AFFIN Smart Money

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AFFIN Smart Money

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Financing Margin

Up to 100% of your secured fixed deposit amount
Maximum subject to the ascribed value of the respective Unit Trust asset class, whichever is lower.

Interest Rate

Standardised Base Rate (SBR) + 1.70% per annum

Financing Amount

For Fixed Deposit Collateral

Minimum: RM10,000
Maximum: Up to 100% of AFFIN Fixed Deposit (FD) value held under lien
Customer can combine several of his/her FD accounts to apply for the preferable facility amount/limit

For Unit Trust Collateral

Minimum: RM10,000
Maximum: Subject to the ascribed value of the respective Unit Trust asset class, whichever is lower.
Customer can combine several of his/her FD accounts to apply for the preferable facility amount/limit

Collateral

AFFIN Fixed Deposit lien to AFFIN BANK/AFFIN ISLAMIC BANK with same value or more than the facility amount.
Selected Unit Trust Funds*

*Please refer to our Sales Representative for latest acceptable listing

Benefits

Overdraft against Fixed Deposit/Unit Trust

Flexibility to access standby credit without breaking your collateral.

Pay for Utilisation

Interest is only payable on utilisation, making it an economical credit line.

Save on Interest

Interest is charged only on utilised amount on daily basis.

Repayment Flexibility

Option to repay in one lump sum or in instalment with no fixed repayment schedule.

No Lock-In Period

No lock-in period is imposed for this facility and no fee will be charged for early settlement before maturity.

Insurance Coverage

Optional Credit Term Assurance/Credit Reduce Term to protect against your overdraft outstanding should unexpected events happen to you.

Malaysians aged 18 and above

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AFFIN Smart Money

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