KFH Murabahah Personal Financing-i

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

KFH Murabahah Personal Financing-iFlat Rate
Profit Rate
from 6% p.a.
up to RM250k
up to 10 years
Loan Type
Unsecured Islamic Financing
Min. Income

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Profit rates

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

Financing ValueFinancing periodYour incomeProfit Rate
RM5,000 - RM250,00024 to 120 monthsmin. RM36,0006% p.a.

Fees & Charges

Profit Rate / APR
As low as 6% 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 58 years old
Who can apply
  • Malaysians
  • Confirmed and Permanent Staff
  • Salaried employee
  • Public Listed Company employee
  • Multi-National Corporation employee

More Information

What is this product about?

KFH Murabahah Personal Financing-i is an unsecured Islamic personal financing based on the Commodity Murabahah (Sale and Purchase transaction) 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 10 years. Get financed at any amount between RM30,000 and RM250,000, subject to your credit checking and KFH's approval. Also, no guarantor or collateral is needed for this Islamic personal financing.

What is my obligations?

You are required to pay the bank what you have borrowed, which consist of principal amount and profit rate, every month until your loan tenure has matured. As this is a flat rate Islamic personal financing, 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 or 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 personal financing ahead of schedule.

Who can apply for KFH personal financing?

KFH personal financing is offered to employee of multinational companies, public limited companies, government-linked companies and their subsidiaries. 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 NRIC together with it. Then, you also need to supply several of the documents below:

For Salary Earners:

  • Copy of NRIC (front and back)
  • Latest 3-month payslip
  • EPF Statement with latest 3-month contribution

For Self-Employed:

  • Copy of NRIC (front and back)
  • Latest B/e-Tax form with tax payment receipt; or EPF Statement; or copy of latest Audited Financial Statements
  • Business Registration Form
  • Latest 6-month Company or Personal's bank statement

Am I qualified to apply for KFH personal financing if I'm blacklisted?

Depending on your credit history with other financial institutions because all these information (outstanding credit card, personal loan, home loan or car loan debts) will be captured in CCRIS / CTOS (a system that collect 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 personal financing application if you can show that you are managing your personal finances, rather than accumulating more debt.