HSBC Amanah Personal Financing-i

Hassle-free Shariah-compliant financing with no hidden fees. Get exclusive profit rates and instant cash disbursement upon approval!

HSBC Amanah Personal Financing-iNo hidden fees & no collateral required
Profit Rate
From 4.88% p.a.
Financing
up to RM250k
Tenure
up to 7 years
Loan Type
Unsecured Islamic Financing
Min. Income
RM5,000/month

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Profit rates

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

Financing ValueFinancing periodYour IncomeProfit Rate
RM6,000 - RM120,00024 to 60 monthsmin. RM60,00010.5% p.a.
RM6,000 - RM250,00024 to 84 monthsmin. RM36,0004.88% p.a. - 7.5% p.a.

Fees & Charges

Profit Rate / APR
As low as 4.88% p.a.,depending on financing amount and period
Processing Fee
None
Stamp Duty
None
Early Termination Fee
None
Late Penalty Fee
 1%  from current outstanding amount

Requirements

Minimum Annual Income
RM60,000
Minimum Age
  • 21 to 60 years old
Who can apply
  • Malaysians
  • Permanent Residents
  • Salaried employee
  • Self-employed

More Information

What is so unique about HSBC Amanah's personal loan?

HSBC Amanah Personal Financing-i is a fast-approval Shariah-compliant personal financing plan that can instantly disburse your financing amount once approved.

As this is unsecured personal financing, you don't need to standby collateral to back up the application — you are your own paymaster and guarantor!

InfoNew HSBC Amanah CustomersExisting HSBC Amanah CustomersExisting HSBC/HSBC Amanah Premier Customers
(Not eligible for Premier [email protected])
Eligible Monthly SalaryFrom RM5,000 & aboveFrom RM3,000 & aboveMinimum RM3,000 & above, and must have a minimum of
RM200,000 in total relationship balance with HSBC/HSBC Amanah
Financing AmountFrom RM6,000 to RM120,000From RM6,000 to RM250,000From RM6,000 to RM250,000
Profit Rate (Flat)10.50% p.a.7.50% p.a.4.88% p.a.
Financing Tenure2 - 5 years2 - 7 years2 - 5 years
Monthly Payment As Low AsRM163RM109RM124
Promotion period--
until 31 December 2022

How fast can I get my money?

Once you have completed the online application and documents submission, your HSBC Amanah Personal Financing-i application can be approved in no time and your money will be transferred to your bank account within 3 working days.

What is my monthly payment?

Depending on your financing amount, tenure and profit rate, your monthly instalment payment can be as low as RM124*. 

You will be required to open a Savings Account or Current Account with HSBC Amanah, as the bank would prefer you to have a Standing Instruction to automatically deduct the monthly payment from the account.

You must make full payment of your instalment on time, otherwise, HSBC Amanah has the right to penalise you with an increased profit rate and a compensation fee for late payment of 1%. 

*This calculation is based on a 5-year tenure with a financing amount of RM6,000.

Can I settle my HSBC Amanah Personal Financing-i early?

Yes, you can make an early settlement on your personal financing at any point in time during the financing period with no penalty to be charged. 

But, you are required to submit a 1-month notice to HSBC Amanah.

Who can apply for this Islamic personal loan?

Any Malaysians holding an IC or those who have Malaysian PR status aged between 21 to 60 years with valid proof of income can apply for this personal financing. 

The monthly salary of RM3,000 will be applied to any existing HSBC Amanah account holders, while the RM5,000 monthly salary will be applied to new-to-bank customers.

What documents do I need to prepare for this HSBC Islamic personal loan application?

If you are a salaried employee, you will need the following documents:

Fixed IncomeVariable Income
Copy of your IC, and

Submit ANY one of the following:

a. Copy of current or previous month's payslip/bank statement showing salary credit into account
b. Copy of the latest Form BE with tax payment receipt attached/EA/EPF statement
c. Copy of employment appointment (if employed less than 3 months)
Copy of your IC, and

Submit ANY one of the following:

a. Copy of the latest 3 months payslip/bank statement showing salary credit into account
b. Copy of the latest Form BE with tax payment receipt attached/the latest EPF statement/Yearly Commission Statement from employer

If you are self-employed, you are required to prepare the following documents:

Self-Employed
Copy of your IC, and

Submit ANY one of the following:

a. Copy of the latest Form B with tax payment receipt or CP02 attached/the latest EPF statement
b. Copy of audited financial statement/Profit and Loss account
c. Copy of Business Registration Form

HSBC reserves the right to request additional income documents as deemed necessary.

Am I qualified to apply for HSBC Amanah Personal Financing-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 of action would be to break the habit and start making your payments on time to avoid future hurdles.

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

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