Payment Table for Personal Financing/-i For Private Sector

Variable Rate (promo) FY2023

Financing tenure 1 2 3 4 5 6 7

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

Annual Effective rate 22.25%

Equivalent Flat rate 12.46% 12.40% 12.65% 12.97% 13.31% 13.66% 14.01%
2,000 187.43 104.00 76.64 63.28 55.52 50.55 47.16
3,000 281.14 156.01 114.96 94.93 83.28 75.82 70.74
4,000 374.86 208.01 153.28 126.57 111.04 101.10 94.32
5,000 468.57 260.01 191.60 158.21 138.81 126.37 117.90
6,000 562.29 312.01 229.92 189.85 166.57 151.65 141.48
7,000 656.00 364.01 268.24 221.49 194.33 176.92 165.06
8,000 749.72 416.01 306.56 253.14 222.09 202.20 188.64
9,000 843.43 468.02 344.88 284.78 249.85 227.47 212.23
10,000 937.15 520.02 383.20 316.42 277.61 252.75 235.81
11,000 1,030.86 572.02 421.52 348.06 305.37 278.02 259.39
12,000 1,124.58 624.02 459.84 379.70 333.13 303.30 282.97
13,000 1,218.29 676.02 498.16 411.35 360.90 328.57 306.55
14,000 1,312.01 728.02 536.48 442.99 388.66 353.85 330.13
15,000 1,405.72 780.03 574.80 474.63 416.42 379.12 353.71
Annual Effective rate 19.25%
Equivalent Flat rate 10.73% 10.64% 10.81% 11.04% 11.29% 11.56% 11.82%
16,000 1,476.41 808.48 588.52 480.52 417.25 376.32 348.11
17,000 1,568.69 859.01 625.30 510.55 443.33 399.84 369.87
18,000 1,660.97 909.54 662.09 540.58 469.41 423.36 391.62
19,000 1,753.24 960.07 698.87 570.61 495.49 446.88 413.38
20,000 1,845.52 1,010.60 735.65 600.64 521.57 470.40 435.14
21,000 1,937.79 1,061.13 772.43 630.68 547.64 493.92 456.89
22,000 2,030.07 1,111.66 809.22 660.71 573.72 517.44 478.65
23,000 2,122.35 1,162.19 846.00 690.74 599.80 540.96 500.41
24,000 2,214.62 1,212.72 882.78 720.77 625.88 564.48 522.16
25,000 2,306.90 1,263.25 919.56 750.81 651.96 588.00 543.92
26,000 2,399.17 1,313.78 956.35 780.84 678.04 611.52 565.68
27,000 2,491.45 1,364.31 993.13 810.87 704.11 635.04 587.43
28,000 2,583.73 1,414.84 1,029.91 840.90 730.19 658.56 609.19
29,000 2,676.00 1,465.37 1,066.69 870.93 756.27 682.08 630.95
30,000 2,768.28 1,515.90 1,103.48 900.97 782.35 705.60 652.70
31,000 2,860.55 1,566.44 1,140.26 931.00 808.43 729.12 674.46
32,000 2,952.83 1,616.97 1,177.04 961.03 834.51 752.64 696.22
33,000 3,045.11 1,667.50 1,213.82 991.06 860.58 776.16 717.98
34,000 3,137.38 1,718.03 1,250.61 1,021.09 886.66 799.68 739.73
35,000 3,229.66 1,768.56 1,287.39 1,051.13 912.74 823.20 761.49
36,000 3,321.93 1,819.09 1,324.17 1,081.16 938.82 846.72 783.25
 37,000 3,414.21 1,869.62 1,360.95 1,111.19 964.90 870.24 805.00
38,000 3,506.49 1,920.15 1,397.74 1,141.22 990.98 893.76 826.76
39,000 3,598.76 1,970.68 1,434.52 1,171.26 1,017.05 917.28 848.52
40,000 3,691.04 2,021.21 1,471.30 1,201.29 1,043.13 940.80 870.27
41,000 3,783.31 2,071.74 1,508.08 1,231.32 1,069.21 964.32 892.03
42,000 3,875.59 2,122.27 1,544.87 1,261.35 1,095.29 987.84 913.79
43,000 3,967.87 2,172.80 1,581.65 1,291.38 1,121.37 1,011.36 935.54
44,000 4,060.14 2,223.33 1,618.43 1,321.42 1,147.45 1,034.88 957.30
45,000 4,152.42 2,273.86 1,655.21 1,351.45 1,173.52 1,058.40 979.06
46,000 4,244.69 2,324.39 1,692.00 1,381.48 1,199.60 1,081.92 1,000.81
47,000 4,336.97 2,374.92 1,728.78 1,411.51 1,225.68 1,105.44 1,022.57
48,000 4,429.24 2,425.45 1,765.56 1,441.55 1,251.76 1,128.96 1,044.33
49,000 4,521.52 2,475.98 1,802.34 1,471.58 1,277.84 1,152.48 1,066.08
50,000 4,613.80 2,526.51 1,839.13 1,501.61 1,303.92 1,176.00 1,087.84
Annual Effective rate 16.25%
Equivalent Flat rate 9.02% 8.90% 9.00% 9.16% 9.34% 9.53% 9.72%
51,000 4,633.31 2,503.21 1,799.31 1,451.89 1,247.01 1,113.32 1,020.24
52,000 4,724.16 2,552.30 1,834.59 1,480.36 1,271.46 1,135.15 1,040.25
53,000 4,815.01 2,601.38 1,869.87 1,508.83 1,295.91 1,156.98 1,060.25
54,000 4,905.86 2,650.46 1,905.15 1,537.30 1,320.36 1,178.80 1,080.25
55,000 4,996.71 2,699.55 1,940.43 1,565.77 1,344.81 1,200.63 1,100.26
56,000 5,087.56 2,748.63 1,975.71 1,594.24 1,369.26 1,222.46 1,120.26
57,000 5,178.40 2,797.71 2,010.99 1,622.70 1,393.71 1,244.29 1,140.27
58,000 5,269.25 2,846.79 2,046.27 1,651.17 1,418.16 1,266.12 1,160.27
59,000 5,360.10 2,895.88 2,081.55 1,679.64 1,442.61 1,287.95 1,180.28
60,000 5,450.95 2,944.96 2,116.83 1,708.11 1,467.07 1,309.78 1,200.28
61,000 5,541.80 2,994.04 2,152.12 1,736.58 1,491.52 1,331.61 1,220.29
62,000 5,632.65 3,043.12 2,187.40 1,765.05 1,515.97 1,353.44 1,240.29
63,000 5,723.50 3,092.21 2,222.68 1,793.51 1,540.42 1,375.27 1,260.30
64,000 5,814.35 3,141.29 2,257.96 1,821.98 1,564.87 1,397.10 1,280.30
65,000 5,905.20 3,190.37 2,293.24 1,850.45 1,589.32 1,418.93 1,300.31
66,000 5,996.05 3,239.45 2,328.52 1,878.92 1,613.77 1,440.76 1,320.31
67,000 6,086.90 3,288.54 2,363.80 1,907.39 1,638.22 1,462.59 1,340.32
68,000 6,177.75 3,337.62 2,399.08 1,935.86 1,662.67 1,484.42 1,360.32
69,000 6,268.60 3,386.70 2,434.36 1,964.33 1,687.13 1,506.25 1,380.33
70,000 6,359.44 3,435.79 2,469.64 1,992.79 1,711.58 1,528.08 1,400.33
71,000 6,450.29 3,484.87 2,504.92 2,021.26 1,736.03 1,549.91 1,420.33
72,000 6,541.14 3,533.95 2,540.20 2,049.73 1,760.48 1,571.74 1,440.34
73,000 6,631.99 3,583.03 2,575.48 2,078.20 1,784.93 1,593.57 1,460.34
74,000 6,722.84 3,632.12 2,610.76 2,106.67 1,809.38 1,615.40 1,480.35
75,000 6,813.69 3,681.20 2,646.04 2,135.14 1,833.83 1,637.23 1,500.35
76,000 6,904.54 3,730.28 2,681.32 2,163.60 1,858.28 1,659.06 1,520.36
77,000 6,995.39 3,779.36 2,716.60 2,192.07 1,882.73 1,680.89 1,540.36
78,000 7,086.24 3,828.45 2,751.89 2,220.54 1,907.19 1,702.72 1,560.37
79,000 7,177.09 3,877.53 2,787.17 2,249.01 1,931.64 1,724.55 1,580.37
80,000 7,267.94 3,926.61 2,822.45 2,277.48 1,956.09 1,746.38 1,600.38
 81,000 7,358.79 3,975.69 2,857.73 2,305.95 1,980.54 1,768.21 1,620.38
82,000 7,449.63 4,024.78 2,893.01 2,334.42 2,004.99 1,790.04 1,640.39
83,000 7,540.48 4,073.86 2,928.29 2,362.88 2,029.44 1,811.87 1,660.39
84,000 7,631.33 4,122.94 2,963.57 2,391.35 2,053.89 1,833.70 1,680.40
85,000 7,722.18 4,172.02 2,998.85 2,419.82 2,078.34 1,855.53 1,700.40
86,000 7,813.03 4,221.11 3,034.13 2,448.29 2,102.79 1,877.36 1,720.41
87,000 7,903.88 4,270.19 3,069.41 2,476.76 2,127.24 1,899.19 1,740.41
88,000 7,994.73 4,319.27 3,104.69 2,505.23 2,151.70 1,921.02 1,760.41
89,000 8,085.58 4,368.36 3,139.97 2,533.69 2,176.15 1,942.84 1,780.42
90,000 8,176.43 4,417.44 3,175.25 2,562.16 2,200.60 1,964.67 1,800.42
91,000 8,267.28 4,466.52 3,210.53 2,590.63 2,225.05 1,986.50 1,820.43
92,000 8,358.13 4,515.60 3,245.81 2,619.10 2,249.50 2,008.33 1,840.43
93,000 8,448.98 4,564.69 3,281.09 2,647.57 2,273.95 2,030.16 1,860.44
94,000 8,539.83 4,613.77 3,316.37 2,676.04 2,298.40 2,051.99 1,880.44
95,000 8,630.67 4,662.85 3,351.66 2,704.51 2,322.85 2,073.82 1,900.45
96,000 8,721.52 4,711.93 3,386.94 2,732.97 2,347.30 2,095.65 1,920.45
97,000 8,812.37 4,761.02 3,422.22 2,761.44 2,371.76 2,117.48 1,940.46
98,000 8,903.22 4,810.10 3,457.50 2,789.91 2,396.21 2,139.31 1,960.46
99,000 8,994.07 4,859.18 3,492.78 2,818.38 2,420.66 2,161.14 1,980.47
Annual Effective rate 13.25%
Equivalent Flat rate 7.32% 7.19% 7.24% 7.34% 7.46% 7.58% 7.71%
100,000 8,943.46 4,765.93 3,381.45 2,695.17 2,288.13 2,020.63 1,832.82
101,000 9,032.90 4,813.59 3,415.26 2,722.13 2,311.01 2,040.84 1,851.14
102,000 9,122.33 4,861.25 3,449.08 2,749.08 2,333.89 2,061.04 1,869.47
103,000 9,211.76 4,908.91 3,482.89 2,776.03 2,356.77 2,081.25 1,887.80
104,000 9,301.20 4,956.57 3,516.71 2,802.98 2,379.65 2,101.45 1,906.13
105,000 9,390.63 5,004.23 3,550.52 2,829.93 2,402.53 2,121.66 1,924.46
106,000 9,480.07 5,051.89 3,584.34 2,856.88 2,425.41 2,141.87 1,942.78
107,000 9,569.50 5,099.55 3,618.15 2,883.84 2,448.29 2,162.07 1,961.11
108,000 9,658.94 5,147.21 3,651.97 2,910.79 2,471.18 2,182.28 1,979.44
109,000 9,748.37 5,194.87 3,685.78 2,937.74 2,494.06 2,202.49 1,997.77
110,000 9,837.81 5,242.53 3,719.59 2,964.69 2,516.94 2,222.69 2,016.10
111,000 9,927.24 5,290.19 3,753.41 2,991.64 2,539.82 2,242.90 2,034.43
112,000 10,016.68 5,337.85 3,787.22 3,018.60 2,562.70 2,263.10 2,052.75
113,000 10,106.11 5,385.50 3,821.04 3,045.55 2,585.58 2,283.31 2,071.08
114,000 10,195.55 5,433.16 3,854.85 3,072.50 2,608.46 2,303.52 2,089.41
115,000 10,284.98 5,480.82 3,888.67 3,099.45 2,631.34 2,323.72 2,107.74
116,000 10,374.41 5,528.48 3,922.48 3,126.40 2,654.23 2,343.93 2,126.07
117,000 10,463.85 5,576.14 3,956.30 3,153.35 2,677.11 2,364.14 2,144.39
118,000 10,553.28 5,623.80 3,990.11 3,180.31 2,699.99 2,384.34 2,162.72
119,000 10,642.72 5,671.46 4,023.92 3,207.26 2,722.87 2,404.55 2,181.05
120,000 10,732.15 5,719.12 4,057.74 3,234.21 2,745.75 2,424.76 2,199.38
121,000 10,821.59 5,766.78 4,091.55 3,261.16 2,768.63 2,444.96 2,217.71
122,000 10,911.02 5,814.44 4,125.37 3,288.11 2,791.51 2,465.17 2,236.03
123,000 11,000.46 5,862.10 4,159.18 3,315.06 2,814.39 2,485.37 2,254.36
124,000 11,089.89 5,909.76 4,193.00 3,342.02 2,837.28 2,505.58 2,272.69
 125,000 11,179.33 5,957.42 4,226.81 3,368.97 2,860.16 2,525.79 2,291.02
126,000 11,268.76 6,005.08 4,260.63 3,395.92 2,883.04 2,545.99 2,309.35
127,000 11,358.20 6,052.74 4,294.44 3,422.87 2,905.92 2,566.20 2,327.68
128,000 11,447.63 6,100.39 4,328.26 3,449.82 2,928.80 2,586.41 2,346.00
129,000 11,537.06 6,148.05 4,362.07 3,476.77 2,951.68 2,606.61 2,364.33
130,000 11,626.50 6,195.71 4,395.88 3,503.73 2,974.56 2,626.82 2,382.66
131,000 11,715.93 6,243.37 4,429.70 3,530.68 2,997.44 2,647.02 2,400.99
132,000 11,805.37 6,291.03 4,463.51 3,557.63 3,020.33 2,667.23 2,419.32
133,000 11,894.80 6,338.69 4,497.33 3,584.58 3,043.21 2,687.44 2,437.64
134,000 11,984.24 6,386.35 4,531.14 3,611.53 3,066.09 2,707.64 2,455.97
135,000 12,073.67 6,434.01 4,564.96 3,638.49 3,088.97 2,727.85 2,474.30
136,000 12,163.11 6,481.67 4,598.77 3,665.44 3,111.85 2,748.06 2,492.63
137,000 12,252.54 6,529.33 4,632.59 3,692.39 3,134.73 2,768.26 2,510.96
138,000 12,341.98 6,576.99 4,666.40 3,719.34 3,157.61 2,788.47 2,529.29
139,000 12,431.41 6,624.65 4,700.21 3,746.29 3,180.49 2,808.67 2,547.61
140,000 12,520.85 6,672.31 4,734.03 3,773.24 3,203.38 2,828.88 2,565.94
141,000 12,610.28 6,719.97 4,767.84 3,800.20 3,226.26 2,849.09 2,584.27
142,000 12,699.71 6,767.63 4,801.66 3,827.15 3,249.14 2,869.29 2,602.60
143,000 12,789.15 6,815.28 4,835.47 3,854.10 3,272.02 2,889.50 2,620.93
144,000 12,878.58 6,862.94 4,869.29 3,881.05 3,294.90 2,909.71 2,639.25
145,000 12,968.02 6,910.60 4,903.10 3,908.00 3,317.78 2,929.91 2,657.58
146,000 13,057.45 6,958.26 4,936.92 3,934.95 3,340.66 2,950.12 2,675.91
147,000 13,146.89 7,005.92 4,970.73 3,961.91 3,363.54 2,970.33 2,694.24
148,000 13,236.32 7,053.58 5,004.55 3,988.86 3,386.43 2,990.53 2,712.57
149,000 13,325.76 7,101.24 5,038.36 4,015.81 3,409.31 3,010.74 2,730.89
150,000 13,415.19 7,148.90 5,072.17 4,042.76 3,432.19 3,030.94 2,749.22
Note:
1. The amount shown is based on promo rate, for application approved with Group Credit Family Takaful (GCFT)/Personal Smart Shield
(PSS) and for selected credit 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 3.00%
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 financing tenure of 1 year only applicable for personal financing (conventional).
7. Campaign pricing ending 31/12/2023
updated 8/5/23_SPF02_SPFP02