guys..I've read bank islam personal loans for private sectors..but is it really for all private sectors or they have specific company only? my company is Australia based. setup in Malaysia for more than 12 years. steel manufacturing/engineering industry. I wanted to apply for personal loan. please clarify me..thanks in future..

As long as you're gainfully employed and can prove it (E.g. EPF, bank statements, pay slips), shouldn't be much of a problem

if you see on their website, there are package and non package..i don't quite understand it..if there is bankers from bank islam here would be great..thanks

as per what I've been through, there's a catch. you have to transfer you primary bank account (esp account which you get your monthly pay) to bank islam, which I can say somehow I regret of doing so, in view the s*** level of the internet banking they are offering right now.

anyhow, their rate is quite attractive. I managed to get RM10k loan for 3 years with monthly deductions of RM301 per month

just asking..are you in private sector? I just don't understand the package and non-package..plus it says that "selected company by bank islam"? what does this means?

Packaged = Private Sector but Panel Bank for your company.
Non-packaged = Private Sector.

You can check with them whether your company classified as panel or otherwise.



However, you need to take into consideration like 2 months of advance payment will be deducted from the loan. Need to transfer salary to their bank, stamp duty, wakalah fees and etc.

But still, non-packaged also the interest quite low.

Let say my company is in non-packaged. Can I still apply? since it showed in the website that minimum salary must 3.5k per month. Currently mine is only at 2.8k gross..by the way, where can I check whether my company is in panel with bank islam?

Thanks.

That you have to check with the bank.