Agrobank Hartani-i

Want to own and develop agricultural land but lack the funds? Receive up to 100% financing of the land's market value with repayment plans up to 20 years!

    • Up to 20 years tenure
    • Secured Islamic Financing
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Profit rate p.a.: -%

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Profit rates

How much the bank charges you based on your financing amount & financing period

Financing ValueFinancing PeriodYour IncomeProfit Rate
more than RM500012 to 240 monthsmin. RM180007.2% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
As low as 7.2% p.a., depending on financing amount and period
Late Payment Charge
1% from current outstanding amount


Are you eligible for this personal financing?

Minimum annual income
Minimum age
21 years old
Maximum age
60 years old
Who can Apply
  • Malaysians

Frequently Asked Questions about Agrobank Hartani-i

Things you might want to know

What is Agrobank Hartani-i all about?

This personal financing from Agrobank is specifically designed for those with a fixed income to finance the purchase of land for development purposes based on the Syariah principle of Tawarruq.

Thinking about retirement? Want to build your own house and manage a farm? no problem! You can apply for the Agrobank Hartani-i whether you're buying land directly from the seller or public auction.

Who can apply?

Only Malaysians aged 21 years and above can apply for the Agrobank Hartani-i. Make sure that you have a stable monthly salary of at least RM1,500 if you are a government employee, and RM2,000 for private sector employees.

For those who do not fit the criteria above, you will need to have a stable income and will be able to make prompt monthly repayments - you will be subjected to a credit check before being approved. You can take up a Takaful insurance to secure your borrowing in the event that you default on your repayments.

How much can I borrow with the Agrobank Hartani-i?

If you want to purchase the land for agricultural purposes, you can borrow up to 100% - that's the entire selling price! 

How long is the financing tenure?

You can stretch your repayments for up to 240 months or until you reach 60 years old, whichever is sooner.

Do I need guarantor to secure my borrowing with Agrobank?

The land is pledged to Agrobank for the entire financing period, however, additional collateral or guarantor is required if the land value is not sufficient. 

It is also required that you pay 1 months instalment in advance at the start as a security deposit - make sure you have enough money saved up beforehand!

Can I settle borrowing earlier?

Of course you can, if fact, it should be encouraged! You will be entitled to a rebate (Ibra) for being able to take reign of your finances.

What documents do I need to apply for this loan?

Below is a list of documents that you will need to make a successful application:

  • Copy of Identification Card
  • First and last 3 months' salary slip
  • Offer letter from employer
  • Latest bank statement
  • Original land grant

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