• High Margin of Financing
    Enjoy a higher loan amount
  • Competitive Dividend Returns
    Enjoy competitive dividend returns throughout your loan tenure
  • Secure Future Financial Plan
    Forward your financial plans with us
  • Affordable Repayment Schemes
    Get flexible and affordable monthly repayments
  • Optional Insurance Coverage
    Get covered with RHB Insurance

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  • Product Features

    Joy@Work Packages Inclusive of GRTT / GRTA

    • Minimum RM20,000 to RM60,000: BR+1.20 i.e. 3.70%
    • RM61,000 to RM100,000: BR+1.15 i.e. 3.65%
    • RM101,000 to RM200,000: BR+1.05 i.e. 3.55%

    Inclusive of GRTT / GRTA

    • Minimum RM20,000 to RM60,000: BR+1.25 i.e. 3.75%
    • RM61,000 to RM100,000: BR+1.20 i.e. 3.70%
    • RM101,000 to RM200,000: BR+1.10 i.e. 3.60%

    Non Inclusive of GRTT / GRTA

    • Minimum RM20,000 to RM60,000: BR+1.30 i.e. 3.80%
    • RM61,000 to RM100,000: BR+1.25 i.e. 3.75%
    • RM101,000 to RM200,000: BR+1.15 i.e. 3.65%


    Term Financing
    40 years or up to age 65; whichever is earlier, subject to entry age of 60 years old

    Minimum tenure : 5 years

    Overdraft (OD)
    Yearly review and payable on demand
    FINANCING AMOUNTTerm Financing
    Minimum - RM20,000
    RM200,000 or up to maximum investment limit determined by ASNB / PNB
    MARGIN OF ADVANCE (MOA) TF FOR ADDITIONAL / NEW ASB INVESTMENTUp to 100% or up to 100% + 5% (if with GRTA/GRTT/CLTA premium financing)
    TF/OD FOR BUSINESS CONSUMPTION ON UNENCUMBERED ASB / ASW 2020 CERTIFICATEMin - Depending on 95% Margin of Advance of ASB / ASW 2020 certificate value
    OD FOR PERSONAL CONSUMPTION ON UNENCUMBERED ASB / ASW 2020 CERTIFICATEMin - Depending on 67% Margin of Advance of ASB / ASW 2020 certificate value
    INSURANCEOptional, financed by Bank
    MODE OF REPAYMENTStanding Instruction

    Term Financing
    RM50 per certificate

    OD against ASB / ASW 2020
    RM100 per certificate
    INSURANCE / OTHER CHARGESRM10 for Letter of Offer
    COMMITMENT FEE1% per annum on the unutilized portion of the overdraft facility for amount above RM250,000
    • Photocopy of identity card

    Income Documentation by Employment Type Salaried Earners

    • Latest three (3) months salary slip;OR
      Latest three (3) months crediting bank statement;OR
      Latest interim EPF statement(Minimum 6 months contribution)
    • Letter of certification of employment or letter of confirmation from employer stating salary/allowances is mandatory if service of employment is less than six (6) months

    Self-Employed / Own or Partnership Professional Practices

    • Business Registration (Form A / B for Sole Proprietorship / Partnership); Business License (Form D), Current & Valid professional practice certificate issued by relevant competent body (for Professional Practices);OR
      Trading License (for East Malaysia);OR
      Local Council License;OR
      Borang 24 and Borang 49 (for Sdn Bhd);AND
    • Latest six (6) months Personal or Company's Bank Statement;OR
      Latest Borang B / BE (validated payment receipt of payment to LHDN)

    Commission Earners

    • Latest six (6) months salary slips/commission statements;AND
    • Latest six (6) months crediting bank statements;OR
      Latest Borang BE (validated payment receipt of payment to LHDN);

    Term Financing

    For full repayment of the outstanding ASB/ASB 2 Financing made within the first 2 years from the date of loan disbursement, an exit fee as penalty / compensation to the bank based on the difference between the ASB/ASB 2 Board Rate and the Promotion / Special rate is chargeable. The calculation of the exit fee is as follows:

    Exit Fee = [(a-b)/100] x c x (d/365)

    • a = ASB/ ASB 2 Board Rate
    • b = ASB/ASB 2 Promotion/Special Rate*
    • c = Original Financing Amount
    • d = Number of days with the Bank on this loan agreement

    *Refers to the prevailing ASB/ASB 2 Offer Rate

  • Financing amount minimum RM20,000 and maximum RM200,000
Term and Conditions