Frequently Asked Questions

MaybankInvest-i Share Trading

1. What is Maybankinvest-i?

There is a growing demand for Islamic financial products and services. As the bank who knows you better, we have developed this facility to meet the varied needs of our customers.Maybankinvest-i is a Share Trading/Margin Financing package from Maybank that is based on the Syariah principles of Murabahah (cost-plus sale). Under this package, we agree to finance your share trading activities in approved Syariah counters listed in Bursa Malaysia.

2. What are the features and benefits of Maybankinvest-i?

  1. It is based on Syariah principles of Murabahah.
  2. Based on an overdraft facility, it is to fulfill customers' needs in share trading/financing based on Syariah principles.
  3. No commitment fees will be charged on the unutilised amount.
  4. The effective rate is on par with the conventional version.
  5. The rate will be capped at the Selling Price rate (ceiling rate), thus customers are spared from fluctuating Base Lending Rates (BLR) over the Selling Price rate.
  6. Customers can trade through Maybank2u.com, the first Online Internet Portal in Malaysia.

3. Who is eligible to apply for Maybankinvest-i?

Individuals aged 21 to 65 years, irrespective of race or religion.

4. Is Maybankinvest-i open to all counters on Bursa Malaysia?

It is open to all acceptable Syariah approved counters.

5. What is the minimum financing amount a customer can apply under Maybankinvest-i?

The minimum financing amount is from RM50,000

6. What is the tenure of the financing?

The financing period is between 1 to 5 years. You can request for the facility to be rolled over after the expiry period.

7. What are the collateral acceptable for Maybankinvest-i?

Facility Types of CollateralFinancing LimitTrading LimitTotal Trading Limit
Margin
Trading
Approved Syariah shares 1.5 X 1.0 X 2.5 X
GIA and FD 2.5 X 1.0 X 3.5 X
Landed property 1.5 X 1.0 X 2.5 X
Non-Margin
Financing
Approved Syariah shares 0 2.0 X 2.0 X
GIA and FD 0 3.0 X 3.0 X
Landed property 0 2.0 X 2.0 X

8. What profit rate will be charged to the customer if the BLR goes up?

The rate charged will be the effective rate or Selling Price rate (ceiling rate), whichever is lower. i.e the current ceiling rate is 75% (BLR + 6.75%). Thus, if the BLR goes up, the effective rate will be capped at 10.75%.

9. How would I know if the counter traded in Maybankinvest-i is a Syariah approved counter?

Only Syariah approved counters will be accepted by our Share Trading System.

10. Who shall I call if I require further details?

You may enquire from the following channels:

  1. Maybank2u.com
  2. Share Investment Centre (SIC)
  3. Cawangan Perbankan Islam (CPI)
  4. Sales & Service centre (SSC)

11. Will I earn any return on my savings in the Premier Maybank Account-i?

Yes, you will be paid dividend based on the existing rates.