Background
Licensed Islamic banking facility.
The reference page states that MBSB Bank Berhad is licensed by Bank Negara Malaysia to undertake Islamic banking business and is regulated under the Islamic Financial Services Act 2013.
MBSB Bank
Personal Loan
Apply for Islamic bank personal financing with salary deduction through Biro Angkasa, profit rate from 2.82% p.a., payout up to 98%, and processing around 3-4 working days.
100% free, no hidden fees
Consultant assistance
Fast application review
How It Works
Available Amount
Up to RM 400,000
Best For
Civil servants
Journey
Loan flow 01
Apply online
Tell us your financing need and employment profile.
02
Compare suitable options
Review bank and koperasi options that fit your profile.
03
Submit documents
Prepare your income documents and bank statement for review.
04
Consultant assists A-Z
Get guided support until your application is completed.
Prepare
Civil servant profileIncome documentsBank statementApplication review
100% FreeNo Upfront FeesShariah Options
About The Facility
Bank financing
for civil servants.
MBSB personal financing is provided by MBSB Bank with repayment through Biro Angkasa salary deduction, making it suitable for eligible civil servants and statutory body employees who need a structured Islamic financing option.
Rate From
2.82% p.a.
The reference page lists a floating rate from 2.82% per year.
Payout
Up to 98%
The total payout or financing amount received can be up to 98%.
Processing
3-4 working days
Application processing is shown as around 3-4 working days.
Special Loan Features
MBSB terms
at a glance.
These key terms follow the MBSB reference page, including the Islamic financing concept, high payout, and Angkasa salary deduction repayment.
Financing Amount
Up to RM 400,000
Maximum financing amount is subject to profile, eligibility, and final bank approval.
Profit Rate
From 2.82% p.a.
The reference page lists a floating-rate facility starting from 2.82% per year.
Financing Tenure
2 to 10 years
The financing period ranges from a minimum of 2 years to a maximum of 10 years.
Repayment
Biro Angkasa
Monthly instalments are repaid through automatic salary deduction by ANGKASA.
Processing
3-4 working days
The reference timeline is around 3-4 working days on a best-effort basis.
Employer Signature
Not required
The reference page states no employer signature is required for AG customers.
Security
No guarantor
No collateral or guarantor is required for this unsecured personal financing.
Concept
Islamic financing
MBSB personal financing follows a Shariah concept.
Urgent Cash & Debt Consolidation
Suitable for immediate funds and expensive debt.
The reference page positions MBSB personal financing for urgent expenses such as festive needs, school fees, outstanding bills, emergencies, and debt consolidation. Final approval and cash in hand still depend on MBSB Bank's assessment.
Eligibility & Documents
Prepare the
right profile.
MBSB focuses on civil servants, statutory bodies, and selected GLC applicants with permanent employment and the required income profile.
Applicant Requirements
- Malaysian citizen. The feature list states age 20 to 60, while the detailed FAQ lists age 20 to 58.
- Government employee, statutory body employee, or selected GLC employee, except Armed Forces members.
- Permanent position with at least 1 year of service.
- Minimum fixed monthly income of RM 3,000 including fixed allowance.
- High outside payslip commitment or CCRIS records can be considered.
- PTPTN overdue records can be considered, subject to assessment.
Credit Restrictions
- Special Attention Account in CCRIS or AKPK status is not eligible.
- CCRIS arrears can be considered if the financing arrears do not exceed 2 months.
- CTOS or trade references above RM 2,000 need to be settled through the financing.
- Applicants must not be bankrupt and must be able to repay the financing.
Documents To Prepare
- Copy of MyKad, front and back.
- Latest 3 months salary slip statement.
- Employment confirmation letter.
- Latest bank statement showing monthly salary credit.
Payout, Fees & Repayment
Understand the
cash-in-hand details.
Final payout, rate, tenure, fees, and approval are subject to MBSB Bank's financing agreement and full assessment.
Cash in hand
Up to 98%
The payout or financing amount received can be up to 98%, subject to MBSB Bank's final calculation.
Takaful Protection
Included
The reference page states that Takaful protection is included and borne by MBSB Bank.
Upfront Payment
Not required
No upfront instalment payment is required for MBSB Bank personal financing.
Overlap Facility
Allowed
Existing MBSB Bank personal financing customers can apply for an overlap facility, subject to approval.
Late Payment
Fee may apply
Late monthly payment may be charged according to the financing agreement.
Advance Payment
Allowed
Advance payment for MBSB Bank personal financing is allowed.
Illustration
The reference illustration uses RM 10,000 financing over 10 years at 3.20% p.a., with total repayment of RM 13,200. The reference note also states that MBSB financing is a floating-rate facility starting from a fixed-rate equivalent of 2.82% p.a.
Our Promise
Guided from
application to follow-up.
Applying can feel stressful, so the process stays clear, convenient, transparent, and free from upfront charges.
You Are Our Priority
We focus on matching your financing need with suitable, reputable bank and koperasi options.
Convenience
A consultant guides your application, document preparation, and follow-up from A to Z.
Transparent
Rate, payout, processing time, fees, and important conditions are explained clearly before you proceed.
Free
Our service is 100% free. No hidden charges or upfront processing fee is collected from you.
How to Apply
01
Apply online
Share your employment profile, financing amount, income, and current commitment details.
02
Prepare documents
Prepare MyKad, salary slips, employment confirmation, and bank statement for review.
03
Review offer
Your consultant helps review the expected rate, payout, tenure, and important conditions.
04
Proceed with support
After you choose to proceed, your consultant assists with submission, follow-up, and next steps.
FAQ
Common
questions.
Key details before you apply for MBSB Bank personal financing.
