Payment Table for Personal Financing/-i for Private Sector - Joy@Work Campaign

Rate Program FY2023 (Variable Rate)

Financing tenure 1 2 3 4 5 6 7

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

Annual Effective rate 16.25%

Equivalent Flat rate 9.02% 8.90% 9.00% 9.16% 9.34% 9.53% 9.72%
2,000 181.70 98.17 70.56 56.94 48.90 43.66 40.01
3,000 272.55 147.25 105.84 85.41 73.35 65.49 60.01
4,000 363.40 196.33 141.12 113.87 97.80 87.32 80.02
5,000 454.25 245.41 176.40 142.34 122.26 109.15 100.02
6,000 545.10 294.50 211.68 170.81 146.71 130.98 120.03
7,000 635.94 343.58 246.96 199.28 171.16 152.81 140.03
8,000 726.79 392.66 282.24 227.75 195.61 174.64 160.04
9,000 817.64 441.74 317.53 256.22 220.06 196.47 180.04
10,000 908.49 490.83 352.81 284.68 244.51 218.30 200.05
11,000 999.34 539.91 388.09 313.15 268.96 240.13 220.05
12,000 1,090.19 588.99 423.37 341.62 293.41 261.96 240.06
13,000 1,181.04 638.07 458.65 370.09 317.86 283.79 260.06
14,000 1,271.89 687.16 493.93 398.56 342.32 305.62 280.07
15,000 1,362.74 736.24 529.21 427.03 366.77 327.45 300.07
Annual Effective rate 13.25%
Equivalent Flat rate 7.32% 7.19% 7.24% 7.34% 7.46% 7.58% 7.71%
16,000 1,430.95 762.55 541.03 431.23 366.10 323.30 293.25
17,000 1,520.39 810.21 574.85 458.18 388.98 343.51 311.58
18,000 1,609.82 857.87 608.66 485.13 411.86 363.71 329.91
19,000 1,699.26 905.53 642.48 512.08 434.74 383.92 348.23
20,000 1,788.69 953.19 676.29 539.03 457.63 404.13 366.56
21,000 1,878.13 1,000.85 710.10 565.99 480.51 424.33 384.89
22,000 1,967.56 1,048.51 743.92 592.94 503.39 444.54 403.22
23,000 2,057.00 1,096.16 777.73 619.89 526.27 464.74 421.55
24,000 2,146.43 1,143.82 811.55 646.84 549.15 484.95 439.88
25,000 2,235.87 1,191.48 845.36 673.79 572.03 505.16 458.20
26,000 2,325.30 1,239.14 879.18 700.75 594.91 525.36 476.53
27,000 2,414.73 1,286.80 912.99 727.70 617.79 545.57 494.86
28,000 2,504.17 1,334.46 946.81 754.65 640.68 565.78 513.19
29,000 2,593.60 1,382.12 980.62 781.60 663.56 585.98 531.52
30,000 2,683.04 1,429.78 1,014.43 808.55 686.44 606.19 549.84
31,000 2,772.47 1,477.44 1,048.25 835.50 709.32 626.40 568.17
32,000 2,861.91 1,525.10 1,082.06 862.46 732.20 646.60 586.50
33,000 2,951.34 1,572.76 1,115.88 889.41 755.08 666.81 604.83
34,000 3,040.78 1,620.42 1,149.69 916.36 777.96 687.01 623.16
35,000 3,130.21 1,668.08 1,183.51 943.31 800.84 707.22 641.49
36,000 3,219.65 1,715.74 1,217.32 970.26 823.73 727.43 659.81
 37,000 3,309.08 1,763.40 1,251.14 997.21 846.61 747.63 678.14
38,000 3,398.52 1,811.05 1,284.95 1,024.17 869.49 767.84 696.47
39,000 3,487.95 1,858.71 1,318.77 1,051.12 892.37 788.05 714.80
40,000 3,577.38 1,906.37 1,352.58 1,078.07 915.25 808.25 733.13
41,000 3,666.82 1,954.03 1,386.39 1,105.02 938.13 828.46 751.45
42,000 3,756.25 2,001.69 1,420.21 1,131.97 961.01 848.66 769.78
43,000 3,845.69 2,049.35 1,454.02 1,158.92 983.89 868.87 788.11
44,000 3,935.12 2,097.01 1,487.84 1,185.88 1,006.78 889.08 806.44
45,000 4,024.56 2,144.67 1,521.65 1,212.83 1,029.66 909.28 824.77
46,000 4,113.99 2,192.33 1,555.47 1,239.78 1,052.54 929.49 843.10
47,000 4,203.43 2,239.99 1,589.28 1,266.73 1,075.42 949.70 861.42
48,000 4,292.86 2,287.65 1,623.10 1,293.68 1,098.30 969.90 879.75
49,000 4,382.30 2,335.31 1,656.91 1,320.64 1,121.18 990.11 898.08
50,000 4,471.73 2,382.97 1,690.72 1,347.59 1,144.06 1,010.31 916.41
Annual Effective rate 10.25%
Equivalent Flat rate 5.64% 5.51% 5.53% 5.58% 5.64% 5.72% 5.79%
51,000 4,489.64 2,359.28 1,651.62 1,299.62 1,089.88 951.26 853.26
52,000 4,577.67 2,405.54 1,684.00 1,325.11 1,111.25 969.91 869.99
53,000 4,665.71 2,451.80 1,716.39 1,350.59 1,132.62 988.56 886.72
54,000 4,753.74 2,498.06 1,748.77 1,376.07 1,153.99 1,007.22 903.45
55,000 4,841.77 2,544.32 1,781.16 1,401.55 1,175.36 1,025.87 920.19
56,000 4,929.80 2,590.58 1,813.54 1,427.04 1,196.73 1,044.52 936.92
57,000 5,017.84 2,636.84 1,845.93 1,452.52 1,218.11 1,063.17 953.65
58,000 5,105.87 2,683.10 1,878.31 1,478.00 1,239.48 1,081.83 970.38
59,000 5,193.90 2,729.36 1,910.70 1,503.49 1,260.85 1,100.48 987.11
60,000 5,281.93 2,775.62 1,943.08 1,528.97 1,282.22 1,119.13 1,003.84
61,000 5,369.96 2,821.88 1,975.47 1,554.45 1,303.59 1,137.78 1,020.57
62,000 5,458.00 2,868.14 2,007.85 1,579.93 1,324.96 1,156.43 1,037.30
63,000 5,546.03 2,914.41 2,040.24 1,605.42 1,346.33 1,175.09 1054.03
64,000 5,634.06 2,960.67 2,072.62 1,630.90 1,367.70 1,193.74 1,070.76
65,000 5,722.09 3,006.93 2,105.00 1,656.38 1,389.07 1,212.39 1,087.49
66,000 5,810.13 3,053.19 2,137.39 1,681.87 1,410.44 1,231.04 1,104.22
67,000 5,898.16 3,099.45 2,169.77 1,707.35 1,431.81 1,249.69 1,120.95
68,000 5,986.19 3,145.71 2,202.16 1,732.83 1,453.18 1,268.35 1,137.68
69,000 6,074.22 3,191.97 2,234.54 1,758.31 1,474.55 1,287.00 1,154.41
70,000 6,162.25 3,238.23 2,266.93 1,783.80 1,495.92 1,305.65 1,171.15
71,000 6,250.29 3,284.49 2,299.31 1,809.28 1,517.29 1,324.30 1,187.88
72,000 6,338.32 3,330.75 2,331.70 1,834.76 1,538.66 1,342.96 1,204.61
73,000 6,426.35 3,377.01 2,364.08 1,860.25 1,560.03 1,361.61 1,221.34
74,000 6,514.38 3,423.27 2,396.47 1,885.73 1,581.40 1,380.26 1,238.07
75,000 6,602.42 3,469.53 2,428.85 1,911.21 1,602.77 1,398.91 1,254.80
76,000 6,690.45 3,515.79 2,461.24 1,936.69 1,624.14 1,417.56 1,271.53
77,000 6,778.48 3,562.05 2,493.62 1,962.18 1,645.51 1,436.22 1,288.26
78,000 6,866.51 3,608.31 2,526.01 1,987.66 1,666.88 1,454.87 1,304.99
79,000 6,954.54 3,654.57 2,558.39 2,013.14 1,688.25 1,473.52 1,321.72
80,000 7,042.58 3,700.83 2,590.78 2,038.63 1,709.62 1,492.17 1,338.45
81,000 7,130.61 3,747.09 2,623.16 2,064.11 1,730.99 1,510.82 1,355.18
 82,000 7,218.64 3,793.35 2,655.54 2,089.59 1,752.36 1,529.48 1,371.91
83,000 7,306.67 3,839.61 2,687.93 2,115.07 1,773.73 1,548.13 1,388.64
84,000 7,394.71 3,885.87 2,720.31 2,140.56 1,795.10 1,566.78 1,405.37
85,000 7,482.74 3,932.13 2,752.70 2,166.04 1,816.47 1,585.43 1,422.10
86,000 7,570.77 3,978.39 2,785.08 2,191.52 1,837.84 1,604.09 1,438.84
87,000 7,658.80 4,024.65 2,817.47 2,217.00 1,859.21 1,622.74 1,455.57
88,000 7,746.83 4,070.92 2,849.85 2,242.49 1,880.58 1,641.39 1,472.30
89,000 7,834.87 4,117.18 2,882.24 2,267.97 1,901.95 1,660.04 1,489.03
90,000 7,922.90 4,163.44 2,914.62 2,293.45 1,923.32 1,678.69 1,505.76
91,000 8,010.93 4,209.70 2,947.01 2,318.94 1,944.69 1,697.35 1,522.49
92,000 8,098.96 4,255.96 2,979.39 2,344.42 1,966.06 1,716.00 1,539.22
93,000 8,186.99 4,302.22 3,011.78 2,369.90 1,987.43 1,734.65 1,555.95
94,000 8,275.03 4,348.48 3,044.16 2,395.38 2,008.80 1,753.30 1,572.68
95,000 8,363.06 4,394.74 3,076.55 2,420.87 2,030.18 1,771.95 1,589.41
96,000 8,451.09 4,441.00 3,108.93 2,446.35 2,051.55 1,790.61 1,606.14
97,000 8,539.12 4,487.26 3,141.31 2,471.83 2,072.92 1,809.26 1,622.87
98,000 8,627.16 4,533.52 3,173.70 2,497.32 2,094.29 1,827.91 1,639.60
99,000 8,715.19 4,579.78 3,206.08 2,522.80 2,115.66 1,846.56 1,656.33
Annual Effective rate 7.25%
Equivalent Flat rate 3.97% 3.86% 3.86% 3.87% 3.90% 3.94% 3.97%
100,000 8,664.20 4,488.60 3,099.15 2,406.24 1,991.94 1,716.93 1,521.52
101,000 8,750.85 4,533.49 3,130.14 2,430.30 2,011.86 1,734.10 1,536.73
102,000 8,837.49 4,578.37 3,161.14 2,454.37 2,031.77 1,751.27 1,551.95
103,000 8,924.13 4,623.26 3,192.13 2,478.43 2,051.69 1,768.44 1,567.16
104,000 9,010.77 4,668.14 3,223.12 2,502.49 2,071.61 1,785.61 1,582.38
105,000 9,097.41 4,713.03 3,254.11 2,526.55 2,091.53 1,802.78 1,597.59
106,000 9,184.06 4,757.92 3,285.10 2,550.61 2,111.45 1,819.95 1,612.81
107,000 9,270.70 4,802.80 3,316.09 2,574.68 2,131.37 1,837.12 1,628.02
108,000 9,357.34 4,847.69 3,347.09 2,598.74 2,151.29 1,854.29 1,643.24
109,000 9,443.98 4,892.57 3,378.08 2,622.80 2,171.21 1,871.45 1,658.46
110,000 9,530.62 4,937.46 3,409.07 2,646.86 2,191.13 1,888.62 1,673.67
111,000 9,617.27 4,982.35 3,440.06 2,670.93 2,211.05 1,905.79 1,688.89
112,000 9,703.91 5,027.23 3,471.05 2,694.99 2,230.97 1,922.96 1,704.10
113,000 9,790.55 5,072.12 3,502.04 2,719.05 2,250.89 1,940.13 1,719.32
114,000 9,877.19 5,117.00 3,533.03 2,743.11 2,270.81 1,957.30 1,734.53
115,000 9,963.83 5,161.89 3,564.03 2,767.18 2,290.73 1,974.47 1,749.75
116,000 10,050.48 5,206.78 3,595.02 2,791.24 2,310.65 1,991.64 1,764.96
117,000 10,137.12 5,251.66 3,626.01 2,815.30 2,330.57 2,008.81 1,780.18
118,000 10,223.76 5,296.55 3,657.00 2,839.36 2,350.48 2,025.98 1,795.39
119,000 10,310.40 5,341.43 3,687.99 2,863.43 2,370.40 2,043.15 1,810.61
120,000 10,397.04 5,386.32 3,718.98 2,887.49 2,390.32 2,060.32 1,825.82
121,000 10,483.69 5,431.21 3,749.98 2,911.55 2,410.24 2,077.49 1,841.04
122,000 10,570.33 5,476.09 3,780.97 2,935.61 2,430.16 2,094.66 1,856.25
123,000 10,656.97 5,520.98 3,811.96 2,959.68 2,450.08 2,111.82 1,871.47
124,000 10,743.61 5,565.86 3,842.95 2,983.74 2,470.00 2,128.99 1,886.68
125,000 10,830.25 5,610.75 3,873.94 3,007.80 2,489.92 2,146.16 1,901.90
126,000 10,916.90 5,655.64 3,904.93 3,031.86 2,509.84 2,163.33 1,917.11
 127,000 11,003.54 5,700.52 3,935.92 3,055.93 2,529.76 2,180.50 1,932.33
128,000 11,090.18 5,745.41 3,966.92 3,079.99 2,549.68 2,197.67 1,947.54
129,000 11,176.82 5,790.29 3,997.91 3,104.05 2,569.60 2,214.84 1,962.76
130,000 11,263.47 5,835.18 4,028.90 3,128.11 2,589.52 2,232.01 1,977.97
131,000 11,350.11 5,880.07 4,059.89 3,152.17 2,609.44 2,249.18 1,993.19
132,000 11,436.75 5,924.95 4,090.88 3,176.24 2,629.36 2,266.35 2,008.40
133,000 11,523.39 5,969.84 4,121.87 3,200.30 2,649.28 2,283.52 2,023.62
134,000 11,610.03 6,014.72 4,152.86 3,224.36 2,669.19 2,300.69 2,038.83
135,000 11,696.68 6,059.61 4,183.86 3,248.42 2,689.11 2,317.86 2,054.05
136,000 11,783.32 6,104.50 4,214.85 3,272.49 2,709.03 2,335.03 2,069.27
137,000 11,869.96 6,149.38 4,245.84 3,296.55 2,728.95 2,352.19 2,084.48
138,000 11,956.60 6,194.27 4,276.83 3,320.61 2,748.87 2,369.36 2,099.70
139,000 12,043.24 6,239.15 4,307.82 3,344.67 2,768.79 2,386.53 2,114.91
140,000 12,129.89 6,284.04 4,338.81 3,368.74 2,788.71 2,403.70 2,130.13
141,000 12,216.53 6,328.93 4,369.81 3,392.80 2,808.63 2,420.87 2,145.34
142,000 12,303.17 6,373.81 4,400.80 3,416.86 2,828.55 2,438.04 2,160.56
143,000 12,389.81 6,418.70 4,431.79 3,440.92 2,848.47 2,455.21 2,175.77
144,000 12,476.45 6,463.58 4,462.78 3,464.99 2,868.39 2,472.38 2,190.99
145,000 12,563.10 6,508.47 4,493.77 3,489.05 2,888.31 2,489.55 2,206.20
146,000 12,649.74 6,553.36 4,524.76 3,513.11 2,908.23 2,506.72 2,221.42
147,000 12,736.38 6,598.24 4,555.75 3,537.17 2,928.15 2,523.89 2,236.63
148,000 12,823.02 6,643.13 4,586.75 3,561.24 2,948.07 2,541.06 2,251.85
149,000 12,909.66 6,688.01 4,617.74 3,585.30 2,967.98 2,558.23 2,267.06
150,000 12,996.31 6,732.90 4,648.73 3,609.36 2,987.90 2,575.40 2,282.28
Note:
1. This financing is based on reducing balance, daily rest method
2. This campaign rate is only applicable for Group Credit Family Takaful (GCFT)/Personal Smart Shield (PSS) takeup and
minimum monthly income of RM3K.
3. Approved rate is final, subject to credit underwriting.
4. Current standard base rate is 3.00%
Range Tier Spread
RM2K - RM15K 1 SBR + 13.25%
RM16K - RM50K 2 SBR + 10.25%
RM51K - RM99K 3 SBR + 7.25%
RM100K - RM150K 4 SBR + 4.25%
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 26/12/2023
updated as at 23/6/2023_SPF06_SPFP22