Apply for Shariah-concept personal financing by Public Islamic Bank with salary deduction by MCCM Resources Sdn Bhd and Revotek through Biro Angkasa, fixed profit rates from 3.88% p.a., and payout up to 98%.
Available Amount
Up to RM 350,000
Best For
Civil servants
Journey
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About The Facility
Public Islamic Bank personal financing is provided by Public Islamic Bank, a subsidiary of Public Bank, with salary deduction handled by MCCM Resources Sdn Bhd and Revotek through Biro Angkasa.
Background
The reference page highlights this facility for civil servants and statutory body employees, with low fixed profit rates, high payout, no guarantor or collateral, and repayment through the Biro Angkasa salary deduction channel.
Rate From
3.88% p.a.
The reference page lists fixed profit-rate tiers starting from 3.88% per year.
Payout
Up to 98%
The payout or financing amount received can be as high as 98%.
Processing
1-2 weeks
The application process is shown as around 1 to 2 weeks.
Special Loan Features
These key details follow the Public Islamic Bank - MCCM reference page, including fixed profit-rate tiers, high payout, and Shariah-concept financing.
Financing Amount
The feature and promotion sections list financing ranges up to RM 350,000.
Profit Rate
Fixed profit-rate tiers are based on the approved financing range.
Financing Tenure
The financing period ranges from a minimum of 2 years to a maximum of 10 years.
Payout
The total payout or financing amount received can be as high as 98%.
Repayment
Salary deduction is handled by MCCM Resources Sdn Bhd and Revotek through Biro Angkasa.
Fees
No member fees or processing fees are charged according to the reference page.
Security
No collateral or guarantor is required for this unsecured personal financing.
Concept
Public Islamic Bank - MCCM personal financing is based on Shariah concept.
Processing
The reference timeline is around 1 to 2 weeks on a best-effort basis.
Promotion Plans
The reference page separates the Public Islamic Bank - MCCM fixed rate by financing range.
Plan 1
Fixed profit rate for financing from RM 200,000 to RM 350,000.
Plan 2
Fixed profit rate for financing from RM 50,000 to RM 200,000.
Plan 3
Fixed profit rate for financing from RM 5,000 to RM 49,000.
Amount Note
The reference feature and promotion sections list financing ranges up to RM 350,000, while the FAQ states a maximum amount of RM 150,000. The final approved amount follows the latest Public Islamic Bank - MCCM assessment and terms.
Financing Purpose
The reference page positions this financing for home renovation, buying a vehicle, starting or expanding a business, medical bills, student loans, or paying off expensive debt such as credit card balances.
Eligibility & Documents
Public Islamic Bank - MCCM focuses on eligible government employees, statutory body employees, and selected GLC employees with permanent employment.
Payout, Fees & Repayment
Final payout, rate, tenure, fees, and approval are subject to Public Islamic Bank - MCCM terms and full assessment.
Cash in hand
The payout or financing amount received can be as high as 98%, subject to final assessment.
Takaful Protection
Public Islamic Bank - MCCM personal financing is covered by Takaful protection.
Member Fee
No member fees or processing fees are charged for this financing route.
Upfront Payment
No advance instalment payment is required for Public Islamic Bank - MCCM financing.
Overlap Facility
Existing Public Islamic Bank - MCCM customers can apply for an overlap facility, subject to approval.
Late Payment
Late monthly payment may be charged according to the financing agreement.
Advance Payment
Advance payment for Public Islamic Bank - MCCM personal financing is allowed.
Our Promise
Applying can feel stressful, so the process stays clear, convenient, transparent, and free from upfront charges.
We focus on matching your financing need with suitable, reputable bank and koperasi options.
A consultant guides your application, document preparation, and follow-up from A to Z.
Rate, payout, processing time, fees, and important conditions are explained clearly before you proceed.
Our service is 100% free. No hidden charges or upfront processing fee is collected from you.
Share your employment profile, financing amount, income, and current commitment details.
Prepare MyKad, certified salary slips, employment confirmation, and bank statement for review.
Your consultant helps review the fixed-rate tier, payout, tenure, and important conditions.
After you choose to proceed, your consultant assists with submission, follow-up, and next steps.
FAQ
Key details before you apply for Public Islamic Bank - MCCM personal financing.
Tell us what you need on the contact page and our team will guide you to the right financing option, documents, and next step.
