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    Margin of Financing & Maximum Duration

    Margin of Financing and Maximum Duration:

    Passenger Vehicles

    Age of Vehicles Maximum Margin of Financing Maximum Duration
    New Up to 90% Up to 108 months
    Up to 3 years Up to 90% Up to 108 months
    Above 3 to 8 years Up to 90% Up to 84 months
    Above 8 to 9 years Up to 85% Up to 72 months
    Above 9 to 10 years Up to 85% Up to 60 months
    Above 10 to 12 years Up to 80% Up to 36 months

    Commercial Vehicles (with BDM not exceeding 5000kg)

    Age of Vehicles Maximum Margin of Financing Maximum Duration
    New Up to 85% Up to 84 months
    Up to 8 years Up to 80% Up to 60 months

    Commercial Vehicles (with BDM exceeding 5000kg)

    Age of Vehicles BDM (kg) Maximum Margin of Financing Maximum Duration
    New Above 5,000 kg to 10,000 Up to 80% Up to 60 months
    New Above 10,000 Up to 75% Up to 60 months
    Up to 5 years Above 5,000 to 10,000 Up to 75% Up to 48 months
    Up to 5 years Above 10,000 Up to 70% Up to 48 months
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    • Public Islamic Bank Berhad reserves the right to vary the terms & conditions at our absolute discretion.
      

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