i-Pembiayaan Premis Perniagaan

 

With i-3P, you can purchase or refinance business premises and at the same time secure working capital for your business growth.

Purpose

  • For commercial or industrial premise
  • Working Capital

Eligibility

  • Business entities under the SME categories (Private Limited Co, Limited Liability Partnership, Partnership, Sole-Proprietor and Registered Cooperatives).
  • The Company has been in operations for at least two (2) years.
  • The Company recorded profit in the latest year.
  • Debt-Service-Coverage-Ratio (DSCR) of ≥ 1.25 inclusive of the new financing installment.
  • Business owner (Individual) with DSCR not exceeding 70% of the net income, including the installment for the new facility*.

Financing Concept

Premise Commodity Murabahah Term Financing-i (CMTF-i)​
Working Capital

Commodity Murabahah Term Financing-i (CMTF-i)​

Commodity Murabahah Revolving Financing  (CMRF-i)

Margin of Financing

Type of Financing
Company / Individual Professional Individual
Up to 150% of the Sign & Purchase Agreement (SPA) or Market Value whichever is lower. Up to 200% of the Sign & Purchase Agreement (SPA) or Market Value whichever is lower.

Financing Limit

  • Minimum RM100,000

Financing Tenure

Premise Financing

Completed Premise Up to 30 years, inclusive of grace period up to 6 months.
Under Construction Premise Up to 30 years, inclusive of grace period up to 36 months.
Individual Application Up to 30 years or up to age of 70 years, whichever is earlier.

 

Working Capital

  • Up to 10 years

Profit Rate

Completed Premise From BFR + 0.0% p.a.
Under Construction Premise From BFR + 0.25% p.a.
Working Capital From BFR + 1.50% p.a

Collateral

  • Charge/Assignment on the property
  • Joint and several guarantees of directors/shareholders

Download Pembiayaan Premis Perniagaan (i-3P)

i-Pembiayaan Premis Perniagaan Brochure
 PDS icon 01

Product Disclosure Sheet

 

OUR OFFERINGS

MySMEBina

MySMEBina

MySMEBina is a financing programme for construction and infrastructure projects awarded by Federal Government, State Government, Government Link Companies (GLCs) and its subsidiaries.
Read More

MySMEBekal

MySMEBekal

MySMEBekal is a complete short term financing programme to supply or maintain the contract awarded by Federal Government, State Government, Government Agencies, Government Link Companies (GLC) and its subsidiaries.
Read More
Supplementary Renewed Facility <br />(i-SURF)

Supplementary Renewed Facility
(i-SURF)

i-SURF is an automatic additional financing of working capital for SME Bank’s existing customers who have collateral of property and / or Sijil Pelaburan Am Mudharabah/ Fixed Deposit charged/ pledged to the bank and have shown good repayment records.
Read More
i-Pembiayaan Premis Perniagaan

i-Pembiayaan Premis Perniagaan

With i-3P, you can purchase or refinance business premises and at the same time secure working capital for your business growth.
Read More
  • MED agensi agensi agensi agensi agensi agensi agensi agensi agensi agensi
  • agensi agensi agensi agensi agensi agensi