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About Ar-Rahnu@POS

Services offered:

AR-RAHNU

> This scheme provides cash financing to everyone who needs instant cash based on Syariah pawn broking principles.
> All items are fully insured.

AR-RAHNU SIMPAN

> This scheme provides secured gold safekeeping services to everyone as alternative to safe deposit box.
> All items are fully insured.

ELIGIBILITY

> Malaysian citizen (muslim & non-muslim)
> Permanent Resident
> Foreigners with the valid passport
> 18 years and above

FINANCING MARGIN

Ar-Rahnu

> Financing of up to 75% from appraised value (marhun).
> Financing amount shall not exceed RM30,000 per person per day and maximum total accumulated financing is RM100,000 per person.

Ar-Rahnu Simpan

> Safe keeping services only. (No financing)

TENURE

Ar-Rahnu

> Financing Tenure : 6 months.
> Extension : Extension of 6 months after settlement of outstanding safe keeping fees.

Ar-Rahnu Simpan

> Tenure : From 1 month up to 1 year.

ACCEPTED COLLATERALS

Ar-Rahnu

> We accept all kinds of yellow gold jewelleries ranging from 18K to 24K. (type of gold : 750, 835,875, 916, 950, 999)
> All stones weight will be deducted from the total jewelleries weight.
> Only Pamp Suisse Minted Bar & Public Gold up to 100 grams wafer are accepted.

Ar-Rahnu Simpan

> We accept all kinds of yellow gold items ranging from 9K to 24K.

SAFE KEEPING FEES

Ar-Rahnu

> The monthly safe keeping fee is fixed at a competitive rate of RM0.75 for every RM100 marhun. (appraised value)

Ar-Rahnu Simpan

> The safekeeping fee is fixed at RM0.65 for every RM100 marhun. (appraised value) and its must be paid in advance.

AUCTION FEES

Ar-Rahnu

> When collateral is not redeemed upon expiry, the item will be auctioned at prevailing gold price.
> Ar-Rahnu@POS will charge an administrative fee from the auctioned item.
> The excess from the auction proceeds will be refund to the rightful owner.

Ar-Rahnu Simpan

> Not applicable.

LATEST SERVICES!

> Gold Cleaning Service for only RM2.00 per item.
> Free Gold Appraisal for Zakat.