Public Bank

Public Bank BAE Personal Financing-i

An unsecured, flat rate Bai Al-Einah personal financing plan for Government and Public Sector workers.

    • Financing up to RM150k
    • 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 Public Bank BAE 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
RM5000 - RM15000024 to 120 monthsmin. RM180004.88% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
As low as 4.88% p.a., depending on financing amount and period
Processing Fee
Stamp Duty
0.5% of the whole amount
Early Termination Fee
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.

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this personal financing?

Minimum annual income
Minimum age
20 years old
Maximum age
60 years old
Who can Apply
  • Malaysians
  • Confirmed and Permanent Staff
  • Government employee
  • Government-Linked Company employee

Frequently Asked Questions about Public Bank BAE Personal Financing-i

Things you might want to know

Who is eligible for Public Bank BAE Personal Financing-i?

Only employees of Government and selected Government Linked Companies may apply for this personal loan product.

How much money can I borrow?

Public Bank’s BAE Personal Financing-i provides personal loans of RM5,000 to RM150,000, with repayment terms between two to ten years.

Applications are credit checked before Public Bank approves a loan amount. To give you an idea of the borrowing limit, in most cases your fixed monthly repayment should be less than 60% of your monthly salary.

How much does this personal loan cost?

Public Bank charges a processing fee of RM100 and Stamp Duty calculated as 0.5% of the total amount borrowed. Further administration charges vary according to the amount that you are borrowing and the type of Security Documents you need to provide.

What do I need to apply for this personal loan?

No deposit, guarantor or collateral is required when making a BAE Personal Financing-i application, this is unsecured personal loan. You will only need to provide a few supporting documents:

  • Copy of NRIC (front and back).
  • Latest 3 month’s salary slips or EPF statements.
  • Letter from Employer confirming position and salary.

How do I get my hands on the money?

Loan approval takes a few business days to process. Once approved your borrowed funds will be transferred to the Public Bank account of your choice.

How do I pay the money back?

Installments must be deducted directly from your monthly salary until the loan is cleared.

Can I pay my Public Bank BAE Personal Financing-i loan off early?

Yes, you can settle your loan at any time. There is no early termination fee.

Is Public Bank BAE Personal Financing-i Syariah compliant?

Yes, this personal finance product is compliant with the Bai Al-Einah Syariah standard.

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