Consider
Rate structure
Customers should compare the monthly interest rate together with the repayment tenure rather than relying on one headline amount alone.
Repayment Examples
Compare Loan Costs
Illustrative examples to help you understand repayment commitments across different loan amounts and tenures.
Illustrative Repayment Examples
Compare indicative borrowing costs across different amounts and tenures before making a decision
| Amount | Tenure | Rate | Monthly Instalment | Total Repayment |
|---|---|---|---|---|
| RM20,000 | 36 months | 0.66% per month | Approx. RM688 | Approx. RM24,752 |
| RM50,000 | 60 months | 0.66% per month | Approx. RM1,163 | Approx. RM69,800 |
| RM100,000 | 84 months | 0.66% per month | Approx. RM1,851 | Approx. RM155,440 |
Comparison Considerations
Important factors to consider when comparing loan options
Consider
Fees and charges
The fixed one-time RM30 CTOS fee, stamp duty and any other applicable charges should be considered when comparing total borrowing cost.
Consider
Total repayment
The total amount repaid over the full tenure is often a better comparison point than the initial monthly instalment alone.
Consider
Support and flexibility
Customers should also review complaint channels, hardship support, restructuring pathway and early-settlement terms before proceeding.
Important Comparison Notice
Illustrative examples do not replace final approved terms
These examples are provided for comparison only. Final monthly interest, fees, charges, approved tenure, instalment amount and total repayment depend on product terms, affordability review, supporting documents and the final approved offer.
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