Although this Website may be linked to other websites, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked website, unless specifically stated herein.

You should carefully review the legal statements and other conditions of use of any website which you access through a link from this Website. Your linking to any other off-site pages or other websites is at your own risk.

Website may use cookies to personalize and facilitate maximum navigation of the User by this site. The User may configure his / her browser to notify and reject the installation of the cookies sent by us.

Website may use cookies to personalize and facilitate maximum navigation of the User by this site. The User may configure his / her browser to notify and reject the installation of the cookies sent by us.

Although this Website may be linked to other websites, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked website, unless specifically stated herein.

You should carefully review the legal statements and other conditions of use of any website which you access through a link from this Website. Your linking to any other off-site pages or other websites is at your own risk.

Website may use cookies to personalize and facilitate maximum navigation of the User by this site. The User may configure his / her browser to notify and reject the installation of the cookies sent by us.

There are two products on offer:

• Ar-Rahnu Prihatin
• Ar-Rahnu Prima

Please view the LINK for more information on product offerings

Blending the principles of Shariah, we combine the concepts of Ar Rahnu, Tawarruq, Al Wadiah and Profit rate.

Ar Rahnu: To make an asset as collateral/guarantee to the financing.

Tawarruq concept: Sale and purchase of assets with deferred payment, followed by resale for cash

Al Wadiah: Secure storage of valuables with guaranteed safety.

Profit rate: Charged based on the actual collateralized gold value

• Shariah-compliant financing
• Quick and simple process
• Takaful coverage for pawned items
• Fixed and competitive rates until redemption
• Competitive gold value

• Citizen/non-citizen
• Members of Koperasi Tentera / Civilians 18 years and above 
• Mental competency

he pawning period offered is one (1) year, with the condition that the mortgagor make a profit-rate payment for the first six (6) months of the mortgage period. If no payment is made, the auction may continue after giving adequate notice.

• Gold Quality 999
• Gold Quality 950
• Gold Quality 916
• Gold Quality 875
• Gold Quality 835

Owners can make financing payments in installments or all at once.

Pay the Financing amount including all charges applied to Pawning customer and Profit Rate on the payment date set in the contract.

Please reach out to customer service for full details

Yes, we will. 

• Notice 1: Sent 30 days before the maturity date.
• Notice 2: Sent 15 days before the maturity date.
• Notice 3: Sent 14 days after the maturity date.
• Last Notice: Sent at least 21 days after the maturity date. Please note that charges will apply for these notices, and all correspondence will be sent via post to the registered address.

Failure to redeem within the mortgage leads to a goods auction.

• If you fail to redeem the pledged item within the period prescribed funding, or death or permanent disability occurs or the mortgagor is declared bankrupt, then Ar RahnuKT has the right to execute the auction of the pawned goods in accordance with the procedure of sale or auction. 
• Proceeds from the sale or auction will be used to pay the amount owed, the sale or auction costs, and related costs. The rest can be claimed as soon as you receive the auction surplus notice.
•  However, if the auction proceeds are not sufficient to cover the costs related and pay the arrears amount, then legal action will be taken against any party involved.

Not for this particular product.

Please notify the branch of any changes to your details to ensure effective communication

For more information, inquiries, or feedback on our latest products and services, please contact our Call Center at 03-2303 0000 or the nearest KT branch.

Although this Website may be linked to other websites, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked website, unless specifically stated herein.

You should carefully review the legal statements and other conditions of use of any website which you access through a link from this Website. Your linking to any other off-site pages or other websites is at your own risk.

Website may use cookies to personalize and facilitate maximum navigation of the User by this site. The User may configure his / her browser to notify and reject the installation of the cookies sent by us.

Although this Website may be linked to other websites, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked website, unless specifically stated herein.

You should carefully review the legal statements and other conditions of use of any website which you access through a link from this Website. Your linking to any other off-site pages or other websites is at your own risk.

Website may use cookies to personalize and facilitate maximum navigation of the User by this site. The User may configure his / her browser to notify and reject the installation of the cookies sent by us.