With i-3P, you can purchase or refinance business premises and at the same time secure working capital for your business growth.
- For commercial or industrial premise
- Working Capital
- 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*.
|Premise||Commodity Murabahah Term Financing-i (CMTF-i)|
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.|
- Minimum RM100,000
|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.|
- Up to 10 years
|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|
- Charge/Assignment on the property
- Joint and several guarantees of directors/shareholders
Download Pembiayaan Premis Perniagaan (i-3P)
i-Pembiayaan Premis Perniagaan Brochure
Product Disclosure Sheet