BSN Sandaran Sijil Simpanan Tetap

A secured Personal Loan from BSN that is linked to your BSN Term Deposit. Open to all Malaysians with repayment terms from 2 to a maximum of 10 years.

    • Up to 10 years tenure
    • Secured Loan
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Interest rate p.a.: -%

Apply online now for BSN Sandaran Sijil Simpanan Tetap

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for BSN Sandaran Sijil Simpanan Tetap

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to BSN website

If you have any questions let us know at, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

Not the personal loan you're looking for? Did you know you can compare all the personal loan in Malaysia?

Interest rates

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

You BorrowLoan PeriodYour IncomeInterest Rate
RM5000 - RM9950024 to 120 monthsnot required6.45% p.a.
more than RM10000024 to 120 monthsnot required5.95% p.a.

Fees & Charges

There are always fees but how much are they?

Interest Rate / APR
from 5.95% p.a. to 6.45% p.a. , depending on loan amount and period
Stamp Duty
0.5% of the whole amount
Early Termination Fee
Late Penalty Fee
1% from current outstanding amount


Are you eligible for this personal loan?

Minimum age
18 years old
Maximum age
65 years old
Who can Apply
  • Malaysians
  • BSN Term Deposit certificate holders

Frequently Asked Questions about BSN Sandaran Sijil Simpanan Tetap

Things you might want to know

How much money can I borrow?

With the BSN STT personal loan, you can borrow from a minimum of RM5,000 to a maximum of 95% of the amount held in your BSN Term Deposit. The repayment period run between two (2) and ten (10) years, which many conventional personal loans in the market will only allow a maximum of 7 years.

How much does the BSN STT loan cost?

No extra processing fees are charged when you apply for a BSN STT. You will just need to pay a Government Stamp Duty, which is calculated at 0.50% of the total amount you borrow.

What do I need to apply for BSN STT personal loan?

This is a personal loan secured against your BSN Term Deposit, so you will not need to provide a down payment or guarantor. To make an application you must provide supporting documents:

  • Copy of MyKad (front and back;
  • Original certificate of BSN Term Deposit; and
  • Copy of GIRO/GIRO-i Passbook / Statement

How do I get my hands on the money?

Your application for a BSN STT loan may take a few business days to process. Once your loan is approved the money you are borrowing will be transferred to the account of your choice.

How do I pay the money back?

Loan repayments start one month after you’ve received the money you are borrowing. You are required to set up a Standing Instruction on your monthly instalments until the total amount of the loan is repaid.

Can I pay my BSN STT personal loan off early?

You can finish paying for your loan whenever you want. There are no penalties for early repayment.

Is there anything else I need to know?

The BSN STT personal loan calculates interest at monthly rest, and is pegged to the Base Rate ( BR). This means that the Effective Interest Rate that you pay is greater than the advertised interest amount.

Read More