Payment Table for Personal Financing-i for Civil Sector (promo) FY2022

Annual Effective
Rate 5.15%
Equivalent Flat
2.73% 2.71% 2.72% 2.73% 2.74% 2.76% 2.78% 2.80% 2.82%
Rate
Total Financing 2 3 4 5 6 7 8 9 10
Amount 24 36 48 60 72 84 96 108 120
2000 89.67 61.31 47.13 38.65 33.01 28.99 25.98 23.65 21.80
3000 134.51 91.95 70.70 57.98 49.51 43.48 38.97 35.48 32.69
4000 179.34 122.60 94.28 77.31 66.02 57.98 51.97 47.31 43.59
5,000 224.17 153.26 117.85 96.63 82.52 72.47 64.96 59.13 54.49
6,000 269.01 183.91 141.41 115.96 99.03 86.97 77.95 70.96 65.39
7,000 313.85 214.56 164.98 135.29 115.53 101.46 90.94 82.79 76.29
8,000 358.68 245.21 188.55 154.61 132.04 115.96 103.93 94.61 87.18
9,000 403.52 275.86 212.12 173.94 148.54 130.45 116.92 106.44 98.08
10,000 448.36 306.51 235.68 193.27 165.05 144.94 129.91 118.27 108.98
11,000 493.18 337.16 259.26 212.59 181.55 159.44 142.91 130.09 119.88
12,000 538.02 367.82 282.83 231.92 198.06 173.93 155.90 141.92 130.78
13,000 582.86 398.47 306.39 251.24 214.56 188.43 168.89 153.74 141.67
14,000 627.69 429.12 329.96 270.57 231.06 202.92 181.88 165.57 152.57
15,000 672.53 459.77 353.53 289.90 247.57 217.42 194.87 177.40 163.47
16,000 717.37 490.42 377.10 309.22 264.07 231.91 207.86 189.22 174.37
17,000 762.20 521.07 400.66 328.55 280.58 246.41 220.85 201.05 185.27
18,000 807.03 551.72 424.23 347.88 297.08 260.90 233.85 212.88 196.16
19,000 851.87 582.38 447.81 367.20 313.59 275.40 246.84 224.70 207.06
20,000 896.70 613.03 471.38 386.53 330.09 289.89 259.83 236.53 217.96
21,000 941.54 643.67 494.94 405.86 346.60 304.38 272.82 248.36 228.86
22,000 986.38 674.33 518.51 425.18 363.10 318.88 285.81 260.17 239.76
23,000 1031.21 704.98 542.08 444.51 379.61 333.37 298.80 272.00 250.65
24,000 1076.05 735.63 565.65 463.84 396.11 347.87 311.79 283.83 261.55
25,000 1120.88 766.29 589.21 483.16 412.62 362.36 324.79 295.65 272.45
26,000 1165.71 796.94 612.79 502.49 429.12 376.86 337.78 307.48 283.35
27,000 1210.55 827.58 636.36 521.82 445.62 391.35 350.77 319.31 294.24
28,000 1255.39 858.23 659.92 541.14 462.13 405.85 363.76 331.13 305.14
29,000 1300.22 888.89 683.49 560.47 478.63 420.34 376.74 342.96 316.04
30,000 1345.06 919.54 707.06 579.80 495.14 434.83 389.73 354.79 326.94
31,000 1389.90 950.19 730.63 599.12 511.64 449.33 402.73 366.61 337.84
32,000 1434.73 980.85 754.19 618.45 528.15 463.82 415.72 378.44 348.73
33,000 1479.56 1011.49 777.77 637.78 544.65 478.32 428.71 390.27 359.63
34,000 1524.40 1042.14 801.34 657.10 561.16 492.81 441.70 402.09 370.53
35,000 1569.23 1072.80 824.91 676.43 577.66 507.31 454.69 413.92 381.43
36,000 1614.07 1103.45 848.47 695.76 594.17 521.80 467.68 425.74 392.33
37,000 1658.91 1134.10 872.04 715.08 610.67 536.30 480.67 437.57 403.22
38,000 1703.74 1164.76 895.61 734.41 627.17 550.79 493.67 449.40 414.12
39,000 1748.58 1195.40 919.17 753.73 643.68 565.29 506.66 461.22 425.02
40,000 1793.41 1226.05 942.74 773.06 660.18 579.78 519.65 473.05 435.92
41,000 1838.24 1256.70 966.32 792.39 676.69 594.27 532.64 484.88 446.82
42,000 1883.08 1287.36 989.89 811.71 693.19 608.77 545.63 496.70 457.71
43,000 1927.92 1318.01 1013.45 831.04 709.70 623.26 558.62 508.53 468.61
44,000 1972.76 1348.65 1037.02 850.37 726.20 637.76 571.61 520.36 479.51
45,000 2017.59 1379.31 1060.59 869.69 742.71 652.24 584.61 532.18 490.41
46,000 2062.43 1409.96 1084.16 889.02 759.21 666.74 597.60 544.01 501.31
47,000 2107.26 1440.61 1107.72 908.35 775.72 681.23 610.59 555.84 512.20
48,000 2152.09 1471.27 1131.30 927.67 792.22 695.73 623.58 567.66 523.10
49,000 2196.93 1501.92 1154.87 947.00 808.73 710.22 636.57 579.49 534.00
50,000 2241.77 1532.56 1178.44 966.33 825.23 724.71 649.56 591.32 544.90
51,000 2286.60 1563.21 1202.00 985.65 841.73 739.21 662.55 603.14 555.80
52,000 2331.44 1593.87 1225.57 1004.98 858.24 753.70 675.55 614.97 566.69
 Payment Table for Personal Financing-i for Civil Sector (promo) FY2022

53,000 2376.28 1624.52 1249.14 1024.31 874.74 768.20 688.54 626.80 577.59
54,000 2421.10 1655.17 1272.70 1043.63 891.26 782.69 701.53 638.62 588.49
55,000 2465.94 1685.83 1296.28 1062.96 907.76 797.19 714.52 650.45 599.39
56,000 2510.78 1716.47 1319.85 1082.29 924.27 811.68 727.51 662.28 610.29
57,000 2555.61 1747.12 1343.42 1101.61 940.77 826.18 740.50 674.10 621.18
58,000 2600.45 1777.78 1366.98 1120.94 957.28 840.67 753.49 685.93 632.08
59,000 2645.29 1808.43 1390.55 1140.27 973.78 855.17 766.49 697.76 642.98
60,000 2690.12 1839.08 1414.12 1159.59 990.29 869.66 779.48 709.58 653.88
61,000 2734.95 1869.73 1437.69 1178.92 1006.79 884.15 792.47 721.41 664.78
62,000 2779.79 1900.38 1461.26 1198.24 1023.30 898.65 805.46 733.23 675.67
63,000 2824.62 1931.03 1484.83 1217.57 1039.80 913.14 818.45 745.06 686.57
64,000 2869.46 1961.68 1508.40 1236.90 1056.30 927.64 831.44 756.89 697.47
65,000 2914.30 1992.34 1531.96 1256.22 1072.81 942.13 844.43 768.71 708.37
66,000 2959.13 2022.99 1555.53 1275.55 1089.31 956.63 857.43 780.53 719.27
67,000 3003.97 2053.64 1579.10 1294.88 1105.82 971.12 870.42 792.36 730.16
68,000 3048.80 2084.29 1602.67 1314.20 1122.32 985.62 883.41 804.18 741.06
69,000 3093.63 2114.94 1626.23 1333.53 1138.83 1000.11 896.40 816.01 751.96
70,000 3138.47 2145.59 1649.81 1352.86 1155.33 1014.60 909.39 827.84 762.86
71,000 3183.31 2176.24 1673.38 1372.18 1171.84 1029.10 922.38 839.66 773.76
72,000 3228.14 2206.90 1696.95 1391.51 1188.34 1043.59 935.37 851.49 784.65
73,000 3272.98 2237.55 1720.51 1410.84 1204.85 1058.09 948.37 863.32 795.55
74,000 3317.82 2268.19 1744.08 1430.16 1221.35 1072.58 961.36 875.14 806.45
75,000 3362.64 2298.85 1767.65 1449.49 1237.86 1087.08 974.35 886.97 817.35
76,000 3407.48 2329.50 1791.22 1468.82 1254.36 1101.57 987.34 898.80 828.24
77,000 3452.32 2360.15 1814.79 1488.14 1270.86 1116.07 1000.33 910.62 839.14
78,000 3497.15 2390.81 1838.36 1507.47 1287.37 1130.56 1013.32 922.45 850.04
79,000 3541.99 2421.45 1861.93 1526.80 1303.87 1145.06 1026.32 934.28 860.94
80,000 3586.83 2452.10 1885.49 1546.12 1320.38 1159.55 1039.31 946.10 871.84
81,000 3631.66 2482.76 1909.06 1565.45 1336.88 1174.04 1052.30 957.93 882.73
82,000 3676.49 2513.41 1932.63 1584.78 1353.39 1188.54 1065.29 969.76 893.63
83,000 3721.33 2544.06 1956.20 1604.10 1369.89 1203.03 1078.28 981.58 904.53
84,000 3766.16 2574.71 1979.77 1623.43 1386.40 1217.53 1091.27 993.41 915.43
85,000 3811.00 2605.36 2003.34 1642.76 1402.90 1232.02 1104.26 1005.23 926.33
86,000 3855.84 2636.01 2026.91 1662.08 1419.41 1246.52 1117.26 1017.06 937.22
87,000 3900.67 2666.66 2050.48 1681.41 1435.91 1261.01 1130.24 1028.89 948.12
88,000 3945.51 2697.32 2074.04 1700.73 1452.42 1275.51 1143.23 1040.71 959.02
89,000 3990.35 2727.97 2097.61 1720.06 1468.92 1290.00 1156.22 1052.54 969.92
90,000 4035.17 2758.62 2121.18 1739.39 1485.42 1304.49 1169.21 1064.37 980.82
91,000 4080.01 2789.27 2144.74 1758.71 1501.93 1318.99 1182.20 1076.19 991.71
92,000 4124.85 2819.92 2168.32 1778.04 1518.43 1333.48 1195.19 1088.02 1002.61
93,000 4169.68 2850.57 2191.89 1797.37 1534.94 1347.98 1208.19 1099.85 1013.51
94,000 4214.52 2881.22 2215.46 1816.69 1551.44 1362.47 1221.18 1111.67 1024.41
95,000 4259.36 2911.88 2239.02 1836.02 1567.95 1376.97 1234.17 1123.50 1035.31
96,000 4304.19 2942.53 2262.59 1855.35 1584.45 1391.46 1247.16 1135.33 1046.20
97,000 4349.02 2973.17 2286.16 1874.67 1600.96 1405.96 1260.15 1147.15 1057.10
98,000 4393.86 3003.83 2309.73 1894.00 1617.46 1420.45 1273.14 1158.98 1068.00
99,000 4438.69 3034.48 2333.30 1913.33 1633.97 1434.95 1286.13 1170.81 1078.90
100,000 4483.53 3065.13 2356.87 1932.65 1650.47 1449.44 1299.13 1182.63 1089.80
101000 4528.37 3095.79 2380.44 1951.98 1666.97 1463.93 1312.12 1194.46 1100.69
102000 4573.20 3126.44 2404.00 1971.31 1683.48 1478.43 1325.11 1206.29 1111.59
103000 4618.04 3157.08 2427.57 1990.63 1699.98 1492.92 1338.10 1218.11 1122.49
104000 4662.87 3187.73 2451.14 2009.96 1716.49 1507.42 1351.09 1229.94 1133.39
105000 4707.70 3218.39 2474.71 2029.29 1732.99 1521.91 1364.08 1241.77 1144.29
106000 4752.54 3249.04 2498.28 2048.61 1749.50 1536.41 1377.07 1253.59 1155.18
107000 4797.38 3279.69 2521.85 2067.94 1766.00 1550.90 1390.07 1265.42 1166.08
108000 4842.21 3310.35 2545.42 2087.27 1782.51 1565.40 1403.06 1277.24 1176.98
109000 4887.05 3340.99 2568.99 2106.59 1799.01 1579.89 1416.05 1289.07 1187.88
110000 4931.89 3371.64 2592.55 2125.92 1815.52 1594.38 1429.04 1300.89 1198.78
111000 4976.71 3402.30 2616.12 2145.24 1832.02 1608.88 1442.03 1312.71 1209.67
 Payment Table for Personal Financing-i for Civil Sector (promo) FY2022

112000 5021.55 3432.95 2639.69 2164.57 1848.53 1623.37 1455.02 1324.54 1220.57
113000 5066.39 3463.60 2663.27 2183.90 1865.03 1637.87 1468.01 1336.37 1231.47
114000 5111.22 3494.26 2686.83 2203.22 1881.53 1652.36 1481.01 1348.19 1242.37
115000 5156.06 3524.90 2710.40 2222.55 1898.04 1666.86 1494.00 1360.02 1253.27
116000 5200.90 3555.55 2733.97 2241.88 1914.54 1681.35 1506.99 1371.85 1264.16
117000 5245.73 3586.20 2757.53 2261.20 1931.05 1695.85 1519.98 1383.67 1275.06
118000 5290.56 3616.86 2781.10 2280.53 1947.55 1710.34 1532.97 1395.50 1285.96
119000 5335.40 3647.51 2804.67 2299.86 1964.06 1724.84 1545.96 1407.33 1296.86
120000 5380.23 3678.15 2828.24 2319.18 1980.56 1739.33 1558.95 1419.15 1307.76
121000 5425.07 3708.81 2851.81 2338.51 1997.07 1753.82 1571.95 1430.98 1318.65
122000 5469.91 3739.46 2875.38 2357.84 2013.57 1768.32 1584.94 1442.81 1329.55
123000 5514.74 3770.11 2898.95 2377.16 2030.08 1782.81 1597.93 1454.63 1340.45
124000 5559.58 3800.77 2922.52 2396.49 2046.58 1797.31 1610.92 1466.46 1351.35
125000 5604.41 3831.42 2946.08 2415.82 2063.09 1811.80 1623.91 1478.29 1362.24
126000 5649.24 3862.06 2969.65 2435.14 2079.59 1826.30 1636.90 1490.11 1373.14
127000 5694.08 3892.71 2993.22 2454.47 2096.09 1840.79 1649.89 1501.94 1384.04
128000 5738.92 3923.37 3016.79 2473.80 2112.60 1855.29 1662.89 1513.77 1394.94
129000 5783.76 3954.02 3040.36 2493.12 2129.10 1869.78 1675.88 1525.59 1405.84
130000 5828.59 3984.67 3063.93 2512.45 2145.61 1884.27 1688.87 1537.42 1416.73
131000 5873.43 4015.33 3087.50 2531.78 2162.11 1898.77 1701.86 1549.24 1427.63
132000 5918.26 4045.97 3111.06 2551.10 2178.62 1913.26 1714.85 1561.07 1438.53
133000 5963.09 4076.62 3134.63 2570.43 2195.12 1927.76 1727.84 1572.90 1449.43
134000 6007.93 4107.28 3158.20 2589.76 2211.63 1942.24 1740.84 1584.72 1460.33
135000 6052.77 4137.93 3181.78 2609.08 2228.13 1956.74 1753.83 1596.55 1471.22
136000 6097.60 4168.58 3205.34 2628.41 2244.64 1971.23 1766.82 1608.38 1482.12
137000 6142.44 4199.23 3228.91 2647.73 2261.14 1985.73 1779.81 1620.20 1493.02
138000 6187.28 4229.88 3252.48 2667.06 2277.65 2000.22 1792.80 1632.03 1503.92
139000 6232.11 4260.53 3276.05 2686.39 2294.15 2014.72 1805.79 1643.86 1514.82
140000 6276.94 4291.18 3299.61 2705.71 2310.65 2029.21 1818.78 1655.68 1525.71
141000 6321.78 4321.84 3323.18 2725.04 2327.16 2043.70 1831.78 1667.51 1536.61
142000 6366.61 4352.49 3346.76 2744.37 2343.66 2058.20 1844.77 1679.34 1547.51
143000 6411.45 4383.14 3370.32 2763.69 2360.17 2072.69 1857.76 1691.16 1558.41
144000 6456.29 4413.79 3393.89 2783.02 2376.67 2087.19 1870.74 1702.99 1569.31
145000 6501.12 4444.44 3417.46 2802.35 2393.18 2101.68 1883.73 1714.82 1580.20
146000 6545.96 4475.09 3441.03 2821.67 2409.68 2116.18 1896.72 1726.64 1591.10
147000 6590.79 4505.74 3464.59 2841.00 2426.19 2130.67 1909.71 1738.47 1602.00
148000 6635.62 4536.40 3488.16 2860.33 2442.69 2145.17 1922.71 1750.30 1612.90
149000 6680.46 4567.05 3511.73 2879.65 2459.20 2159.66 1935.70 1762.12 1623.80
150000 6725.30 4597.69 3535.31 2898.98 2475.70 2174.15 1948.69 1773.95 1634.69
151000 6770.13 4628.35 3558.87 2918.31 2492.21 2188.65 1961.68 1785.78 1645.59
152000 6814.97 4659.00 3582.44 2937.63 2508.71 2203.14 1974.67 1797.60 1656.49
153000 6859.81 4689.65 3606.01 2956.96 2525.21 2217.64 1987.66 1809.43 1667.39
154000 6904.63 4720.31 3629.57 2976.29 2541.72 2232.13 2000.65 1821.24 1678.29
155000 6949.47 4750.95 3653.14 2995.62 2558.22 2246.63 2013.65 1833.07 1689.18
156000 6994.31 4781.60 3676.71 3014.95 2574.73 2261.12 2026.64 1844.90 1700.08
157000 7039.14 4812.26 3700.29 3034.28 2591.23 2275.62 2039.63 1856.72 1710.98
158000 7083.98 4842.91 3723.85 3053.60 2607.74 2290.11 2052.62 1868.55 1721.88
159000 7128.82 4873.56 3747.42 3072.93 2624.24 2304.61 2065.61 1880.38 1732.78
160000 7173.65 4904.21 3770.99 3092.26 2640.76 2319.10 2078.60 1892.20 1743.67
161000 7218.48 4934.86 3794.56 3111.58 2657.26 2333.59 2091.59 1904.03 1754.57
162000 7263.32 4965.51 3818.12 3130.91 2673.77 2348.09 2104.59 1915.86 1765.47
163000 7308.15 4996.16 3841.69 3150.23 2690.27 2362.58 2117.58 1927.68 1776.37
164000 7352.99 5026.82 3865.27 3169.56 2706.78 2377.08 2130.57 1939.51 1787.27
165000 7397.83 5057.47 3888.84 3188.89 2723.28 2391.57 2143.56 1951.34 1798.16
166000 7442.66 5088.12 3912.40 3208.21 2739.78 2406.07 2156.55 1963.16 1809.06
167000 7487.50 5118.77 3935.97 3227.54 2756.29 2420.56 2169.54 1974.99 1819.96
168000 7532.33 5149.42 3959.54 3246.87 2772.79 2435.06 2182.53 1986.82 1830.86
169000 7577.16 5180.07 3983.10 3266.19 2789.30 2449.55 2195.53 1998.64 1841.76
170000 7622.00 5210.72 4006.67 3285.52 2805.80 2464.04 2208.52 2010.47 1852.65
 Payment Table for Personal Financing-i for Civil Sector (promo) FY2022

171000 7666.84 5241.38 4030.24 3304.85 2822.31 2478.54 2221.51 2022.30 1863.55
172000 7711.67 5272.03 4053.82 3324.17 2838.81 2493.03 2234.50 2034.12 1874.45
173000 7756.51 5302.67 4077.38 3343.50 2855.32 2507.53 2247.49 2045.95 1885.35
174000 7801.35 5333.33 4100.95 3362.83 2871.82 2522.02 2260.48 2057.78 1896.24
175000 7846.17 5363.98 4124.52 3382.15 2888.33 2536.52 2273.47 2069.60 1907.14
176000 7891.01 5394.63 4148.09 3401.48 2904.83 2551.01 2286.47 2081.43 1918.04
177000 7935.85 5425.29 4171.65 3420.81 2921.33 2565.51 2299.46 2093.26 1928.94
178000 7980.68 5455.94 4195.22 3440.13 2937.84 2580.00 2312.45 2105.08 1939.84
179000 8025.52 5486.58 4218.80 3459.46 2954.34 2594.50 2325.44 2116.91 1950.73
180000 8070.36 5517.23 4242.36 3478.79 2970.85 2608.99 2338.43 2128.73 1961.63
181000 8115.19 5547.89 4265.93 3498.11 2987.35 2623.48 2351.42 2140.56 1972.53
182000 8160.02 5578.54 4289.50 3517.44 3003.86 2637.98 2364.41 2152.39 1983.43
183000 8204.86 5609.19 4313.07 3536.77 3020.36 2652.47 2377.41 2164.21 1994.33
184000 8249.69 5639.85 4336.63 3556.09 3036.87 2666.97 2390.40 2176.04 2005.22
185000 8294.53 5670.49 4360.20 3575.42 3053.37 2681.46 2403.39 2187.87 2016.12
186000 8339.37 5701.14 4383.78 3594.74 3069.88 2695.96 2416.38 2199.69 2027.02
187000 8384.20 5731.80 4407.35 3614.07 3086.38 2710.45 2429.37 2211.52 2037.92
188000 8429.04 5762.45 4430.91 3633.40 3102.89 2724.95 2442.36 2223.35 2048.82
189000 8473.87 5793.10 4454.48 3652.72 3119.39 2739.44 2455.36 2235.17 2059.71
190000 8518.70 5823.76 4478.05 3672.05 3135.89 2753.93 2468.35 2247.00 2070.61
191000 8563.54 5854.40 4501.62 3691.38 3152.40 2768.43 2481.34 2258.83 2081.51
192000 8608.38 5885.05 4525.18 3710.70 3168.90 2782.92 2494.33 2270.65 2092.41
193000 8653.21 5915.70 4548.76 3730.03 3185.41 2797.42 2507.32 2282.48 2103.31
194000 8698.05 5946.36 4572.33 3749.36 3201.91 2811.91 2520.31 2294.31 2114.20
195000 8742.89 5977.01 4595.89 3768.68 3218.42 2826.41 2533.30 2306.13 2125.10
196000 8787.72 6007.65 4619.46 3788.01 3234.92 2840.90 2546.30 2317.96 2136.00
197000 8832.55 6038.31 4643.03 3807.34 3251.43 2855.40 2559.29 2329.78 2146.90
198000 8877.39 6068.96 4666.60 3826.66 3267.93 2869.89 2572.28 2341.60 2157.80
199000 8922.22 6099.61 4690.16 3845.99 3284.44 2884.39 2585.27 2353.43 2168.69
200000 8967.06 6130.27 4713.73 3865.32 3300.94 2898.88 2598.26 2365.26 2179.59
Note:
1. This campaign rate is only for financing approved with Group Credit Family Takaful (GCFT) take-up only
2. This financing is based on variable rate, reducing balance on daily rest basis
3. Current standard base rate (SBR) is 2.50%, spread is 2.65%
4. The equivalent flat rate is only for reference
5. The amount shown is amount of monthly salary deduction (inclusive of 2.0% monthly collection fee) and only for
reference (actual amount might have up to RM1 differences due to decimal point)
6. Campaign pricing ending 31st December 2022.
7. Package code by deduction channel:
i. Federal government employees = SPFP09
ii. Non federal government employees = SPFP11
updated 15/9/22