Pembiayaan Peribadi Awam-i

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%

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

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PEMBIAYAAN PERIBADI AWAM-i

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Pembiayaan Peribadi Awam-i

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Required Documents

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PEMBIAYAAN PERIBADI AWAM-i

Benefits & Privileges

Benefits & Privileges

Eligibility

Fees and Charges

Pembiayaan Peribadi Awam-i

Profit Rates

Financing Amount & Tenure

Required Documents

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