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Hartani-i (Tawarruq)

Hartani-i provides financing facility to Government/ Private Sector Employees and Stable Income Earners for the purpose to purchase agriculture land based on the Tawarruq transactions.


Purchase of land includes;

  • Direct purchase from the vendor or through public auction or;
  • Purchase of land that will be auctioned by Bank Pertanian Malaysia Berhad (BPMB)/Agrobank
  • The Bank will only consider the financing if the land to be purchased has the individual title or;
  • The land has been sub-divided and/or the land which individual title is to be issued


Download Product Disclosure Sheet




Product Details

Financing Limit Margin of financing up to 90% based on applicants eligibility limit
Financing Tenure Maximum financing period is 240 months (20 years) or until the age of 60 years on the maturity date of the financing (whichever is earlier)
Profit Rate Up to Base Rate (BR) + 3.60% p.a. on monthly rest basis
*Subject to Margin of Financing and customers credit evaluation

Eligibility Criteria

  • Malaysian citizen and lives in Malaysia
  • Age 21-60 yrs (on the maturity date of funding)
  • Employees of government / private sector
  • For the government sector  - Gross salary including fixed allowances not less than RM 1,500.00 / month
  • For the private sector - Gross salary including fixed allowances not less than  RM 2,000.00 / month
  • For individuals other than these two categories , monthly income shall be stable


Guarantor / Collateral requirement

  • Land shall be taken as collateral. However, if the value of collateral is insufficient, additional collateral and/ or guarantor is required

Fee & Charges

Stamping Fees As per the Stamp Act 1949 (Revised 1989).
Legal & Disbursement Fees Include solicitors fees for financing documentation, registration of charge, land search and bankruptcy search and others related charges.
Brokerage Fee Brokerage fee for every successful Tawarruq transaction is at RM50 (Subject to 6% GST).

Note : The bank will notify at least 21 days notice before any changes made to the fees and charges





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