Bank Muamalat Cash-i SMART
Min. Profit Rate6.99% p.a.
Max. Financing AmountRM 250,000
Max. Tenure7 years
Min. Profit Rate6.99% p.a.
Max. Financing AmountRM 250,000
Max. Tenure7 years
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*Profit rate, monthly payment, and total payment amount displayed are estimates for illustrative purposes only. The actual financing terms, including the approved amount, and final profits are subject to assessment and approval by the lending party.
Fees and Charges
Profit RateAs low as 6.99% p.a.**Subject to terms and conditions
Stamp Duty
0.50%0.50% of the total amountAs per the Stamp Duty Act 1949 (Revised 1989)
Processing Fee
Exempted
Late Payment Fee
1.00% on such overdue amount1% per annum Ta’widh (compensation) charge will be imposed on the outstanding instalment amount
Early Termination Fee
Exempted
Eligibility
Min. IncomeRM 2,000per monthRM 24,000 per year
Who Can Apply?Malaysian citizens18 - 60 years old
Employment Status
- Salaried employee & self-employed
Documents required to apply:You will need to provide several documents such as (varies between different banks):
Salaried Employees (Malaysian)
- A copy of your IC (both sides)
- Latest 1 month salary slip
- Latest 1 month bank statement (with salary being credited)
- EPF statements from 2025 and 2026
Self-Employed (Malaysian)
- A copy of your IC (both sides)
- Latest 3 months salary slip
- Latest 3 months bank statement (with salary being credited)
- EPF statements from 2025 and 2026
Financing Payment Table
| Financing Amount | Financing Tenure | Min. Income | Profit Rate |
|---|---|---|---|
| RM 10,000 - RM 250,000 | 24 months | min. RM 24,000 | 6.99% p.a. |
| RM 10,000 - RM 250,000 | 36 - 84 months | min. RM 24,000 | 13.99% p.a. |