Fast turnaround time
Even GLC's employees can apply*
Low interest rates.
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This is a cooperative loan provided by Ambank Islamic Bank (a subsidiary of Ambank Bank) with salary deduction services provided by MCCM Resources Sdn Bhd. It is open to all permanent government employees, statutory bodies or selected GLCs (EXCEPT ARMY) employee, including those that have hit on their credit score (CCRIS) due to missed PTPTN.
Borrow up to RM200,000 with a tenure of up to 10 years. Also get interest rates as low as 3.60% and loan tenure up to 10 years.
Unlike many other government cooperative loans, this is also available to employees of Telekom Malaysia and Pos Malaysia.
The maximum amount you can apply for with MCCM Resources Ambank Islamic Bank Personal Financing is RM200,000 and the maximum years of tenure you can apply for is 10 years.
MCCM Resources Public Islamic Bank Personal Financing is only open for permanent government employees, statutory bodies or selected GLCs employee from 18-58 years old, and with at least RM1500 monthly salary.
The interest rate depends on the amount of your loan. 4.45% for RM5,000 - RM29,000, 3.8% for RM30,000 – RM70,000 and 3.60% for loan amount RM71,000 – RM200,000. Besides, the payout amount is as high as 98%.
MCCM Resources Ambank Islamic Personal Financing offers only one repayment method, which is an automatic salary deduction via Biro Angkasa.
Yes for CCRIS and PTPTN, as long as there is no Special Attention (SA) in your report and you're not under AKPK.
