Credit / Loan | Rates & Charges

No.

Type of Charges

Amount

Dun and Bradstreet (D&B) Trade checking on drawee of large trade bills exceeding RM200,000.00

RM75.60 per unit (charges by D&B - including Service Tax) plus RM15.00 reimbursement cost per request

Note: Applicable to Corporate Borrowers only

Cheque honoured resulting in Temporary Overdraft (TOD) or Temporary Excess Overdraft (TEOD)

RM150.00 per cheque honoured

(subject to a maximum of RM750.00 per customer per day i.e. 5 Cheques per day)

Reimbursement cost for site inspection of project to support drawdown of bridging loan

RM216.00 (including Service Tax) for each progressive release (applicable for Non-SME / Corporate Bridging Loan Borrower only)

Redraw facility

RM18.90 (including Service Tax) for each successful redrawal transaction (applicable for over-the-counter requests and online requests, which are manually handled by Public Bank)

Specific request for

Change in credit terms and conditions (except for the request to insure property(ies) charged to the Bank by Non-Panel of Insurers / Impaired Loans and / or Restructuring and Rescheduling cases)
Reinstatement of Fixed Loans or Term Loans which have been paid down

RM162.00 (including Service Tax) per approved request

Request for Redemption / Settlement Statement for the purpose of partial/full settlement of Property Loans

Housing Loan (Individual)
Commercial Loan (Individual, Business or Company)
(with effect from 01 March 2017)

RM54.00 (including Service Tax) per request
RM54.00 (including Service Tax) per request

Confirmation / Statement issued to housing loan customers for EPF withdrawal

RM21.60 (including Service Tax)

Early Settlement Fee

Loan amount of RM200,000 and below – An early settlement fee of 3% on the approved loan amount will be imposed if the Commercial Loan is fully settled / redeemed / cancelled within the first 3 years (36 months) from date of first drawdown.
Loan amount above RM200,000 – An early settlement fee of 2% on the approved loan amount will be imposed if the Commercial Loan is fully settled / redeemed / cancelled within the first 3 years (36 months) from date of first drawdown.
For Commercial Loan which is still under progressive release, the computation of the settlement fee shall also be based on the approved loan amount.

Note: Applicable to Corporate Borrowers only

Monthly Maintenance fee for HomeSave / ShopSave Loan Account

RM10.80 (including Service Tax)

Retrieval of Loans and Securities Documents in Bank's Custody

RM21.60 (including Service Tax) per request (with effect from 28 September 2018)

Disbursement Charges for Loans under Contract Financing

RM270.00 (including Service Tax) per loan release

CDS handling charge on facilities secured by stocks and shares debited to the account

0.25% p.a. with a minimum charge of RM50.00

Withdrawal fees on facilities secured by stocks and shares

0.05% based on market value subject to a minimum RM5.00 and maximum RM1,000.00 (except for settlement of account)

Cancellation Fee

RM2,000.00 levied on property loans in the event that the approved facilities are cancelled prior to the disbursement of facilities.

Note: Applicable to Corporate Borrowers only

Processing / Upfront Fee for loan/financing applications are as follows:

Type	Processing Fee Chargeable
Purchase of Commercial & Industrial Property under SWIFT Plan (excluding land financing, personal loan and working capital financing)	RM216.00 (including Service Tax)
	Upfront Fee Chargeable
Facility(ies) Secured by All Types of Land (excluding Bridging Loan)	0.108% - 0.216% (including Service Tax) of total financing amount subject to a minimum of RM540.00 (including Service Tax)
Bridging Loan	0.216% (including Service Tax) of total financing amount subject to a minimum of RM3,240.00 (including Service Tax)

Commitment fee of 1.00% p.a. shall be levied on the undrawn portion of the overdraft, revolving credit and overdraft / fixed loan limit under Bridging Loan

Ad hoc request for physical statement of loan/financing account

RM9.72 (including Service Tax) per request (for one year statement cycle)
Additional RM0.54 (including Service Tax) for each subsequent year statement cycle