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Benefits & Privileges

Financing Amount & Tenure Low Rates Eligibility Facility Disbursement Options
Financing Amount & Tenure
Low Rates
Eligibility
Facility Disbursement Options

Eligibility

  • 21 – 59 years old*
  • Malaysian citizen
  • Government sector, including GLC** and statutory bodies. Permanent & contract employees (minimum 3 months contract)
  • Individual Applicant only
  • Must be currently employed in government where monthly instalment deduction for payment is through ANGKASA
  • Minimum monthly gross income of RM1,400

*Financing matures upon reaching the retirement age of 60 years or up to the maximum age gazetted by the government.

** GLC defined as Government Linked Company.

Fees and Charges

 
  • Participation Fee: RM30 per month 
  • Agency (Wakalah) Fee: RM 30 (one-off) 
  • Collection Fee by Biro ANGKASA: 2% of total instalment amount per month 
  • Stamping Fee: 0.50% of total approved financing amount

 

Pembiayaan Peribadi Awam-i

Terms and Conditions
Product Disclosure Sheet
Declaration Form
Disclaimer and Notes
BPA Form 1/79
Frequently Asked Question (FAQ)

Profit Rates

Type of Government Employees

Estimated Profit Rates

(flat rate p.a.)
Federal Government employee & Non-Federal Government employee 3.50% - 4.20%

 

Note: Flat Profit Rate 3.50% p.a. - 4.20% rate p.a. is equivalent to Effective Profit Rate 6.40% p.a. - 7.32% p.a. The rates vary depending on the financing tenure.

View the payment table here

Financing Amount & Tenure

 
  • Financing amount from RM1,000 to RM200,000 
  • Tenure from 1 year to 10 years

 

Note: The financing amount and tenure is subject to Bank’s approving criteria.

Required Documents

 
  • NRIC (National Registration Identity Card) front & back*
  • 3 Months Payslip*
  • BPA Form 1/79*
  • 1 Month Bank Statement for Payslip without QR
  • Allotment Letter**
  • Redemption Statement***

 

* Required with Certified True Copy (CTC)

** Mandatory if working in Sarawak

*** Mandatory for debt consolidation application

Ibra' Calculator

Awam-i Ibra' Calculator

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