Cash-i Muamalat Premier

Currency	Sell	Buy
AUD	0.00	0.00
BND	0.00	0.00
CAD	0.00	0.00
CHF	0.00	0.00
EUR	0.00	0.00
GBP	0.00	0.00
NZD	0.00	0.00
SGD	0.00	0.00
USD	0.00	0.00
Updated on 24/01/2024 9:15 am More currencies

Gold Standard	Price per gram (RM)
750	324.84
835	361.66
875	378.98
916	396.74
950	411.47
999	432.69
Updated on 25/11/2024 9:00 am	More details

Secure Your Future Wealth with Gold Today. Perth Mint 99.99% Gold Minted Bar/Account Price:
Account	410.40	381.63
Physical	424.79	381.63
EasiGold (Less than RM15,000)	393.802	389.003
EasiGold (RM15,000 and more)	394.802	388.003
(Prices published are per gram and for reference only. Click RM and Gold Weightage Table to view listing of gold amount purchased per RM10 value) At selected branches only * EasiGold price is indicative and subject to change without notice. For LIVE pricing, please download the EasiGold application from Google Playstore or Apple Store
Updated on 25/11/2024 5:30 pm	More details

Currency	Sell	Buy
AUD	0.00	0.00
BND	0.00	0.00
CAD	0.00	0.00
CHF	0.00	0.00
EUR	0.00	0.00
GBP	0.00	0.00
NZD	0.00	0.00
SGD	0.00	0.00
USD	0.00	0.00
Updated on 24/01/2024 9:15 am More currencies

Currency

Sell

Buy

AUD

0.00

BND

0.00

EUR

0.00

SGD

0.00

USD

0.00

Updated on 24/01/2024 9:15 am

More currencies

Gold Standard	Price per gram (RM)
750	324.84
835	361.66
875	378.98
916	396.74
950	411.47
999	432.69
Updated on 25/11/2024 9:00 am	More details

Gold Standard

Price per gram (RM)

750

324.84

835

361.66

875

378.98

916

396.74

950

411.47

999

432.69

Updated on 25/11/2024 9:00 am

More details

Secure Your Future Wealth with Gold Today. Perth Mint 99.99% Gold Minted Bar/Account Price:
Account	410.40	381.63
Physical	424.79	381.63
EasiGold (Less than RM15,000)	393.802	389.003
EasiGold (RM15,000 and more)	394.802	388.003
(Prices published are per gram and for reference only. Click RM and Gold Weightage Table to view listing of gold amount purchased per RM10 value) At selected branches only * EasiGold price is indicative and subject to change without notice. For LIVE pricing, please download the EasiGold application from Google Playstore or Apple Store
Updated on 25/11/2024 5:30 pm	More details

Secure Your Future Wealth with Gold Today.
Perth Mint 99.99% Gold Minted Bar/Account Price:

Product Type

Bank Sell

Bank Buy

Account

410.40

381.63

Physical

424.79

381.63

EasiGold (Less than RM15,000)

393.802

389.003

EasiGold (RM15,000 and more)

394.802

388.003

(*Prices published are per gram and for reference only. Click RM and Gold Weightage Table to view listing of gold amount purchased per RM10 value)
*At selected branches only

* EasiGold price is indicative and subject to change without notice. For LIVE pricing, please download the EasiGold application from Google Playstore or Apple Store

Updated on 25/11/2024 5:30 pm

More details

Cash-i Muamalat Premier

Solutions to your financial needs. Whether you need extra money for a rainy day or an opportunity that can’t wait, we have the solution for you.

Cash-i Muamalat Premier

Solutions to your financial needs. Whether you need extra money for a rainy day or an opportunity that can’t wait, we have the solution for you.

Solutions to your financial needs. Whether you need extra money for a rainy day or an opportunity that can’t wait, we have the solution for you.

Purpose

For personal purpose – Cash Consumption

Product

Also known as Pembiayaan Persiapan Persaraan (3P Special)

Who Can Apply

Civil Servant
- Government staff under pension scheme to retire within 5 year

Malaysian Armed Forces
- Employment under “Tetap & Berpencen” category
- For LLP – at least 16 years in services
- For Officer – Minimum 5 years before retirement

Tenure

Up to 10 years

Financing Amount

Minimum: RM 5,000.00
Maximum: RM 250,000.00

Profit Rate

Competitive Flat & Floating Rate

Mode of Payment

Salary with BMMB

Wasiat/Will – writing

Optional (highly encourage)

Takaful

Optional (highly encourage)

Documents Required

Copy of NRIC or ID (front and back)
Latest 1 month salary slip (Flat Rate)
Employment Confirmation Letter
Latest Settlement Statement
Investment Statement (if applicable)

Applicants Eligibility

Repayment Capacity
- Determine by NDI & DSR
Employment
- Under “Tetap & Berpencen”

Campaign Repayment Table

*Effective date : 08 November 2022
*The Ceiling Profit Rate (CPR) is 4%

Calculator

Term	Description
Concept	Tawarruq
Selling price	Fixed and Known Upfront
Takaful Protection	Highly encouraged
Choices Mode of Payment	Salary Deduction / Salary Transfer / Standing Instruction / Pension Transfer
Wasiat/Will Writing	Optional
Structure of Product	Muamalat Personal Financing-i (Tawarruq) is a financing facility that is designed to provide cash financing to the customers for personal consumption/ use which does not contravene with the Shariah principles.Generally, this product is based on Tawarruq as its underlying Shariah concept for provision of financing. The financing structure under the Tawarruq arrangement involves the combination of Wa’d Mulzim, Murabahah, Wakalah and Bai’ Wadhi’ah contracts.
Shariah Concepts	Tawarruq consists of two sale and purchase contracts where the first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash basis. Murabahah refers to a sale and purchase of an asset where the acquisition cost and the mark-up are disclosed to the purchaser. Wakalah refers to a contract where a party, as principal (muwakkil) authorizes another party as his agent (wakil) to perform a particular task on matters that may be delegated, with or without imposition of a fee. Wa’d is a unilateral promise which refers to an expression of commitment given by one party to another to perform certain action(s) in the future. Bai’ Wadhi’ah is a sale contract whereby the asset / commodity is sold at lower price than the cost incurred by the Customer.

Term

Description

Concept

Tawarruq

Selling price

Fixed and Known Upfront

Takaful Protection

Highly encouraged

Choices Mode of Payment

Salary Deduction / Salary Transfer / Standing Instruction / Pension Transfer

Wasiat/Will Writing

Optional

Structure of Product

Muamalat Personal Financing-i (Tawarruq) is a financing facility that is designed to provide cash financing to the customers for personal consumption/ use which does not contravene with the Shariah principles.Generally, this product is based on Tawarruq as its underlying Shariah concept for provision of financing. The financing structure under the Tawarruq arrangement involves the combination of Wa’d Mulzim, Murabahah, Wakalah and Bai’ Wadhi’ah contracts.

Shariah Concepts

Tawarruq consists of two sale and purchase contracts where the first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash basis.
Murabahah refers to a sale and purchase of an asset where the acquisition cost and the mark-up are disclosed to the purchaser.
Wakalah refers to a contract where a party, as principal (muwakkil) authorizes another party as his agent (wakil) to perform a particular task on matters that may be delegated, with or without imposition of a fee.
Wa’d is a unilateral promise which refers to an expression of commitment given by one party to another to perform certain action(s) in the future.
Bai’ Wadhi’ah is a sale contract whereby the asset / commodity is sold at lower price than the cost incurred by the Customer.

AUSTRALIAN DOLLAR	AUD	3.003000	2.838000	2.822000
BRUNEI DOLLAR	BND	3.434000	3.235000	3.224000
CANADIAN DOLLAR	CAD	3.260000	3.144000	3.127000
SWISS FRANC	CHF	5.125000	4.902000	4.884000
EURO	EUR	4.831000	4.563000	4.541000
STERLING POUND	GBP	5.766000	5.511000	5.502000
NEW ZEALAND DOLLAR	NZD	2.750000	2.553000	2.538000
SINGAPORE DOLLAR	SGD	3.434000	3.235000	3.234000
UNITED STATES DOLLAR	USD	4.591000	4.344000	4.327000

Cash-i Muamalat Premier

Cash-i Muamalat Premier

Product Features

Enjoy up to RM400,000* financing

Up to 10 years tenure

Profit Rate as low as 2.77% p.a.

No Guarantor

Debt Consolidations

No Processing Fee

No Hidden Charges