Public Bank. 4.99% for 4 years +. 3.40% for 2 & 3 years. I just made mine. About a week to get approval and the money is in.

http://www.publicislamicbank.com.my/pibb/e..._pfinancing.pdf

neveek1

only 1 out of 50 customers will get the rate of 5.5% flat.

Obviously, you're on a risk based pricing platform

There is NO WAY u will have 5.5% flat rate as a board rate.

Your Approval Rate should also be very bad, and income survivability for you will be volatile at best.  If u have problems and want other options in your career, you PM me. 

Anson Lee

I asked which COMMERCIAL bank offers a rate lower than 13.5% effective rate.  Please know the difference between a flat and effective rate first.  Secondly, Bank Rakyat is a COOPERATIVE Bank.  NOT a COMMERCIAL Bank.  There's a HUGE difference.  And I won't bother explaining more here.  thanks.