Find out more about our award-winning loans/financing offerings. Whether you seek personal loans/financing, car loans/financing or home loans/financing, we offer some of the most affordable and competitive interest/profit rates in Malaysia.

TERM FINANCING-i secured by ASB / ASB2 certificate

Eligibility: Malaysian Bumiputera individual
Age: 18 to 65 [at the point of application]
Financing Amount: Minimum RM10,000 & Maximum RM200,000
Financing Tenure: Minimum 5 years & Maximum 40 years or age 70 at financing expiry; whichever is earlier
Financing Margin: Up to 100% + 5% of RTT financing
Profit Rate: As low as Standardised Base Rate + 2.75% per annum

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Auto Financing

We go beyond being just your automobile financier. With us, you will find a​ host of value-added features designed to ease and simplify your car ownership experience.

We look forward to ensuring that you have a wonderful experience in owning your vehicle with us.

To support Malaysia's aspiration to become carbon neutral by 2050 and in line with the Low Carbon Mobility Blueprint (2021-2030) framework that aims to shift Malaysia towards electrification in the transportation industry as a key strategy to reduce emissions, preferential financing rates will be offered for electric vehicles*.
*Electric Vehicles is defined as Battery Electric Vehicles (BEVs)

To begin your green journey with Tesla, click here.

Large Dealer Network

Over 3,000 panel dealers in Peninsular and East Malaysia.
The Bank has long established relationship with automotive dealers for almost all prestigious brands and models. With one of the largest car dealer network, getting your car will be a breeze.

Wide Range of Financial Solutions

Arrays of financing packages are available covering both Conventional and Islamic financing, Insurance/Takaful and Credit Card/-i.

  • Fixed Rate Financing - manage your finances better by fixing your monthly instalment and payment period.
  • Variable Rate Financing - own your car with an affordable monthly instalment with financing rate pegged to BLR/BFR.
  • Special packages tailor-made for your business organisation via AmBank@Work Financial Solution.
  • Privilege rate for AmSignature Priority Banking customers
  • Payment of your monthly instalments made easy via salary deduction/auto debit facility

 

100% Financing based on Murabahah Tawarruq

Applicable for all Federal, State Government, selected Statutory Bodies and selected GLC employees with monthly payment through salary deduction via Biro Perkhidmatan ANGKASA (BPA).

Click here for more info.

Eligibility

Financing Type: Fixed Rate Reducing Balance
Financing Amount: Up to RM150,000
Financing Tenure: Up to 9 years
Financing Margin: Up to 100% of the invoice price

Comprehensive Auto Related Insurance and Takaful Coverage

Our plans are crafted to ensure owning your dream car is not a burden.

  • Comprehensive Motor Insurance/Takaful – AmGeneral Insurance and Kurnia Insurance. Walk into any of our 175 branches nationwide to buy/renew your motor insurance or takaful policy (in collaboration with MAA Takaful).
  • Life Insurance/Family Takaful– A life plan that will take care of any outstanding amount of your car hire purchase financing, in the event of Death or Total Permanent Disability (TPD).
  • Personal Accident Protection Insurance/Takaful – Accidents are inevitable! Eliminate your worries by protecting yourself through our Insurance/Takaful Plan.

Now, you can rest assure knowing that we provide security and convenience. Click here to view On The Spot Branches.

Extensive Payment Channels

Extensive choice of payment options for speedy service and convenience:

  • Auto Debit Facility
  • Online banking
  • EBC (electronic Banking Channel)
    • CDM (Cash Deposit Machine) - AmBank Branches
    • ATM (Automated Teller Machine) - AmBank Branches
  • Over The Counter - AmBank Branches

Reminder to Hirers / Customers

You are hereby reminded that under the Hire Purchase Act 1967, you are liable for all amounts due to the Bank until the account is fully settled and the Bank discharges you of your obligation.

Please ensure that you do not dispose your vehicle or illegally assign your obligation to unauthorised third parties as you will be in contravention of Section 37 & 38 of the Hire Purchase Act 1967.

In the event of facing financial difficulty in meeting your monthly installment obligation, please contact:
Retail Collection & Recovery Management, AmBank (M) Bhd at 03-20546688 for assistance.

Personal Financing-i

In planning for the future, financing education, starting a business, preparing for future medical needs, home renovation, or even for basic needs in practicing a healthy lifestyle, a strong financial position is essential for your dreams to come true. AmBank Islamic is ready to help you in fulfilling your dreams and achieving the success you desire with Personal Financing-i, a shariah-compliant AmBank Islamic product based on the concept of Murabahah tawarruq (MTQ).

Personal Financing-i

  • High Payout up to 99.5% with competitive pricing
  • No advance installments required
  • 3 Months Deferment Period*
  • No Guarantor & Collateral Required
  • No Monthly Membership Fee
  • Rebate on Early Settlement
  • Takaful coverage (optional)
  • Waived Wakil & Trading Fees

View the next page for more details on financing under Biro Perkhidmatan Angkasa (BPA).

*Subject to date of disbursement

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Personal Financing-i Offers

Salary deduction via Biro Perkhidmatan ANGKASA (BPA). Profit rate as low as 4.08% fixed rate per annum (effective profit rate as low as 7.24% per annum).

 

Home Loan

Chasing real estate prices may make it seem that owning your dream home is out of reach, maybe now is the time to do something about it.

AmBank’s unparalleled home loans will make it easier to move into your house with a range of easy and manageable repayment terms. Also with a combination of term loan and overdraft facility that comes with our home loans, enjoy flexibility in managing the size and frequency of loan repayments.

With the option to make extra repayments, you control how much interest you pay and not us. This returns the control of your finances back to where it should be. In your hands.

Download the Residential Property Financing Brochures here.

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Home Link

Link your home loan to your current account to save more on interest. The more funds you keep in your current account, the more you stand to potentially save in interests. This integrated account is easy to monitor through a monthly consolidated statement. Best of all, you can still access your funds anytime via ATM or a cheque book whenever there is a need.

Download the Residential Property Financing Brochures here.

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Property Loan

A simple and basic loan for commercial properties with added flexibility.

  • Flexibility in managing the amount and frequency of loan repayment.
  • Combination of term loan and overdraft facility is available.
  • Margin of financing up to 85% (with MRTA/MLTA).

Download the Commercial Property Financing Brochures here.

Apply Now

Property Link

Enhanced commercial loan with linkages to a Current Account for greater interest savings.

  • Integrated account for easy monitoring.
  • The more funds in Current Account, the more savings on interest.
  • Instant cash withdrawal via ATM.

Download the Commercial Property Financing Brochures here.

Apply Now

Home/Property Financing-i

Based on the Shariah contract of Tawarruq, our Home/Property Financing-i offers you variable rate home/property financing solutions.

Features:

  • Profit is calculated based on variable rates.
  • Protected throughout the financing period with capping rate.
  • Margin of financing up to 95% (inclusive of Mortgage Reducing Term Takaful (MRTT)).

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SJKP Home Financing-i

Unlocking the door to your to first home is now easier! Get financing of up to 110% or RM500,000, whichever is lower.

Click here for more info.

Key Benefits​

  • High financing amount of up to 110% or RM500,000, whichever is lower, including principal financing amount, Mortgage Reducing Term Takaful (MRTT) and related expenses.
  • No downpayment required!
  • Your financing amount is guaranteed under Skim Jaminan Kredit Perumahan (SJKP).

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Did you know that you can view your eStatements on AmOnline?

Download the AmOnline app today to access and view your loan/financing/-i eStatements.

 

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