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    AFFIN Smart Money

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    AFFIN Smart Money


    Features

    Financing Margin

    Up to 100% of your secured fixed deposit amount

    Interest Rate

    Standardised Base Rate (SBR) + 1.70% per annum

    Financing Amount

    • 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

              Collateral

              AFFIN Fixed Deposit lien to AFFIN BANK/AFFIN ISLAMIC BANK with same value or more than the facility amount.

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              Benefits

              Overdraft against Fixed Deposit

              Raise emergency money with your AFFIN BANK Fixed Deposit without breaking it.

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

              Eligibility

              Malaysians aged 18 and above

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