Payment Table for Personal Financing Variable Rate (promo) FY2022

Financing tenure 1 2 3 4 5 6 7
Financing Amount (RM) 12 24 36 48 60 72 84
Annual Effective rate 21.50%
Equivalent Flat rate 12.02% 11.96% 12.19% 12.48% 12.80% 13.13% 13.46%
2,000 186.71 103.26 75.86 62.47 54.67 49.66 46.24
3,000 280.06 154.89 113.80 93.71 82.01 74.49 69.35
4,000 373.42 206.53 151.73 124.94 109.34 99.32 92.47
5,000 466.77 258.16 189.66 156.18 136.68 124.15 115.59
6,000 560.12 309.79 227.59 187.41 164.01 148.98 138.71
7,000 653.48 361.42 265.53 218.65 191.35 173.81 161.83
8,000 746.83 413.05 303.46 249.88 218.68 198.64 184.95
9,000 840.19 464.68 341.39 281.12 246.02 223.47 208.06
10,000 933.54 516.32 379.32 312.35 273.35 248.30 231.18
11,000 1,026.89 567.95 417.26 343.59 300.69 273.13 254.30
12,000 1,120.25 619.58 455.19 374.82 328.02 297.96 277.42
13,000 1,213.60 671.21 493.12 406.06 355.36 322.79 300.54
14,000 1,306.95 722.84 531.05 437.29 382.70 347.62 323.65
15,000 1,400.31 774.47 568.98 468.53 410.03 372.45 346.77
Annual Effective rate 18.50%
Equivalent Flat rate 10.30% 10.20% 10.35% 10.56% 10.80% 11.04% 11.29%
16,000 1,470.69 802.66 582.46 474.19 410.66 369.46 340.99
17,000 1,562.61 852.82 618.86 503.83 436.33 392.55 362.30
18,000 1,654.53 902.99 655.27 533.46 461.99 415.64 383.61
19,000 1,746.44 953.15 691.67 563.10 487.66 438.74 404.93
20,000 1,838.36 1,003.32 728.07 592.74 513.32 461.83 426.24
21,000 1,930.28 1,053.49 764.48 622.38 538.99 484.92 447.55
22,000 2,022.20 1,103.65 800.88 652.01 564.66 508.01 468.86
23,000 2,114.12 1,153.82 837.29 681.65 590.32 531.10 490.17
24,000 2,206.03 1,203.98 873.69 711.29 615.99 554.19 511.49
25,000 2,297.95 1,254.15 910.09 740.92 641.66 577.28 532.80
26,000 2,389.87 1,304.32 946.50 770.56 667.32 600.38 554.11
27,000 2,481.79 1,354.48 982.90 800.20 692.99 623.47 575.42
28,000 2,573.71 1,404.65 1,019.30 829.83 718.65 646.56 596.73
29,000 2,665.63 1,454.81 1,055.71 859.47 744.32 669.65 618.05
30,000 2,757.54 1,504.98 1,092.11 889.11 769.99 692.74 639.36
31,000 2,849.46 1,555.15 1,128.52 918.74 795.65 715.83 660.67
32,000 2,941.38 1,605.31 1,164.92 948.38 821.32 738.92 681.98
33,000 3,033.30 1,655.48 1,201.32 978.02 846.98 762.01 703.29
34,000 3,125.22 1,705.64 1,237.73 1,007.66 872.65 785.11 724.61
35,000 3,217.13 1,755.81 1,274.13 1,037.29 898.32 808.20 745.92
36,000 3,309.05 1,805.98 1,310.53 1,066.93 923.98 831.29 767.23
37,000 3,400.97 1,856.14 1,346.94 1,096.57 949.65 854.38 788.54
38,000 3,492.89 1,906.31 1,383.34 1,126.20 975.32 877.47 809.85
39,000 3,584.81 1,956.47 1,419.74 1,155.84 1,000.98 900.56 831.16
 40,000 3,676.72 2,006.64 1,456.15 1,185.48 1,026.65 923.65 852.48
41,000 3,768.64 2,056.81 1,492.55 1,215.11 1,052.31 946.75 873.79
42,000 3,860.56 2,106.97 1,528.96 1,244.75 1,077.98 969.84 895.10
43,000 3,952.48 2,157.14 1,565.36 1,274.39 1,103.65 992.93 916.41
44,000 4,044.40 2,207.31 1,601.76 1,304.02 1,129.31 1,016.02 937.72
45,000 4,136.32 2,257.47 1,638.17 1,333.66 1,154.98 1,039.11 959.04
46,000 4,228.23 2,307.64 1,674.57 1,363.30 1,180.65 1,062.20 980.35
47,000 4,320.15 2,357.80 1,710.97 1,392.94 1,206.31 1,085.29 1,001.66
48,000 4,412.07 2,407.97 1,747.38 1,422.57 1,231.98 1,108.39 1,022.97
49,000 4,503.99 2,458.14 1,783.78 1,452.21 1,257.64 1,131.48 1,044.28
50,000 4,595.91 2,508.30 1,820.19 1,481.85 1,283.31 1,154.57 1,065.60
Annual Effective rate 15.50%
Equivalent Flat rate 8.59% 8.47% 8.56% 8.70% 8.86% 9.03% 9.21%
51,000 4,615.22 2,484.95 1,780.44 1,432.33 1,226.71 1,092.29 998.50
52,000 4,705.71 2,533.68 1,815.36 1,460.41 1,250.77 1,113.71 1,018.07
53,000 4,796.20 2,582.40 1,850.27 1,488.50 1,274.82 1,135.13 1,037.65
54,000 4,886.70 2,631.13 1,885.18 1,516.58 1,298.87 1,156.54 1,057.23
55,000 4,977.19 2,679.85 1,920.09 1,544.67 1,322.93 1,177.96 1,076.81
56,000 5,067.69 2,728.57 1,955.00 1,572.75 1,346.98 1,199.38 1,096.39
57,000 5,158.18 2,777.30 1,989.91 1,600.84 1,371.03 1,220.80 1,115.97
58,000 5,248.68 2,826.02 2,024.82 1,628.92 1,395.09 1,242.21 1,135.54
59,000 5,339.17 2,874.75 2,059.73 1,657.01 1,419.14 1,263.63 1,155.12
60,000 5,429.66 2,923.47 2,094.64 1,685.09 1,443.19 1,285.05 1,174.70
61,000 5,520.16 2,972.20 2,129.55 1,713.18 1,467.24 1,306.47 1,194.28
62,000 5,610.65 3,020.92 2,164.46 1,741.26 1,491.30 1,327.88 1,213.86
63,000 5,701.15 3,069.65 2,199.37 1,769.35 1,515.35 1,349.30 1,233.44
64,000 5,791.64 3,118.37 2,234.28 1,797.43 1,539.40 1,370.72 1,253.01
65,000 5,882.14 3,167.10 2,269.19 1,825.52 1,563.46 1,392.14 1,272.59
66,000 5,972.63 3,215.82 2,304.10 1,853.60 1,587.51 1,413.55 1,292.17
67,000 6,063.13 3,264.54 2,339.02 1,881.69 1,611.56 1,434.97 1,311.75
68,000 6,153.62 3,313.27 2,373.93 1,909.77 1,635.62 1,456.39 1,331.33
69,000 6,244.11 3,361.99 2,408.84 1,937.86 1,659.67 1,477.81 1,350.91
70,000 6,334.61 3,410.72 2,443.75 1,965.94 1,683.72 1,499.22 1,370.48
71,000 6,425.10 3,459.44 2,478.66 1,994.02 1,707.78 1,520.64 1,390.06
72,000 6,515.60 3,508.17 2,513.57 2,022.11 1,731.83 1,542.06 1,409.64
73,000 6,606.09 3,556.89 2,548.48 2,050.19 1,755.88 1,563.48 1,429.22
74,000 6,696.59 3,605.62 2,583.39 2,078.28 1,779.94 1,584.89 1,448.80
75,000 6,787.08 3,654.34 2,618.30 2,106.36 1,803.99 1,606.31 1,468.38
76,000 6,877.58 3,703.07 2,653.21 2,134.45 1,828.04 1,627.73 1,487.95
77,000 6,968.07 3,751.79 2,688.12 2,162.53 1,852.10 1,649.15 1,507.53
78,000 7,058.56 3,800.51 2,723.03 2,190.62 1,876.15 1,670.56 1,527.11
79,000 7,149.06 3,849.24 2,757.94 2,218.70 1,900.20 1,691.98 1,546.69
80,000 7,239.55 3,897.96 2,792.85 2,246.79 1,924.26 1,713.40 1,566.27
81,000 7,330.05 3,946.69 2,827.77 2,274.87 1,948.31 1,734.82 1,585.85
82,000 7,420.54 3,995.41 2,862.68 2,302.96 1,972.36 1,756.23 1,605.42
83,000 7,511.04 4,044.14 2,897.59 2,331.04 1,996.41 1,777.65 1,625.00
84,000 7,601.53 4,092.86 2,932.50 2,359.13 2,020.47 1,799.07 1,644.58
 85,000 7,692.03 4,141.59 2,967.41 2,387.21 2,044.52 1,820.49 1,664.16
86,000 7,782.52 4,190.31 3,002.32 2,415.30 2,068.57 1,841.90 1,683.74
87,000 7,873.01 4,239.04 3,037.23 2,443.38 2,092.63 1,863.32 1,703.32
88,000 7,963.51 4,287.76 3,072.14 2,471.47 2,116.68 1,884.74 1,722.89
89,000 8,054.00 4,336.48 3,107.05 2,499.55 2,140.73 1,906.16 1,742.47
90,000 8,144.50 4,385.21 3,141.96 2,527.64 2,164.79 1,927.57 1,762.05
91,000 8,234.99 4,433.93 3,176.87 2,555.72 2,188.84 1,948.99 1,781.63
92,000 8,325.49 4,482.66 3,211.78 2,583.81 2,212.89 1,970.41 1,801.21
93,000 8,415.98 4,531.38 3,246.69 2,611.89 2,236.95 1,991.83 1,820.79
94,000 8,506.48 4,580.11 3,281.60 2,639.98 2,261.00 2,013.24 1,840.36
95,000 8,596.97 4,628.83 3,316.51 2,668.06 2,285.05 2,034.66 1,859.94
96,000 8,687.46 4,677.56 3,351.43 2,696.15 2,309.11 2,056.08 1,879.52
97,000 8,777.96 4,726.28 3,386.34 2,724.23 2,333.16 2,077.50 1,899.10
98,000 8,868.45 4,775.01 3,421.25 2,752.32 2,357.21 2,098.91 1,918.68
99,000 8,958.95 4,823.73 3,456.16 2,780.40 2,381.27 2,120.33 1,938.26
Annual Effective rate 12.50%
Equivalent Flat rate 6.90% 6.77% 6.81% 6.90% 7.00% 7.11% 7.22%
100,000 8,908.29 4,730.73 3,345.36 2,658.00 2,249.79 1,981.12 1,792.12
101,000 8,997.37 4,778.04 3,378.82 2,684.58 2,272.29 2,000.93 1,810.05
102,000 9,086.45 4,825.35 3,412.27 2,711.16 2,294.79 2,020.74 1,827.97
103,000 9,175.53 4,872.65 3,445.72 2,737.74 2,317.29 2,040.55 1,845.89
104,000 9,264.62 4,919.96 3,479.18 2,764.32 2,339.79 2,060.36 1,863.81
105,000 9,353.70 4,967.27 3,512.63 2,790.90 2,362.28 2,080.17 1,881.73
106,000 9,442.78 5,014.57 3,546.08 2,817.48 2,384.78 2,099.98 1,899.65
107,000 9,531.87 5,061.88 3,579.54 2,844.06 2,407.28 2,119.80 1,917.57
108,000 9,620.95 5,109.19 3,612.99 2,870.64 2,429.78 2,139.61 1,935.49
109,000 9,710.03 5,156.50 3,646.45 2,897.22 2,452.28 2,159.42 1,953.41
110,000 9,799.11 5,203.80 3,679.90 2,923.80 2,474.77 2,179.23 1,971.34
111,000 9,888.20 5,251.11 3,713.35 2,950.38 2,497.27 2,199.04 1,989.26
112,000 9,977.28 5,298.42 3,746.81 2,976.96 2,519.77 2,218.85 2,007.18
113,000 10,066.36 5,345.73 3,780.26 3,003.54 2,542.27 2,238.66 2,025.10
114,000 10,155.45 5,393.03 3,813.71 3,030.12 2,564.76 2,258.47 2,043.02
115,000 10,244.53 5,440.34 3,847.17 3,056.70 2,587.26 2,278.29 2,060.94
116,000 10,333.61 5,487.65 3,880.62 3,083.28 2,609.76 2,298.10 2,078.86
117,000 10,422.69 5,534.96 3,914.07 3,109.86 2,632.26 2,317.91 2,096.78
118,000 10,511.78 5,582.26 3,947.53 3,136.44 2,654.76 2,337.72 2,114.71
119,000 10,600.86 5,629.57 3,980.98 3,163.02 2,677.25 2,357.53 2,132.63
120,000 10,689.94 5,676.88 4,014.44 3,189.60 2,699.75 2,377.34 2,150.55
121,000 10,779.03 5,724.18 4,047.89 3,216.18 2,722.25 2,397.15 2,168.47
122,000 10,868.11 5,771.49 4,081.34 3,242.76 2,744.75 2,416.96 2,186.39
123,000 10,957.19 5,818.80 4,114.80 3,269.34 2,767.25 2,436.77 2,204.31
124,000 11,046.27 5,866.11 4,148.25 3,295.92 2,789.74 2,456.59 2,222.23
125,000 11,135.36 5,913.41 4,181.70 3,322.50 2,812.24 2,476.40 2,240.15
126,000 11,224.44 5,960.72 4,215.16 3,349.08 2,834.74 2,496.21 2,258.08
127,000 11,313.52 6,008.03 4,248.61 3,375.66 2,857.24 2,516.02 2,276.00
128,000 11,402.61 6,055.34 4,282.06 3,402.24 2,879.74 2,535.83 2,293.92
129,000 11,491.69 6,102.64 4,315.52 3,428.82 2,902.23 2,555.64 2,311.84
 130,000 11,580.77 6,149.95 4,348.97 3,455.40 2,924.73 2,575.45 2,329.76
131,000 11,669.86 6,197.26 4,382.42 3,481.98 2,947.23 2,595.26 2,347.68
132,000 11,758.94 6,244.56 4,415.88 3,508.56 2,969.73 2,615.08 2,365.60
133,000 11,848.02 6,291.87 4,449.33 3,535.14 2,992.23 2,634.89 2,383.52
134,000 11,937.10 6,339.18 4,482.79 3,561.72 3,014.72 2,654.70 2,401.45
135,000 12,026.19 6,386.49 4,516.24 3,588.30 3,037.22 2,674.51 2,419.37
136,000 12,115.27 6,433.79 4,549.69 3,614.88 3,059.72 2,694.32 2,437.29
137,000 12,204.35 6,481.10 4,583.15 3,641.46 3,082.22 2,714.13 2,455.21
138,000 12,293.44 6,528.41 4,616.60 3,668.04 3,104.72 2,733.94 2,473.13
139,000 12,382.52 6,575.72 4,650.05 3,694.62 3,127.21 2,753.75 2,491.05
140,000 12,471.60 6,623.02 4,683.51 3,721.20 3,149.71 2,773.57 2,508.97
141,000 12,560.68 6,670.33 4,716.96 3,747.78 3,172.21 2,793.38 2,526.89
142,000 12,649.77 6,717.64 4,750.41 3,774.36 3,194.71 2,813.19 2,544.82
143,000 12,738.85 6,764.95 4,783.87 3,800.94 3,217.21 2,833.00 2,562.74
144,000 12,827.93 6,812.25 4,817.32 3,827.52 3,239.70 2,852.81 2,580.66
145,000 12,917.02 6,859.56 4,850.78 3,854.10 3,262.20 2,872.62 2,598.58
146,000 13,006.10 6,906.87 4,884.23 3,880.68 3,284.70 2,892.43 2,616.50
147,000 13,095.18 6,954.17 4,917.68 3,907.26 3,307.20 2,912.24 2,634.42
148,000 13,184.26 7,001.48 4,951.14 3,933.84 3,329.69 2,932.05 2,652.34
149,000 13,273.35 7,048.79 4,984.59 3,960.42 3,352.19 2,951.87 2,670.26
150,000 13,362.43 7,096.10 5,018.04 3,987.00 3,374.69 2,971.68 2,688.19
Note:
1. The amount shown is based on promo rate, for application approved with Personal Smart Shield (PSS) and for selected credit
criteria
2. This financing is based on reducing balance, daily rest method
3. Approved rate is final, subject to credit underwriting
4. Current standard base rate is 2.25%
Range Tier Spread
RM2K - RM15K 1 SBR + 19.25%
RM16K - RM50K 2 SBR + 16.25%
RM51K - RM99K 3 SBR + 13.25%
RM100K - RM150K 4 SBR + 10.25%
5. This payment table is for reference only
6. Campaign pricing ending 31/12/2022

updated 1/8/22_SPF02_SPFP02