BSN Aflah Prima Personal Financing-i

Need help financing your new clinic? This personal loan is especially for medical doctors and medical officers in the government and private sectors

    • Financing up to RM200k
    • Up to 10 years tenure
    • Unsecured Islamic Financing
    • Takaful insurance required
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Profit rate p.a.: -%

Apply online now for BSN Aflah Prima Personal Financing-i

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Profit rates

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

Financing ValueFinancing PeriodYour IncomeProfit Rate
RM10000 - RM20000024 to 120 monthsmin. RM360006.5% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
As low as 6.5% p.a., depending on financing amount and period
Stamp Duty
0.5% of total amount borrowed
Late Payment Charge
1% from current outstanding amount
Mode of Payment
You must pay your financing installment by salary deduction.
You must take takaful insurance with this financing.


Are you eligible for this personal financing?

Minimum annual income
Minimum age
21 years old
Maximum age
65 years old
Who can Apply
  • Malaysians
  • Medical Practitioner

Frequently Asked Questions about BSN Aflah Prima Personal Financing-i

Things you might want to know

Who is eligible for this BSN Aflah Personal Financing-i loan?

This loan is especially for Doctors and Medical Officers in government and private sector who earn a minimum gross income of RM3,000 per month.

How much money can I borrow?

You can borrow from RM10,000 to RM200,000 with repayment terms from two to ten years.

How much does this personal loan cost?

For this loan, you do not have to pay for any processing fee. You only have to pay for the stamp duty and the Takaful premium. The stamp duty is 0.5% of the loan amount.

What do I need to apply for this BSN loan?

BSN Aflah Personal Financing-i is an unsecure personal loan therefore you do not need a guarantor.

You will need to provide supporting documents with your application

In government

  •   Copy of MyKad (front and back)
  •   Confirmation letter from your supervisor or Head of Department

In private practice

  •   Copy of MyKad (front and back)
  •   A copy of certificate issued by Malaysian Medical Council
  •   Authorised business registration
  • Latest 3 months Bank Statement 

How do I get my hands on the money?

BSN may take a few business days to process the documents. If you are qualified, the bank will call you. Once the documents are agreed and signed, the bank will transfer the borrowed funds, after deducting all the fees and charges.

How do I pay back the loan?

You start repaying your loan installment on the date stated in the Bank’s payment schedule which is one month following the date you received the money. Installments must be paid monthly as per the schedule until the loan is fully repaid. 

It is compulsory to have a BSN Giro or Giro-i account. You will need to open an account with BSN once your loan is approved. The bank will automatically deduct the loan installment from this account. For government doctors, the bank will deduct from your salary account automatically.

Can I pay off this loan early?

Yes, you may settle the remaining balance on your BSN loan at any time. There is no early termination fee for this loan.

Is BSN Aflah Personal Financing-i Shariah compliant?

Yes, This is compliant with the Bai Al-Inah Shariah standard.

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