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Personal Loan Facility

Personal Loans are granted to members on completion of 6 months’ membership. Each applicant must be supported by one or more guarantors, who have also been members of the Koperasi for a minimum period of 6 months.

The Guarantors/ Sureties must be a third-party person (Friends, Cousin or Relatives), spouse, siblings & immediate Family Members cannot be Guarantors.

Borrowers & Guarantors must be confirmed employees with more than 2 years in service.

Koperasi Gemilang Malaysia Berhad Members who are in Government sectors and Private sectors are eligible to apply for personal loan up to RM 100,000.00. Loan amount of RM 50,000.00 is repayable within 5 years while Loan amount from RM 50,000.00 to RM 100,000.00 is repayable within 10 years.

Every Personal Loan is subject to RM 1,000.00 Share Capital credit in the account of member and is subject to the Terms and conditions specified under this facility.

Eligibility

Members are eligible for this facility after completing 6 months of KGMB membership.

• Minimum Share Credit Value of RM 1,000.00 is required in the borrower’s account.

DSR (Debt Service Ratio Percentage) should not exceed 60%.

Repayment Facility

• Salary Deduction
• Post Dated Cheques
• BPA Angkasa
• Group Company Salary Deduction
• Credit Card / Debit Card (Auto Debit Facility) — contact KGMB for availability.

The said terms and conditions are subject to change at the discretion of the Management. However, for those who have entered into a contract, the terms and conditions remain the same.

If you are interested in this Facility and want to know more information about Interest rates, kindly drop us an email to credit@kgmb.com.my or you may contact our Credit Division via Official WhatsApp +60125144199 during office hours.

Loan amounts, rates, eligibility, security and repayment terms depend on the facility and your application. Please contact KGMB’s Credit Division for clarification before applying.

If the form you need is not listed, request it through General Enquiry / Feedback.

Short Term Loan Facility

Koperasi Gemilang Malaysia Berhad members who are especially sole proprietor and Entrepreneurs are eligible to apply for this facility for capital injection and other reasons. Maximum Repayment tenure is 12 months by way of Bullet Repayment and can be extended to 24 months’ subject to Loan Committee’s approval and Terms and conditions may apply.

Eligibility

Members are eligible for this facility after completing 6 months of KGMB membership.

Repayment Facility

Post Dated Cheques

The said terms and conditions are subject to change at the discretion of the Management. However, for those who have entered into a contract, the terms and conditions remain the same.

If you are interested in this Facility and want to know more information about Interest rates, kindly drop us an email to credit@kgmb.com.my or you may contact our Credit Division via Official WhatsApp +60125144199 during office hours.

Loan amounts, rates, eligibility, security and repayment terms depend on the facility and your application. Please contact KGMB’s Credit Division for clarification before applying.

If the form you need is not listed, request it through General Enquiry / Feedback.

Mortgage Loan Facility

On top of the Personal Loan Facility, members are eligible to apply for Mortgage loan by mortgaging their property (Eg. House, Land, Bond, Jewelries) and fixed assets which is free from any encumbrances.

The maximum limit under this facility is RM 250,000.00 or 50 % of the value of the property mortgaged whichever is lower, and repayable over a period of 10 years. Terms and conditions may apply.

Eligibility

Members are eligible for this facility after completing 6 months of KGMB membership.

Repayment Facility

• Post Dated Cheques

Salary Deduction

The said terms and conditions are subject to change at the discretion of the Management. However, for those who have entered into a contract, the terms and conditions remain the same.

If you are interested in this Facility and want to know more information about Interest rates, kindly drop us an email to credit@kgmb.com.my or you may contact our Credit Division via Official WhatsApp +60125144199 during office hours.

Loan amounts, rates, eligibility, security and repayment terms depend on the facility and your application. Please contact KGMB’s Credit Division for clarification before applying.

If the form you need is not listed, request it through General Enquiry / Feedback.

For consumer-financing enquiries, contact the Credit Division about facility availability, eligibility, rates and repayment terms.

If the form you need is not listed, request it through General Enquiry / Feedback.

Loan amounts, rates, eligibility, security and repayment terms depend on the facility and your application. Please contact KGMB’s Credit Division for clarification before applying.

If the form you need is not listed, request it through General Enquiry / Feedback.