|
|
Easy-Pinjaman Ekspres - Personal Financing
Require access to funds urgently? Wait no longer. Bring along your MyKad and head to the nearest Easy branch to apply for a personal loan and obtain instant approvals and loan disbursement.
Unique features:
- On-the-spot approval and disbursement
- Flexible Personal Financing amounts from RM2,000 to RM50,000
- Low monthly installment amount from less than RM60 per month
- Flexible loan repayment tenure of up to 5 years (60 months)
Benefits:
- Get the Easy Visa Debit Card with the approved loan
- Convenient monthly repayment through standing instruction
*Terms & Conditions apply
View product disclosure sheet
Easy-Pinjaman Ekspres Repayment Schedule
| Tenure (Month) / Loan Amount (RM) |
Loan Installment Amount |
| 12 |
18 |
24 |
30 |
36 |
42 |
48 |
54 |
60 |
| 2,000 |
189.12 |
133.40 |
105.74 |
89.30 |
78.47 |
70.83 |
65.20 |
60.90 |
57.54 |
| 4,000 |
378.24 |
266.81 |
211.48 |
178.60 |
156.93 |
141.67 |
130.41 |
121.81 |
115.07 |
| 6,000 |
567.36 |
400.21 |
317.23 |
267.90 |
235.40 |
212.50 |
195.61 |
182.71 |
172.61 |
| 8,000 |
756.48 |
533.62 |
422.97 |
357.20 |
313.86 |
283.34 |
260.81 |
243.62 |
230.14 |
| 10,000 |
945.60 |
667.02 |
528.71 |
446.50 |
392.33 |
354.17 |
326.02 |
304.52 |
287.68 |
| 15,000 |
1,396.71 |
978.67 |
770.78 |
646.95 |
565.13 |
507.31 |
464.49 |
431.65 |
405.80 |
| 20,000 |
1,862.28 |
1,304.90 |
1,027.71 |
862.60 |
753.50 |
676.41 |
619.31 |
575.53 |
541.07 |
| 25,000 |
2,327.84 |
1,631.12 |
1,284.64 |
1,078.24 |
941.88 |
845.51 |
774.14 |
719.42 |
676.33 |
| 30,000 |
2,793.41 |
1,957.35 |
1,541.57 |
1,293.89 |
1,130.25 |
1,014.62 |
928.97 |
863.30 |
811.60 |
| 35,000 |
3,258.98 |
2,283.57 |
1,798.50 |
1,509.54 |
1,318.63 |
1,183.72 |
1,083.80 |
1,007.19 |
946.87 |
| 40,000 |
3,724.55 |
2,609.80 |
2,055.43 |
1,725.19 |
1,507.00 |
1,352.82 |
1,238.63 |
1,151.07 |
1,082.13 |
| 45,000 |
4,190.12 |
2,936.02 |
2,312.35 |
1,940.84 |
1,695.38 |
1,521.93 |
1,393.46 |
1,294.95 |
1,217.40 |
| 50,000 |
4,655.69 |
3,262.25 |
2,569.28 |
2,156.49 |
1,883.75 |
1,691.03 |
1,548.28 |
1,438.84 |
1,352.67 |
| Category |
Loan Amount Capping |
Interest Rate
from (p.a.) |
| Minimum |
Maximum |
| Tier 1 |
RM2,000 |
RM10,000 |
13.38%* |
| Tier 2 |
RM11,000 |
RM50,000 |
11.63%* |
*The rates stated above are based on a flat rate and vary according to the repayment period from 12 months onwards.The actual rate charged however will be calculated on a monthly reducing balance rate. (effective interest rate or in short EIR).
Tier 1: from 13.38%p.a. flat that is equivalent to EIR 24% p.a.
Tier 2 from 11.63% p.a. flat that is equivalent to EIR 21% p.a.
The EIR rate may be higher if the monthly payment is not regular.
Documents Required
| Document Required |
Salaried |
Self-employed |
Commission
Earner |
| MNCs |
NON-MNCs |
Govt. |
Copy of MyKad
(front and back)
|
✔ |
✔ |
✔ |
✔ |
✔ |
Form 9, 24, 49 or
Business Registration
Certificate |
|
|
|
✔ |
|
Salary Slip or
Commission Statement |
▲
1 Month |
θ
1 Month |
▲
1 Month |
|
✔
6 Months |
| Bank Statement |
▲
1 Month |
θ
1 Month |
▲
1 Month |
▲
6 Months |
▲
6 Month |
| EPF Statement |
▲
6 Months |
▲
6 Months |
|
|
|
Latest Form B/BE
(with validated receipt
of payment to LHDN)
|
|
|
|
▲ |
▲ |
| |
|
| ✔ |
Mandatory |
| ▲ |
Any of the documents listed combined with the mandatory documents |
| θ |
Combination of the documents listed combined with mandatory documents |
NOTE: Bank may require up to 6 months of income documents if the income comprise of variable components (Overtime, Allowances, Commission & etc).
|
|
