RHB Easy-Pinjaman Ekspres is a easy personal loan which comes with on-the-spot approvals and carries no hidden fees or charges. The loan provides for low repayment amounts and flexible loan tenures.
The interest on RHB Easy-Pinjaman Ekspres loan is calculated on a flat rate, and will vary as per the repayment tenure from 12 months onwards. The interest rate is based on tier system and starts from 8.18% p.a. You will be charged the interest upfront on the approved loan amount.
|Category||Minimum (RM)||Maximum (RM)||Effective Interest Rate p.a.||Flat Interest Rate p.a. 12 Months||Flat Interest Rate p.a. 24 Months||Flat Interest Rate p.a. 36 Months||Flat Interest Rate p.a. 48 Months||Flat Interest Rate p.a. 60 Months|
|Fee Details||Fees & Charges|
|Processing Fee||No charges for approved loans.|
|Disbursement Fee||No charge.|
|Late Payment Fee||(1%) p.a. of payment in arrears due Calculated on daily basis until arrears paid in full.|
|Early Termination Fee||RM200 when loan is fully settled within first 6 months.|
|Stamp Duty||As per Stamp Duty Act 1949 (Revised in 1989)|
Self Employed Applicants
Commission Earning Applicants
Q. Where can I get assistance with regard to my loan application and repayment?
A. You can visit the RHB website or any RHB Easy Outlet. You can also call easy rhb customer service 03-9206 8118 for any queries regarding loan application. You should contact the RHB Bank if you have any problems or difficulties in making repayments.
Q. Do I need any insurance coverage to for this loan?
A.A. You can opt for either Personal Smart Shield (PSS) or Easy-Insurans Kasih Income Aid (EIKIA) when you apply for this loan. These are optional insurance policies available along with the loan.
Q. What if my contact details change?
A.A. You need to inform the bank immediately of any changes so that the bank can send your notifications on time to the right place. You can call the customer care number at 03-9206 8118 to update your contact details.
Q. What happens if I fail to make my repayments on time?
A.A. You may have to pay a late payment fee if you fail to pay your monthly instalment on time. If you fail to pay 3 consecutive monthly instalments, then the bank may increase the financing rate. The bank may also take legal action against you that will cost you extra charges, and affect your credit rating.
Q. Can I pay more than the required monthly instalment amount?
A.A. Yes. The extra amount you pay will be considered as an advance payment. If your advance payments are sufficient enough to cover your monthly repayment amount, then your monthly due date will be scheduled to a later date.