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BANK & KOPERASI LOAN

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BANK & KOPERASI LOANFOR GOVERMENT STAFF

   Get the best personal loan that suit your needs Rates   from as low as 3.9% p.a. or as fast as 2 working days   

A Koperasi Loan or Cooperative Loan is a type of personal loan offered to civil servants working in a federal or state government, municipal councils, statutory bodies as well as employees of selected government-linked entities. The repayment of Koperasi Loan is done through a salary deduction repayment scheme via Biro ANGKASA. Most of the Koperasi Loans are Syariah compliance.

Cooperatives that offer Koperasi Loan includes Koperasi Ukhwah, Koperasi Putri Terbilang (KOPUTRI), Koperasi Bersatu Tenaga Malaysia Berhad (KOBETA), Co-op Bank Pertama dan Koperasi Gemilang.  These cooperatives are registered under the Co-operatives Societies Act 1993.

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Financing available on our platform

Koperasi Bersatu Tenaga Malaysia Berhad

Do not count outside commitment

Rate 5.99%, payout until 91.5%. CCRIS/CTOS/AKPK can apply, 1-2 weeks process

PUBLIC ISLAM BANK

Rate from 4.99%. 

No membership fee. Civil servants under Federal, State and Government agencies can apply. 1-2 weeks process

RCE Capital Bhd.

As fast as 2 working days

High commitment, CCRIS/CTOS/AKPK can apply

CO-OPBANK PERTAMA

Rate from 3.9%

No membership fee. Financing up to RM200k.

3 working days

Rate 4.99%. High payout ratio.

High outside commitment, CCRIS/CTOS can apply. 2 weeks process

Koperasi Putri Terbilang Malaysia Berhad

Koperasi UKHWAH Malaysia Berhad

Do not count outside commitment

Rate 5.90%, High payout ratio. High commitment, CCRIS/CTOS can apply. Process 6-8 days

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ELIGIBILITY​

 

  • A Malaysian citizen aged between 20 and 58 years old

 

  • Civil servants under Federal, State and selected Government Agencies or employees of selected GLCs

 

  • Have a permanent job with at least 6 months of service in the public sector

 

  • Minimum gross monthly income (including fixed allowances) of RM1,500

 

  • High loan commitment, CCRIS/CTOS can apply (for selected koperasi loan)

 

  • Financing tenor from minimum 1 year to maximum 10 year

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