,354.48 982.90 800.20 692.99 623.47 575.42
28,000 2,573.71 1,404.65 1,019.30 829.83 718.65 646.56 596.73
29,000 2,665.63 1,454.81 1,055.71 859.47 744.32 669.65 618.05
30,000 2,757.54 1,504.98 1,092.11 889.11 769.99 692.74 639.36
31,000 2,849.46 1,555.15 1,128.52 918.74 795.65 715.83 660.67
32,000 2,941.38 1,605.31 1,164.92 948.38 821.32 738.92 681.98
33,000 3,033.30 1,655.48 1,201.32 978.02 846.98 762.01 703.29
34,000 3,125.22 1,705.64 1,237.73 1,007.66 872.65 785.11 724.61
35,000 3,217.13 1,755.81 1,274.13 1,037.29 898.32 808.20 745.92
36,000 3,309.05 1,805.98 1,310.53 1,066.93 923.98 831.29 767.23
 37,000 3,400.97 1,856.14 1,346.94 1,096.57 949.65 854.38 788.54
38,000 3,492.89 1,906.31 1,383.34 1,126.20 975.32 877.47 809.85
39,000 3,584.81 1,956.47 1,419.74 1,155.84 1,000.98 900.56 831.16
40,000 3,676.72 2,006.64 1,456.15 1,185.48 1,026.65 923.65 852.48
41,000 3,768.64 2,056.81 1,492.55 1,215.11 1,052.31 946.75 873.79
42,000 3,860.56 2,106.97 1,528.96 1,244.75 1,077.98 969.84 895.10
43,000 3,952.48 2,157.14 1,565.36 1,274.39 1,103.65 992.93 916.41
44,000 4,044.40 2,207.31 1,601.76 1,304.02 1,129.31 1,016.02 937.72
45,000 4,136.32 2,257.47 1,638.17 1,333.66 1,154.98 1,039.11 959.04
46,000 4,228.23 2,307.64 1,674.57 1,363.30 1,180.65 1,062.20 980.35
47,000 4,320.15 2,357.80 1,710.97 1,392.94 1,206.31 1,085.29 1,001.66
48,000 4,412.07 2,407.97 1,747.38 1,422.57 1,231.98 1,108.39 1,022.97
49,000 4,503.99 2,458.14 1,783.78 1,452.21 1,257.64 1,131.48 1,044.28
50,000 4,595.91 2,508.30 1,820.19 1,481.85 1,283.31 1,154.57 1,065.60
Annual Effective rate 15.50%
Equivalent Flat rate 8.59% 8.47% 8.56% 8.70% 8.86% 9.03% 9.21%
51,000 4,615.22 2,484.95 1,780.44 1,432.33 1,226.71 1,092.29 998.50
52,000 4,705.71 2,533.68 1,815.36 1,460.41 1,250.77 1,113.71 1,018.07
53,000 4,796.20 2,582.40 1,850.27 1,488.50 1,274.82 1,135.13 1,037.65
54,000 4,886.70 2,631.13 1,885.18 1,516.58 1,298.87 1,156.54 1,057.23
55,000 4,977.19 2,679.85 1,920.09 1,544.67 1,322.93 1,177.96 1,076.81
56,000 5,067.69 2,728.57 1,955.00 1,572.75 1,346.98 1,199.38 1,096.39
57,000 5,158.18 2,777.30 1,989.91 1,600.84 1,371.03 1,220.80 1,115.97
58,000 5,248.68 2,826.02 2,024.82 1,628.92 1,395.09 1,242.21 1,135.54
59,000 5,339.17 2,874.75 2,059.73 1,657.01 1,419.14 1,263.63 1,155.12
60,000 5,429.66 2,923.47 2,094.64 1,685.09 1,443.19 1,285.05 1,174.70
61,000 5,520.16 2,972.20 2,129.55 1,713.18 1,467.24 1,306.47 1,194.28
62,000 5,610.65 3,020.92 2,164.46 1,741.26 1,491.30 1,327.88 1,213.86
63,000 5,701.15 3,069.65 2,199.37 1,769.35 1,515.35 1,349.30 1,233.44
64,000 5,791.64 3,118.37 2,234.28 1,797.43 1,539.40 1,370.72 1,253.01
65,000 5,882.14 3,167.10 2,269.19 1,825.52 1,563.46 1,392.14 1,272.59
66,000 5,972.63 3,215.82 2,304.10 1,853.60 1,587.51 1,413.55 1,292.17
67,000 6,063.13 3,264.54 2,339.02 1,881.69 1,611.56 1,434.97 1,311.75
68,000 6,153.62 3,313.27 2,373.93 1,909.77 1,635.62 1,456.39 1,331.33
69,000 6,244.11 3,361.99 2,408.84 1,937.86 1,659.67 1,477.81 1,350.91
70,000 6,334.61 3,410.72 2,443.75 1,965.94 1,683.72 1,499.22 1,370.48
71,000 6,425.10 3,459.44 2,478.66 1,994.02 1,707.78 1,520.64 1,390.06
72,000 6,515.60 3,508.17 2,513.57 2,022.11 1,731.83 1,542.06 1,409.64
73,000 6,606.09 3,556.89 2,548.48 2,050.19 1,755.88 1,563.48 1,429.22
74,000 6,696.59 3,605.62 2,583.39 2,078.28 1,779.94 1,584.89 1,448.80
75,000 6,787.08 3,654.34 2,618.30 2,106.36 1,803.99 1,606.31 1,468.38
76,000 6,877.58 3,703.07 2,653.21 2,134.45 1,828.04 1,627.73 1,487.95
77,000 6,968.07 3,751.79 2,688.12 2,162.53 1,852.10 1,649.15 1,507.53
78,000 7,058.56 3,800.51 2,723.03 2,190.62 1,876.15 1,670.56 1,527.11
79,000 7,149.06 3,849.24 2,757.94 2,218.70 1,900.20 1,691.98 1,546.69
80,000 7,239.55 3,897.96 2,792.85 2,246.79 1,924.26 1,713.40 1,566.27
 81,000 7,330.05 3,946.69 2,827.77 2,274.87 1,948.31 1,734.82 1,585.85
82,000 7,420.54 3,995.41 2,862.68 2,302.96 1,972.36 1,756.23 1,605.42
83,000 7,511.04 4,044.14 2,897.59 2,331.04 1,996.41 1,777.65 1,625.00
84,000 7,601.53 4,092.86 2,932.50 2,359.13 2,020.47 1,799.07 1,644.58
85,000 7,692.03 4,141.59 2,967.41 2,387.21 2,044.52 1,820.49 1,664.16
86,000 7,782.52 4,190.31 3,002.32 2,415.30 2,068.57 1,841.90 1,683.74
87,000 7,873.01 4,239.04 3,037.23 2,443.38 2,092.63 1,863.32 1,703.32
88,000 7,963.51 4,287.76 3,072.14 2,471.47 2,116.68 1,884.74 1,722.89
89,000 8,054.00 4,336.48 3,107.05 2,499.55 2,140.73 1,906.16 1,742.47
90,000 8,144.50 4,385.21 3,141.96 2,527.64 2,164.79 1,927.57 1,762.05
91,000 8,234.99 4,433.93 3,176.87 2,555.72 2,188.84 1,948.99 1,781.63
92,000 8,325.49 4,482.66 3,211.78 2,583.81 2,212.89 1,970.41 1,801.21
93,000 8,415.98 4,531.38 3,246.69 2,611.89 2,236.95 1,991.83 1,820.79
94,000 8,506.48 4,580.11 3,281.60 2,639.98 2,261.00 2,013.24 1,840.36
95,000 8,596.97 4,628.83 3,316.51 2,668.06 2,285.05 2,034.66 1,859.94
96,000 8,687.46 4,677.56 3,351.43 2,696.15 2,309.11 2,056.08 1,879.52
97,000 8,777.96 4,726.28 3,386.34 2,724.23 2,333.16 2,077.50 1,899.10
98,000 8,868.45 4,775.01 3,421.25 2,752.32 2,357.21 2,098.91 1,918.68
99,000 8,958.95 4,823.73 3,456.16 2,780.40 2,381.27 2,120.33 1,938.26
Annual Effective rate 12.50%
Equivalent Flat rate 6.90% 6.77% 6.81% 6.90% 7.00% 7.11% 7.22%
100,000 8,908.29 4,730.73 3,345.36 2,658.00 2,249.79 1,981.12 1,792.12
101,000 8,997.37 4,778.04 3,378.82 2,684.58 2,272.29 2,000.93 1,810.05
102,000 9,086.45 4,825.35 3,412.27 2,711.16 2,294.79 2,020.74 1,827.97
103,000 9,175.53 4,872.65 3,445.72 2,737.74 2,317.29 2,040.55 1,845.89
104,000 9,264.62 4,919.96 3,479.18 2,764.32 2,339.79 2,060.36 1,863.81
105,000 9,353.70 4,967.27 3,512.63 2,790.90 2,362.28 2,080.17 1,881.73
106,000 9,442.78 5,014.57 3,546.08 2,817.48 2,384.78 2,099.98 1,899.65
107,000 9,531.87 5,061.88 3,579.54 2,844.06 2,407.28 2,119.80 1,917.57
108,000 9,620.95 5,109.19 3,612.99 2,870.64 2,429.78 2,139.61 1,935.49
109,000 9,710.03 5,156.50 3,646.45 2,897.22 2,452.28 2,159.42 1,953.41
110,000 9,799.11 5,203.80 3,679.90 2,923.80 2,474.77 2,179.23 1,971.34
111,000 9,888.20 5,251.11 3,713.35 2,950.38 2,497.27 2,199.04 1,989.26
112,000 9,977.28 5,298.42 3,746.81 2,976.96 2,519.77 2,218.85 2,007.18
113,000 10,066.36 5,345.73 3,780.26 3,003.54 2,542.27 2,238.66 2,025.10
114,000 10,155.45 5,393.03 3,813.71 3,030.12 2,564.76 2,258.47 2,043.02
115,000 10,244.53 5,440.34 3,847.17 3,056.70 2,587.26 2,278.29 2,060.94
116,000 10,333.61 5,487.65 3,880.62 3,083.28 2,609.76 2,298.10 2,078.86
117,000 10,422.69 5,534.96 3,914.07 3,109.86 2,632.26 2,317.91 2,096.78
118,000 10,511.78 5,582.26 3,947.53 3,136.44 2,654.76 2,337.72 2,114.71
119,000 10,600.86 5,629.57 3,980.98 3,163.02 2,677.25 2,357.53 2,132.63
120,000 10,689.94 5,676.88 4,014.44 3,189.60 2,699.75 2,377.34 2,150.55
121,000 10,779.03 5,724.18 4,047.89 3,216.18 2,722.25 2,397.15 2,168.47
122,000 10,868.11 5,771.49 4,081.34 3,242.76 2,744.75 2,416.96 2,186.39
123,000 10,957.19 5,818.80 4,114.80 3,269.34 2,767.25 2,436.77 2,204.31
124,000 11,046.27 5,866.11 4,148.25 3,295.92 2,789.74 2,456.59 2,222.23
 125,000 11,135.36 5,913.41 4,181.70 3,322.50 2,812.24 2,476.40 2,240.15
126,000 11,224.44 5,960.72 4,215.16 3,349.08 2,834.74 2,496.21 2,258.08
127,000 11,313.52 6,008.03 4,248.61 3,375.66 2,857.24 2,516.02 2,276.00
128,000 11,402.61 6,055.34 4,282.06 3,402.24 2,879.74 2,535.83 2,293.92
129,000 11,491.69 6,102.64 4,315.52 3,428.82 2,902.23 2,555.64 2,311.84
130,000 11,580.77 6,149.95 4,348.97 3,455.40 2,924.73 2,575.45 2,329.76
131,000 11,669.86 6,197.26 4,382.42 3,481.98 2,947.23 2,595.26 2,347.68
132,000 11,758.94 6,244.56 4,415.88 3,508.56 2,969.73 2,615.08 2,365.60
133,000 11,848.02 6,291.87 4,449.33 3,535.14 2,992.23 2,634.89 2,383.52
134,000 11,937.10 6,339.18 4,482.79 3,561.72 3,014.72 2,654.70 2,401.45
135,000 12,026.19 6,386.49 4,516.24 3,588.30 3,037.22 2,674.51 2,419.37
136,000 12,115.27 6,433.79 4,549.69 3,614.88 3,059.72 2,694.32 2,437.29
137,000 12,204.35 6,481.10 4,583.15 3,641.46 3,082.22 2,714.13 2,455.21
138,000 12,293.44 6,528.41 4,616.60 3,668.04 3,104.72 2,733.94 2,473.13
139,000 12,382.52 6,575.72 4,650.05 3,694.62 3,127.21 2,753.75 2,491.05
140,000 12,471.60 6,623.02 4,683.51 3,721.20 3,149.71 2,773.57 2,508.97
141,000 12,560.68 6,670.33 4,716.96 3,747.78 3,172.21 2,793.38 2,526.89
142,000 12,649.77 6,717.64 4,750.41 3,774.36 3,194.71 2,813.19 2,544.82
143,000 12,738.85 6,764.95 4,783.87 3,800.94 3,217.21 2,833.00 2,562.74
144,000 12,827.93 6,812.25 4,817.32 3,827.52 3,239.70 2,852.81 2,580.66
145,000 12,917.02 6,859.56 4,850.78 3,854.10 3,262.20 2,872.62 2,598.58
146,000 13,006.10 6,906.87 4,884.23 3,880.68 3,284.70 2,892.43 2,616.50
147,000 13,095.18 6,954.17 4,917.68 3,907.26 3,307.20 2,912.24 2,634.42
148,000 13,184.26 7,001.48 4,951.14 3,933.84 3,329.69 2,932.05 2,652.34
149,000 13,273.35 7,048.79 4,984.59 3,960.42 3,352.19 2,951.87 2,670.26
150,000 13,362.43 7,096.10 5,018.04 3,987.00 3,374.69 2,971.68 2,688.19
Note:
1. The amount shown is based on promo rate, for application approved with Group Credit Family Takaful (GCFT)/Personal Smart Shield
(PSS)
andand for selected
for selected creditcredit criteria
criteria

2. This financing is based on reducing balance, daily rest method

3. Approved rate is final, subject to credit underwriting
4. Current standard base rate is 2.25%
Range Tier Spread
RM2K - RM15K 1 SBR + 19.25%
RM16K - RM50K 2 SBR + 16.25%
RM51K - RM99K 3 SBR + 13.25%
RM100K - RM150K 4 SBR + 10.25%
5. This payment table is for reference only
6. Minimum
Campaign financing tenure
pricing ending of 1 year only applicable for personal financing (conventional).
31/12/2022

7. Campaign pricing ending 31/12/2022

updated 1/8/22_SPF02_SPFP02