Al-Rajhi Bank Loan Malaysia 2025: Pembiayaan Peribadi & Islamik Shariah
Al-Rajhi Bank Malaysia ialah bank Islamik antarabangsa yang memulakan operasinya di Jalan Ampang pada 16 Oktober 2006 dan kini telah berkembang kepada 18 cawangan di seluruh negara. Sebagai salah satu bank Islam terbesar di dunia, Al-Rajhi Bank komited dalam menyediakan penyelesaian kewangan berlandaskan prinsip Shariah yang inovatif dan mesra pelanggan.
Di Malaysia, Al-Rajhi Bank menawarkan pelbagai produk pembiayaan Islamik, termasuk Al-Rajhi Bank loan untuk individu dan perniagaan. Produk-produk pembiayaan ini direka khas mengikut prinsip kewangan Islam, memberikan alternatif patuh Shariah kepada pinjaman konvensional.
Berikut ialah beberapa jenis pembiayaan peribadi dan perniagaan yang ditawarkan oleh Al-Rajhi Bank di Malaysia:
Personal Financing
Personal Financing-i: This financing service is designed to help individuals meet their financial needs, such as funding for home renovation or education. The highlights of this service include attractive rates as low as 6.20% p.a., a high financing limit of up to RM250,000, and a financing tenure of up to 8 years. It requires no guarantor and is approved by the Al Rajhi Bank Malaysia Shariah Board.
Cash Line Financing
Cashline-i: This financing option allows individuals to easily draw, pay, and redraw funds from their Current Account-i (CA-i) held with Al-Rajhi Bank Malaysia, up to the approved limit. It provides attractive rates as low as SBR + 6.50% with a tenure of up to 8 years.
Home Financing
Home Financing-i: This service provides a margin of financing up to 90% and a maximum loan period of 25 years. Al-Rajhi Bank’s benchmark BFR is higher than most Islamic banks, standing at 6.9%.
Home One Account: Specific details on the features of the Home One Account service were not available. However, further information can be found on the official page of Al-Rajhi Bank.
Other Financing Services
Personal Financing Secured By Term Deposit: This is another form of personal financing where the loan is secured by a term deposit.
Personal Financing Secured By Gold: This financing service is secured by gold.
Corporate Community Select Programme – Salary Deduction (CCSP-SD): This is a program under the personal financing category, but the specifics were not detailed.
