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Hartani-i (Tawarruq)

Hartani-i provides financing facility to the Government Servant and Private Sector Employees for the purpose to purchase and developing 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 or;
  • Auctioned by Bank Pertanian Malaysia Berhad (BPMB).
  • 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.




Product Details

Financing Limit Margin of financing up to 100% based on applicant’s 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 Rates As low as 6.10% p.a on monthly rest basis*
*Subject to terms & conditions

Note: The bank will send at least 21 days notice to customers before any change is made to the fees and charges.

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 ; Fix gross salary including 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 must be at a stable rate.


Guarantor / Collateral requirement

  • Collateral / guarantee apply. A land shall be taken as collateral. However, if the collateral value is insufficient, additional collateral shall be taken and/ or the customer shall provide a guarantor.

Fee & Charges

Stamping Fees As per the Stamp Act 1949 (Revised 1989).
Legal & Disbursement Fees Include solicitor’s 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 send at least 21 days notice to customers before any change is made to the fees and charges.