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Your Best Choice of Personal Financing

Life is made up of many defining moments, and whether it is to prepare for your wedding, buying a new property or furthering your education, AmMoneyLine / AmMoneyLine Facility-i is your trusted companion in every journey. You can choose from either Cash-Out Plan to get extra cash in hand, or Debt Consolidation Plan to consolidate your debts into a single payment. Don’t wait, apply now to savour the great moments in life.

Cash-Out Plan

  • Low interest / profit rate from 8.00% – 11.99% per annum
 
  • NO guarantor / collateral required
 
  • Payment period of between 12 – 60 months
 
  • High Disbursement Amount – Maximum 10x of your gross monthly income or RM150,000, whichever is lower.
 
  • Get Rewarded For Timely Repayments – Enjoy 5% cash rebate per annum on total interest / profit paid when you make payment on time

Debts Consolidation Plan

  • Simplify your finances by consolidating your credit card and personal loan / financing accounts into ONE account
 
  • Save up to 2% per annum on interest / profit
 
  • Payment period of between 12 – 60 months
 
  • Competitive rate for immediate interest / profit savings
 

 

 

Items Details
Minimum Age 21-60 years old (upon maturity of facility)
Nationality
  • Malaysian citizen; OR
  • Permanent Resident working in Malaysia
Minimum Income Salaried Employees:
  • RM36,000 for existing Bank customers
  • RM60,000 for new to Bank customers
Self Employed:
  • RM60,000 for existing Bank customers
  • RM120,000 for new to Bank customers
Documents Required

To expedite processing, please enclose photocopies of the following documents:

  • Application form
  • Photocopy of NRIC (Front and Back)

  • For Individuals (Fixed Salary Earner):
    • Latest 1 month’s Salary Slip WITH Bank Statement where Salary is credited/Latest EPF statement/ Latest BE Form with corresponding Tax Payment Receipt/Latest EA Form*/Notice of Assessment (NOA); OR
    • Latest 3 consecutive months‘ Salary Slip; OR
    • Latest 3 months’ EPF/CPF statement

    *Applicable for group of Multinational Corporation (MNC), Government Linked Company (GLC), Public Listed Company (PLC) and Financial Institution (FI). Other than above, corresponding income evidence (e.g. Tax Return/e-Filing/bank statement, etc.) must be provided.

  • For Individuals (Fixed Plus Variable):
    • Latest 3 consecutive months’ Salary Slip WITH Bank Statement where Salary is credited/Latest EPF statement/Latest BE Form with corresponding Tax Payment Receipt/Latest EA Form*/Notice of Assessment (NOA); OR
    • Latest 3 months’ EPF/CPF statement

    *Applicable for group of Multinational Corporation (MNC), Government Linked Company (GLC), Public Listed Company (PLC) and Financial Institution (FI). Other than above, corresponding income evidence (e.g. Tax Return/e-Filing/bank statement, etc.) must be provided.

  • Full Commission Earners:
    • Latest 6 consecutive months’ Commission Statement/Statement of Account (SOA); OR
    • Latest 6 consecutive months’ Bank Statement; OR
    • Annual Statement of Commission Earned; OR
    • Latest BE Form with corresponding Tax Payment Receipt

  • Sole Proprietor/Partnership/Company:
    • Latest 6 months company banks statement; OR
    • Latest B/BE Form WITH corresponding tax payment receipt & Latest 1 month company banks statement; AND
    • Form A (For Sole Proprietor)/Form B (for Partnership)/Form 9,24,49 (for Company)
    • Trading License for East Malaysia
Note: Customers who opt in for Bank Negara Malaysia’s (BNM) loan / financing deferment initiative will not be eligible to receive 5% cash rebate per annum on total interest / profit paid. For more information, please refer to our FAQ here.

Your Best Choice of Personal Financing

Life is made up of many defining moments, and whether it is to prepare for your wedding, renovating your house or furthering your education, AmMoneyLine / AmMoneyLine Facility-i is your trusted companion in every journey. You can choose from either Cash-Out Plan to get extra cash in hand, or Debt Consolidation Plan to consolidate your debts into a single payment. Don’t wait, apply now to savour the great moments in life.

CASH OUT PLAN

Created with Lunacy

Enjoy Low Interest / Profit Rate

With ranging from 8.00% - 11.99% per annum

Created with Lunacy

Quick & hassle-free process

With no guarantors / collaterals required

Created with Lunacy

Flexible payment period

Of between 12 – 60 months

10x income

Maximum 10x of your Gross Monthly Income or RM150k whichever lower approval amount

Up To 150k

High disbursement loan/financing amount up to RM150k​

Up To 5% Rebate

Enjoy 5% cash rebate on total interest/profit paid when you make your payment on time

CALCULATOR

Debt Consolidation Plan

Created with Lunacy

All Your Finances In One Go

Simplify your finance by consolidating your credit cards and loans/financing accounts into ONE

Created with Lunacy

Great Savings

With immediate savings on interest

Created with Lunacy

Hassle-free Approval

Better approval as no double count of DSR with minimal document needed

Created with Lunacy

Better Cash Flow

Better cash flow management from ONE account

Created with Lunacy

60 Months

Repayment up to 60 months tenure

Created with Lunacy

Interest / Profit

Competitive rate for immediate interest/profit savings

CALCULATOR

Minimum Age:

21-60 years old (upon maturity of facility)

 

Nationality:

Malaysian citizen; OR

Permanent Resident working in Malaysia

Salaried Employees:

   RM36,000 for existing Bank customers

   RM60,000 for new to Bank customers

 

Self Employed:

   RM60,000 for existing Bank customers

   RM120,000 for new to Bank customers

Application form
Photocopy of NRIC (Front and Back)

 

For Salaried Employee:

 

Fixed Salary Earner
i. Latest 3 months’ salary slips + latest 3 months’ bank statements of which salary is credited + latest BE Form with tax payment receipt; OR
ii. Latest 3 months’ EPF statements

 

Commission Earner & Variable Income Earner:
i. Latest 6 consecutive months’ commission statement / statement of account + latest 6 consecutive months’ of which income is credited + latest BE Form with tax payment receipt; OR
ii. Latest 3 months’ EPF statements

 

For Self Employed:

 

For Sole Proprietor
i. Form A and Form D (Business Registration); AND
ii. Latest 6 consecutive months’ company / personal bank statements & summary of bank statement analysis; OR
iii. Latest BE & B Form with tax payment receipt + latest 1-month company bank statement; OR
iv. E-Filing acknowledgment receipt + latest 1-month company bank statement

 

For Partnership
i. Form B and Form D (Business Registration)
ii. Latest 6 consecutive months’ company bank statements & summary of bank statement analysis; OR
iii. Latest BE & B Form with tax payment receipt + latest 1-month company bank statement; OR
iv. E-Filing acknowledgment receipt + latest 1-month company bank statement

 

Company
i. Form 9 – certificate of incorporation of private company
ii. Form 24 – return of allotment of shares
iii. Form 49 – notification of change in the registration of director, manager and secretary
iv. Constitution of a written confirmation duly signed by director(s) confirming that the company does not have Constitute (formerly known as Memorandum & Articles of Association)
v. Notification of change in registered address (formerly known as Form 44, if applicable)
vi. Latest 6 consecutive months’ company bank statements & summary of bank statement analysis; OR
vii. Latest BE & B Form with tax payment receipt + latest 1-month company bank statement;
viii. E-Filing acknowledgment receipt + latest 1-month company bank statement

Frequently Asked Questions

• AmMoneyLine/ AmMoneyLine Facility-i is an unsecured Personal Loan/Financing which requires NO collaterals or guarantors.
• This product has a fixed monthly payment schedule and is available under both conventional and Islamic banking.
• Customers can select from two programs below:
   (i) Cash Out Program
   (ii) Debts Consolidation Program

• Malaysian

• Age 21 to 60 (at maturity). E.g.: If the applicant is 56 years old, he/she can only apply for a loan/financing tenure of not more than 4 years.

* Terms and Conditions apply.

5% YEARLY cash back/rebate for prompt paymaster.

No.

0.5% of total loan/financing disbursed amount for both conventional and Islamic product.

Interest / profit rate is based on Employment Type and Financing Amount. It ranges from 8.00% to 11.99% flat per annum. (EIR/EPR: 14.13% to 21.55%).

* All applications are subjected to credit assessment and approval

Yes. Customer will be notified via SMS if the application is approved. If the approved amount is not within the acceptance range, customer will receive calls from the Bank to inform on approved amount. The Bank will send below letters for approved application:
   -Letter of Disbursement (Upon loan disbursement)
   -Letterof Commencement

• For Cash Out Program, funds will be deposited to customer’s individual AmBank/AmBank Islamic Current or Savings Account/-i.
• For Debts Consolidation Program, funds will be directly payoff to required credit cards or loan/financing account.
• Disbursement is strictly to active and first party account only.
• Disbursement to offset AmBank/AmBank Islamic loan/financing account is not allowed.

Loan/Financing will be approved and disbursed within 72 hours provided full documentation is submitted during application.

1% per annum on monthly instalment or any amount due but remain unpaid.

No early settlement fee/charge but customers are required to give 1 month written notice in advance for early settlement.

All installments are deemed as fixed and no changes are allowed.

•  Yearly statement will be issued in December and delivered via normal mail or email.
•  Yearly statement can also be viewed and downloaded from AmOnline.

• By direct debit standing instruction from AmBank/AmBank Islamic Current or Savings account/-i.

• By using online banking or GIRO fund transfer.

• By cash at any AmBank/AmBank Islamic branches nationwide.

• By cash through AmBank Cash Deposit Machine (CDM) or Automated Teller Machine (ATM).

Yes. Customer need to sign up the standing instruction with the bank that he/she wishes to appoint.

The complete loan/financing details will be stated in both Disbursement and Commencement Letter.

AmMoneyLine

AmMoneyLine Facility-i