Graduates Scheme Bank Islam

Vehicle Financing-i GradHitz is based on Murabahah (Murabahah to the Purchase Orderer “MPO”), Customer can enjoy 100% financing at a really affordable rate as well as our flexible repayment period.


Margin of Financing : Up to 100% of the OTR price for national, 

non-national, and unregistered reconditioned models

Financing Tenure : Up to 9 years Financing 

Rate Vehicles Rates

National Vehicles : From 3.00% to 3.60% per annum
Non National Vehicles : From 2.90% to 3.35% per annum 


  • Age of applicant between 20-30 years old
  • Shall be a graduate with a minimum qualification of Diploma from accredited universities/higher learning institutions
  • Status of employment shall be on permanent or contract basis for an employee in any of the following:-
    • Government and Semi Government sector
    • Selected Public Listed Companies
    • Government Link Companies (GLC)
    • Other prominent Private Limited Companies as categorized under package companies listed by Bank Islam
  • Fixed income earner

 Documents Required

  1. Photocopy of Identity Card (front and back)
  2. Photocopy of Valid Driving License
  3. Photocopy of Scroll or Transcript
  4. Photocopy of Latest 3 months Salary Slip; and
  5. Copies of latest 3 months Bank Statement (Salary Crediting Account); or
  6. Latest EPF Statements/EA Forms
  7. Other Supporting Documents as may deemed necessary and acceptable by the Bank for additional income


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Gradhitz Scheme 
Graduates Scheme

Gradhitz Scheme 

Graduates Scheme