Agrobank Hartani-i

Want to own and develop agricultural land but lack the funds? Secure up to 90% margin of financing with repayment periods of up to 20 years at competitive profit rates.

Agrobank Hartani-iLand Development Loan
Profit Rate
From 7.45% p.a.
up to 20 years
Loan Type
Secured Islamic Financing
Min. Income

Loan calculator

Profit rates

Based on your loan amount & loan period, the profit rates are as low as the following

Financing ValueFinancing periodYour IncomeProfit Rate
min. RM5,00012 to 240 monthsmin. RM18,0007.45% p.a.

Fees & Charges

Profit Rate / APR
As low as 7.45% p.a.,depending on financing amount and period
Processing Fee
RM30, and the Brokerage fee is subject to a 6% service tax (if applicable)
Stamp Duty
 0.5%  of the whole amount
Early Termination Fee
Late Penalty Fee
 1%  from current outstanding amount


Minimum Annual Income
Minimum Age
  • 21 to 60 years old
Who can apply
  • Malaysians
  • Salaried employee
  • Government employee
  • Self-employed
  • Malaysian Armed Forces

More Information

Found the land to develop your farming business? Now it's time to secure the right financing to part-funding the purchase of the asset via Agrobank Hartani-i, Islamic personal financing for agriculture land purchase and development.

Who can apply for Agrobank Hartani-i?

This Islamic personal loan is open to both government and private sector employees, including Malaysian Armed Forces. 

To qualify for Agrobank Hartani-i personal financing, you must meet the following general requirements:

Government Sector EmployeesPrivate Sector Employees
Age21 to 60 years old21 to 60 years old
Monthly IncomeRM1,500 and aboveRM2,000 and above

What are the terms for land purchase under Agrobank Hartani-i?

Under this personal financing, you can only purchase land(s) which will be used to develop agricultural activities based on several conditions below:

  • Direct purchase from the vendor or through a public auction;
  • Land that will be auctioned by Bank Pertanian Malaysia Berhad / Agrobank;
  • Land to be purchased has the individual title;
  • Land has been subdivided and/or which individual title is to be issued.

How much money can I borrow?

Agrobank Hartani-i personal financing can be borrowed up to 90% of the land value, with borrowing periods extended to a maximum of 20 years, or when you reached 60 years old, whichever is earlier. 

You will be charged with a flat and competitive profit rate, which is fixed throughout the tenure. However, please note that the final profit rate will be based on your credit assessment done by the bank.

What are the fees and charges?

There is no processing fee for Agrobank Hartani-i personal financing. However, Agrobank charges you a Brokerage Fee of RM30 and Legal and Disbursement Fees. 

Your financing amount will also be subjected to a government stamp duty of 0.50%, which is deductible from the total approved financing amount.

Do I need Takaful coverage?

You are required to sign up for Skim Takaful Kredit to cover the liability of indebtedness in the event of death or permanent disablement. 

This Takaful coverage can be applied at Agrobank's panel of Takaful providers or your own choice.

Do I need a guarantor or collateral?

The land to be purchased will be taken as collateral against your Hartani-i Islamic personal loan.

If the land pledged to Agrobank is insufficient, additional collateral or a guarantor will be required.

Can I make an early settlement of this Islamic personal loan?

You can make an early settlement of your Hartani-i personal financing with no penalty to be charged. 

In fact, Agrobank will grant you an Ibra' (rebate).

What documents are required to apply for Agrobank personal loan?

There are a few documents that you would need before making your way to the nearest Agrobank branch. 

Below are some of the general ones and the bank might also ask for some additional documents at their discretion.

  • Copy of IC (front and back)
  • Latest 3-months salary slip
  • Latest 3-months bank statement from the salary crediting account
  • Confirmation Letter from Employer
  • Original Land Grant

Am I qualified to apply for Agrobank Hartani-i if I'm blacklisted?

Depending on your credit history with other financial institutions because all this information (outstanding credit card, personal loan, home loan or car loan debts) will be captured in CCRIS / CTOS (a system that collects credit information on borrowers, not blacklisting them).

Assuming you have poor credit standing due to irregular payments, the best course would be to break the habit and start making your payments on time to avoid future hurdles.

Agrobank is more likely to approve your Agrobank Hartani-i application if you can show that you are managing your personal finances, rather than accumulating more debt.

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