No Processing Fees and Consumer Product Financing with BIBD At-Tamwil Berhad

With only two months to go until 2021, you deserve a reward for making it through this year, and now with BIBD At-Tamwil Berhad’s on-the-spot approval for Consumer Product Financing available at Progresif stores nationwide, a brand-new device from Progresif might just be the answer. Be sure to hurry for your new phone, we’ll be giving a Processing Fee waiver for one month, making a Progresif store near you the best place to get your next device upgrade.

Read here for Terms & Conditions

FREQUENTLY ASKED QUESTIONS

English

What is on-the-spot BIBD At-Tamwil Berhad Consumer Product Financing?

You can purchase any of our device bundles and convert the device purchase into low monthly instalments and get on-the-spot approval through BIBD At-Tamwil Berhad Consumer Product Financing at all our Progresif stores.

Is there a minimum price for devices to be converted into the BIBD At-Tamwil Berhad Consumer Product Financing monthly instalment?

Devices must be at a minimum of $300.00 to be applicable for BIBD At-Tamwil Berhad Consumer Product Financing.

What is the ‘$60.00 Processing Fee Waiver’ promotion?

You can apply for BIBD At-Tamwil Berhad Consumer Product Financing at any of our Progresif Stores, and if the application is approved, you will be entitled for the processing fee of $60.00 to be waived.

When is the ‘$60.00 Processing Fee Waiver’ promotion period?

The Promotion period runs for one month from 6 November 2020 to 6 December 2020.

Can I apply for on-the-spot BIBD At-Tamwil Berhad Consumer Product Financing at any Progresif store after the promotion period?

Yes, you can apply for on-the-spot BIBD At-Tamwil Berhad Consumer Product Financing at any Progresif stores after the promotion period.

What are the Terms & Conditions and documents needed to apply for the BIBD At-Tamwil Berhad Consumer Product Financing?

BIBD At-Tamwil Berhad Consumer Product Financing Terms and Conditions below apply:

• Open to Government employees
• Salary must be assigned to BIBD

• Minimum salary balance after all payslip deduction, and guaranteeing obligations must not exceed prescribed maximum Total Debt Service Ratio (TDSR) or less than BIBD At-Tamwil Berhad’s minimum Net Income threshold

• Private sector employees are welcomed, subject to terms and conditions
• Payment must be made through Standing Instruction
• Other mandatory conditions are:

i. Applicant must be a person of good character
ii. Must be honest and trustworthy with good past payment track record
iii. Must be a citizen or Permanent Resident of Negara Brunei Darussalam
iv. Must not be a bankrupt individual or blacklisted by any financial institution or organization.

What are the documentations required to apply for BIBD At-Tamwil Berhad Consumer Product Financing?

BIBD At-Tamwil Berhad Consumer Product Financing documentation requirements are as follows:

• Valid Identity Card
• Valid Driving License
• Original copy or quotation from vendor
• Latest 3 months bank statement

In addition to the above, on a case-by-case basis, BIBD At-Tamwil Berhad may require:

i. Employment Contract
ii. Confirmation of assignment of salary to BIBD and
iii. Any other relevant documents

What are the device bundles that are applicable for BIBD At-Tamwil Berhad Consumer Product Financing?
Device
Price
Bundle Plan*
BIBD At-Tamwil Berhad Consumer Product Financing
BIBD At-Tamwil Berhad CPF Financing Tenor
Financing Rate from BIBD At-Tamwil Berhad
OnePlus Nord 8GB + 128GB
$626.00
One Mobile, One Home, One Family, One Bundle, One Family Bundle, Home Unlimited, Copper Bundle and One Office
Yes, but must be with the device bundle (Device and Plan)
Minimum 6 months and maximum of 24 months
8%
Oppo Reno 4 8GB + 128GB
$593.00
Oppo Reno 4 Pro 8GB + 256GB
$842.00
Samsung A31 6GB+128GB
$337.00
Samsung Galaxy Fold 2
$2,788.00
Samsung S20 Ultra 12GB+128GB
$1,507.00
Samsung Galaxy S20+ BTS Edition
$1,388.00
Vivo V19 (8GB + 128GB)
$544.00
Vivo X50 (8GB + 128GB)
$827.00

* BIBD At-Tamwil Berhad Consumer Product Financing is not applicable for the mobile or broadband plans. Upfront payment and any pro-rated amount for the plan is required. BIBD At-Tamwil Berhad Consumer Product Financing is only applicable for devices above $300.00 within the Device Bundle.

Is there a contract for the device bundles?

Yes, you will be contracted for 12- months for the plan you subscribed to.

Can I purchase the device bundle with another payment method?

Yes, you can purchase the device bundle with cash, credit, or debit card, Progresif PAY, QuickPay or through BIBD At-Tamwil Berhad Consumer Product Financing.

Can the devices be purchased as a standalone with BIBD At-Tamwil Berhad Consumer Product Financing?

No, devices can only be purchased as a device bundle with a mobile or Home WiFi plan. This applies for the following devices:

Device
Price
Bundle Plan*
BIBD At-Tamwil Berhad Consumer Product Financing
BIBD At-Tamwil Berhad CPF Financing Tenor
Financing Rate From BIBD At-Tamwil Berhad
OnePlus Nord 8GB + 128GB
$626.00
One Mobile, One Home, One Family, One Bundle, One Family Bundle, Home Unlimited, Copper Bundle and One Office
Yes, but must be with the device bundle (Device and Plan)
Minimum 6 months and maximum of 24 months
8%
Oppo Reno 4 8GB + 128GB
$593.00
Oppo Reno 4 Pro 8GB + 256GB
$842.00
Samsung A31 6GB+128GB
$337.00
Samsung Galaxy Fold 2
$2,788.00
Samsung S20 Ultra 12GB+128GB
$1,507.00
Samsung Galaxy S20+ BTS Edition
$1,388.00
Vivo V19 8GB + 128GB
$544.00
Vivo X50 8GB + 128GB
$827.00

* BIBD At-Tamwil Berhad Consumer Product Financing is not applicable for the mobile or broadband plans. Upfront payment and any pro-rated amount for the plan is required. BIBD At-Tamwil Berhad Consumer Product Financing is only applicable for devices above $300.00 within the Device Bundle.

Yes, for the following devices, which do not come with a 12-month contract:

Device
Price
BIBD AT-Tamwil Berhad CPF Financing Tenor
Financing Rate from BIBD AT-Tamwil Berhad
Apple iPhone 11 128GB
$1,507.00
Minimum 6 months and maximum 12 months
8%
Vivo Y17 128GB
$350.00
Oppo A5 2020 64GB
$350.00
Samsung Galaxy S10E 128GB
$950.00
Vivo S1 Pro
$450.00
Apple iPhone 11 Pro 256GB
$2,296.00
Oppo A9 2020 128GB
$550.00
Vivo V11I 128GB
$550.00
Huawei Nova 5T
$525.00
Oppo F11 Pro
$450.00

* BIBD At-Tamwil Berhad Consumer Product Financing is not applicable for the mobile or broadband plans. Upfront payment and any pro-rated amount for the plan is required. BIBD At-Tamwil Berhad Consumer Product Financing is only applicable for the handsets and devices above $300.00 within the Device Bundle.

What happens if I purchase a device bundle and I have an existing contract with Progresif?

Your contract will be extended with a refreshed 12-Months Contract

Will Consumer Product Financing be available for Online Sales?

Yes. A Progresif representative will reach out to you to guide you through your application.

I need assistance or further information, who can I ask?

You may reach out to us on social media, call us at 177 or visit any Progresif Store near you.

Bahasa Melayu

Apakah Pembiayaan Produk Pengguna Serta-Merta?

Awda boleh membeli Device Pakej kami dan menukar pembelian device awda ke ansuran bulanan yang rendah melalui Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad dengan segera di mana-mana cawangan Progresif.

Adakah harga minima bagi device untuk layak dipohonkan bagi ansuran bulanan Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad?

Device mestilah berharga minima $300.00 untuk layak bagi ansuran bulanan Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad.

Apakah promosi ‘$60.00 Processing Fee Waiver’?

Awda boleh memohon perkhidmatan Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad di mana-mana cawangan Progresif kami dan jika permohonan itu diluluskan, bayaran pemprosesan $60.00 akan dikecualikan.

Bilakah tempoh promosi ‘$60.00 Processing Fee Waiver’?

Tempoh promosi ini berlangsung selama sebulan, bermula dari 6 November 2020 sehingga 6 Disember 2020.

Bolehkah saya memohon Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad serta-merta di cawangan Progresif setelah promosi berakhir?

Ya, awda boleh memohon Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad serta-merta di cawangan Progresif setelah promosi berakhir.

Apakah Terma & Syarat untuk memohon Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad?

Terma & Syarat Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad adalah:

  • Dibukakan kepada kakitangan Kerajaan Negara Brunei Darussalam
  • Menerima gaji di Bank Islam Brunei Darussalam
  • Baki gaji minimum setelah pemotongan slip gaji, dan kewajipan jaminan tidak boleh melebihi Total Debt Service Ratio (TDSR) maksimum yang ditetapkan atau kurang daripada had Pendapatan Bersih minima yang telah ditetapkan oleh BIBD At-Tamwil Berhad.
  • Kakitangan sektor swasta dialu-alukan, tertakluk kepada Terma & Syarat.
  • Pembayaran mesti dibuat melalui Standing Instruction.
  • Syarat-syarat wajib lain adalah:

i. Pemohon mestilah seorang yang mempunyai perwatakkan yang baik
ii. Mestilah jujur dan boleh dipercayai dengan rekod prestasi pembayaran yang lalu
iii. Adalah seorang warganegara atau Penduduk Tetap Negara Brunei Darussalam
iv. Tidak muflis atau disenarai hitam oleh mana-mana institusi atau organisasi kewangan.

Apakah dokumen yang diperlukan untuk memohon Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad?

Keperluan dokumentasi Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad adalah seperti berikut:

  • Kad Pengenalan yang sah
  • Lesen Memandu yang sah
  • Salinan atau sebut harga yang asal dari kedai/penjual
  • Penyata bank yang terkini bagi 3 bulan kebelakangan
  • Sebagai tambahan kepada yang diatas, BIBD At-Tamwil Berhad mungkin memerlukan:

i. Kontrak pekerjaan
ii. Pengesahan menerima gaji di Bank Islam Brunei Darussalam
iii. Apa-apa dokumen lain yang berkaitan.

Apakah Device Pakej yang boleh dibeli dengan Pembiayaan Produk Pengguna?
Device
Harga
Pelan Pakej*
Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad
Tenor Pembiayaan BIBD At-Tamwil Berhad CPF
Kadar Pembiayaan BIBD At-Tamwil Berhad
OnePlus Nord 8GB + 128GB
$626.00
One Mobile, One Home, One Family, One Bundle, One Family Bundle, Home Unlimited, Copper Bundle and One Office
Ya, tetapi dimestikan ada di dalam kumpulan peranti (Peranti dan Pelan)
Minima 6 Bulan Dan Maksimum 24 Bulan
8%
Oppo Reno 4 8GB + 128GB
$593.00
Oppo Reno 4 Pro 8GB + 256GB
$842.00
Samsung A31 6GB+128GB
$337.00
Samsung Galaxy Fold 2
$2,788.00
Samsung  S20 Ultra 12GB+128GB
$1,507.00
Samsung Galaxy S20+ BTS Edition
$1,388.00
Vivo V19 8GB + 128GB
$544.00
Vivo X50 8GB + 128GB
$827.00

*Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad tidak dapat dipohonkan hanya untuk pelan mobile atau pelan broadband Progresif. Bayaran pendahuluan dan jumlah pro-rata untuk pelan dipohonkan adalah diperlukan. Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad hanya dapat dipohonkan untuk telefon bimbit dalam Promosi Device Pakej. Device mestilah berharga minima $300.00 untuk layak bagi ansuran bulanan Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad.

Adakah terdapat kontrak untuk Device Pakej yang saya langgani?

Ya, anda akan dikontrak selama 12-bulan untuk pelan yang anda langgani.

Bolehkah saya membeli Device Pakej dengan kaedah pembayaran lain?

Ya, awda boleh membeli Device Pakej dengan wang tunai, kad kredit atau debit, Progresif PAY, QuickPay atau melalui Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad.

Bolehkah saya hanya membeli Device Pakej tanpa melanggan ke pelan Progresif dengan Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad?

Tidak, device yang ditawarkan hanya dapat dibeli dengan pelan mobile atau pelan broadband Progresif seperti yang tertera berikut:

Device
Harga
*Pelan Pakej
Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad
Tenor Pembiayaan BIBD At-Tamwil Berhad CPF
Kadar Pembiayaan BIBD At-Tamwil Berhad

OnePlus Nord 8GB + 128GB

$626.00
One Mobile, One Home, One Family, One Bundle, One Family, One Family Bundle, Home Unlimited, Copper Bundle and One Office
Ya, tetapi dimestikan ada di dalam kumpulan peranti (Peranti dan Pelan)
Minima 6 bulan dan maksimum 24 bulan
8%
Oppo Reno 4 8GB+128GB
$593.00
Oppo Reno 4 Pro 8GB+256GB
$842.00
Samsung A31 6GB+128GB
$337.00
Samsung Galaxy Fold 2
$2,788.00
Samsung S20 Ultra 12GB+128GB
$1,507.00
Samsung Galaxy S20+ BTS Edition
$1,388.00
Vivo V19 8GB+128GB
$544.00
Vivo X50 8GB+128GB
$827.00

Ya, untuk device berikut awda boleh membeli tanpa pelan mobile atau broadband, ia tidak disertakan dengan kontrak 12 bulan:

Device (Tertakluk Kepada Ketersediaan)
Harga
*Tempoh Kontrak Progresif
Tenor Pembiayaan BIBD At-Tamwil Berhad CPF
Kadar Pembiayaan BIBD At-Tamwil Berhad
Apple iPhone 11 128GB
$1,507.00
N/A
Minima 6 bulan dan maksima 24 bulan
8%
Vivo Y17 128GB
$350.00
Oppo A5 2020 64GB
$350.00
Samsung Galaxy S10E 128GB
$950.00
Vivo S1 Pro
$450.00
Apple iPhone 11 Pro 256GB
$2,296.00
Oppo A9 2020 128GB
$550.00
Vivo V11I 128GB
$550.00
Huawei Nova 5T
$525.00
Oppo F11 Pro
$450.00

 

Apa yang belaku jika saya membeli Device Pakej dan masih mempunyai kontrak dengan Progresif?

Kontrak awda dengan Progresif akan diperbaharui dengan kontrak 12 bulan yang baru

Adakah Pembiayaan Produk Pengguna BIBD At-Tamwil Berhad akan tersedia untuk Penjualan atas Talian?

Ya, wakil Progresif akan menghubungi awda untuk pendaftaran permohonan awda.

Saya memerlukan bantuan atau maklumat lebih lanjut, siapa yang boleh saya hubungi?

Awda bolehlah menghantar pesanan DM di sosial media kami, hubungi kami di talian 177 atau mengunjungi mana-mana cawangan Progresif yang terdekat.