Cash woes? A personal loan to the rescue!

    Agrobank Hartani-i Personal Loan

    The Agrobank Hartani-i Personal Loan is offered by the Bank Pertanian Malaysia Berhad (Agrobank) for agricultural purposes. Agrobank specializes in providing finance and banking services for the agricultural sector.


    Profit Rate (p.a.) (BR) + 3.60% p.a.
    Loan Tenure Utpo 20 years
    Min. Loan Amount RM5000
    Debt Consolidation No
    Islamic/Conventional Islamic
    Takaful Coverage Mandatory
    Min. Monthly Income RM2,000

    Top Reasons to take a Agrobank Hartani-i Personal Loan

    • You can get up to 90% financing based on your eligibility.
    • You can get loan tenure up to 20 years or until you are 60 years old at the time of the loan maturity date, whichever is earlier.
    • You get to enjoy a profit rate up to base rate (BR) + 3.60% p.a. on monthly rest basis which depends on your approved loan amount and your credit evaluation.
    • You are eligible for this personal loan if you work for the government or for any private sector organisation.
    • You can get a rebate (Ibra’) if you settle your loan fully before its maturity date.

    Fees and Charges

    You can find the fees and charges associated with this loan explained in a table below:

    Fee Type Charges
    Stamp Duty As per Stamp Duty Act 1959 (Revised 1989).
    Legal or Disbursement Fees Includes legal fees for land search, registration of charge, financing documents, bankruptcy search and other relevant charges.
    Brokerage Fees RM50 for every successful Tawarruq transaction (subject to 6% GST)

    Eligibility Criteria

    • Nationality Criteria:
    • You need to be a Malaysian citizen and reside in Malaysia
    • Age Criteria:
      • Minimum age is 21 years.
      • Maximum age is 60 years.
    • Income Criteria:
      • Government Employees – You need to earn a gross salary of minimum RM1,500 per month including any fixed allowances.
      • Private Sector Employees – You need to earn a gross salary of minimum RM2,000 per month including any fixed allowances.
      • Others – You need to have stable monthly income.

    How to Apply for Agrobank Hartani-i Personal Loan?

    You need to contact Agrobank to apply for this personal loan. The number to call is 1 300 88 2476.

    You can complete an online service request available on A bank representative will call you as early as possible to carry the process forward.


    Q. Are there any rules or restrictions on the agricultural land that I can purchase with this personal loan?

    A. Yes, Agrobank has certain restrictions in place with regards to the agricultural land. You can buy agricultural land directly from the vendor or through a public auction. You can also buy land that is auctioned by Agrobank. The land that you can purchase should have individual title or it has to be subdivided. You can also purchase land on which an individual title is to be issued.

    Q. Can I apply for this loan if I am 60 years old as the age criteria mentions 21-60 years?

    A. No. You cannot apply for this personal loan if you are 60. 60 years is the maximum cut-off age for the loan maturity date not the loan application date.

    Q. Can everyone get loan tenure up to 20 years?

    A. No. The age restriction explained above also affects the loan tenure period. It is either loan tenure of 20 years or age of 60 years that is applicable on this loan whichever comes earlier. For example, if you are 50 years old and eligible for this loan, you can only get loan tenure up to 10 years. However, you can get loan tenure up to 20 years if you are eligible for the loan and aged 40 years old or below.

    Q. Is a Takaful coverage compulsory to be eligible for this loan?

    A. Yes. You need to have Takaful coverage to get this loan approved. Agrobank has a panel of Takaful operators who can help you with a coverage plan. Agro bank will accept a Takaful operator of your choice as well even if the operator is not listed on the bank panel.

    Q. Is it mandatory to present a guarantor or collateral to get this personal loan?

    A. Yes. The bank would take land as collateral to grant this loan. If the collateral value is not sufficient, then the bank would ask you for additional collateral and/or a guarantor.

    Q. What am I required to do once the loan is granted to me?

    A. You have to pay the instalment amount on or before the 1st of each month. You have to pay for Takaful coverage. You have to execute akad for Tawarruq transaction. You have to bear any other payments or costs related to your approved loan.

    Q. What would happen if I am not able to repay the loan?

    A. If you are not able to make the monthly instalments on time or if you default on the loan, then the bank will take or foreclose the land you purchased. Additionally the bank can sell that land along with any collateral land provided by you while applying for this loan. The bank may take legal action against you and any guarantor that you presented to get this loan approved.

    Q. What do I need to do if I have any enquiries or complaints?

    A. You can contact the nearest Agrobank for any queries, complaints and updates of your contact information.

    Or you can contact:

    Bangunan Agrobank, Leboh Pasar Besar, Peti Surat 10815, 50726 Kuala Lumpur

    Tel: 1-300-88-2476

    Fax: 603-2691 7790

    Email: [email protected]

    This Page is BLOCKED as it is using Iframes.