KFH Murabahah Personal Financing-i

A flat-rate personal financing plan for salaried employees who need extra cash to lighten their burden or for the purpose of debt consolidation.

KFH Murabahah Personal Financing-iFlat Rate
Profit Rate
From 8.88% p.a.
up to RM150k
up to 8 years
Loan Type
Unsecured 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
RM5,000 - RM150,00024 to 96 monthsmin. RM36,0008.88% p.a.

Fees & Charges

Profit Rate / APR
As low as 8.88% p.a.,depending on financing amount and period
Processing Fee
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
  • Confirmed and permanent staff of Public Limited Companies
  • Confirmed and permanent staff of Multinational Companies
  • Confirmed and permanent staff of Government-Linked Companies

More Information

What is KFH Murabahah Personal Financing-i?

KFH Murabahah Personal Financing-i is an unsecured Islamic financing based on the Murabahah Tawarruq structure, open to individuals aged between 21 to 60 years, whose main income is fixed monthly.

The profit rate is made known to you upfront and flat throughout the tenure of up to 8 years. 

Get finance at any amount between RM5,000 to RM150,000, subject to your credit score and KFH's approval. It is also worth noting that you can get financed at 7x your gross monthly salary.

Plus, no guarantor or collateral is needed for this Islamic personal financing.

What are my obligations?

You are required to pay the bank what you have borrowed, which consists of the principal amount and profit rate, every month until your loan tenure has matured. 

As this is a flat-rate Islamic personal loan, you are not going to be affected by the movement of the bank's base rate.

How do I pay my monthly installments?

There are several convenient ways you can choose to service your outstanding balances such as Standing Instruction, Interbank Giro or Instant Transfer from your designated deposit account to KFH's personal loan account.

Do I need Takaful coverage?

KFH makes it compulsory for you to take up a Group Credit Term Takaful (GCTT) to cover the outstanding loan amount in the event you are not capable of paying the outstanding amount due to death or total permanent disability.

However, you will be able to claim the excess Takaful contributions via rebate if you have fully paid your financing ahead of schedule.

Who can apply for a KFH Islamic personal loan?

KFH personal financing is offered to employees of multinational companies, public limited companies, government-linked companies and their subsidiaries with a minimum income of RM3,000 per month.

Unfortunately, government staff is not eligible to apply for this Islamic facility.

What document do I need to prepare?

First, you will need to complete the application form and then standby a copy of your MyKad/IC together with it. Then, you also need to supply several of the documents below:

For New Customers:

  • Copy of MyKad/IC (front and back)
  • Latest 3-months payslip AND
  • EPF Statement with the latest 3-months contribution

For Existing Customers:

  • Latest 2-months payslip OR
  • EPF Statement with the latest 3-months contribution

Am I qualified to apply for KFH Murabahah Personal Financing-i if I'm blacklisted?

Depending on your credit history with other financial institutions, 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.

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

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