Ar-Rahnu Facility-i

This facility provides a source of immediate financing to assist individuals in overcoming short term cash-flow needs.



Under this concept, a valuable item is collateralised to a debt. Collateral asset will be auctioned should the loan and service fees are not paid within the agreed period.


Qard is an interest-free loan where the borrower is only required to repay the principal amount borrowed.


Refer to a contract that transfers ownership of benefit rights (usufruct) or service for a specified period in exchange for a specified consideration. Under this concept, the Bank provides a safekeeping service of valuable item to Customer where the service fee is charged to Customer.


  • Malaysian citizens aged 18 years and above and permanent residents
  • Not bankrupt

Ar Rahnu Service Fees

Ar Rahnu Service Fees will be based as following example:

Gold Value Fee For RM100 Marhun Value / Month
Up to RM2,000 RM0.60
RM2,001 – RM5,000 RM0.70
Above RM5,000 RM0.75

The Ar Rahnu Service Fees will be calculated based on gold value and not the loan amount.

For further information, please call our Contact Centre at 03-8230 2222, or visit the nearest AFFINBANK / AFFIN ISLAMIC branch today.

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Contact Centre
03-8230 2222

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