Retail Loans Fees & Charges

Effective Date : 10 July 2025

Description/ Services

Fees & Charges

(subject to Government tax, if applicable)

Set Up fee

(applicable  for loan for the purchase of housing / property only)

 

Loan amount

One-time fee of

Up to RM30,000

RM50

RM30,001-RM100,000

RM100

Above RM100,000

RM200

Monthly Maintenance Fee

(applicable to Flexi Housing Loan)

RM10 per month

Redemption Statement

(applicable  to Housing Loan / Flexi Housing Loan )

RM50 per request

Letter of confirmation for EPF withdrawal

RM20 per request

 

Retrieval / photocopy of security documents

RM25 per document per copy

 

Certified documents/signature verification for Bank of China’s overseas branch

RM200 per request

 

Ad-hoc duplicate loan statement request

RM2 per page, irrespective of the period

 

Late Payment Charges

(not applicable to Overdraft)

1.00% per annum on the amount in arrears

 

Commitment Fees

(applicable to Overdraft facility)

1.00% p.a. will be charged on the unutilized amount for Overdraft facilities exceed RM250,000

Excess Fees

(applicable to Overdraft facility)

1.00% per annum on the excess utilized amount

 

Stamp Duty

As per Stamp Duty Act 1949 (revised 1989)