Personal Loan KEKAL
for Government Employees




KOPERASI PENDIDIKAN USAHAWAN BERHAD (Koperasi KEKAL) and COSHARE HOLDING BERHAD is an association which was entrusted by the government of Malaysia to provide a salary deduction code for all government employees and statutory bodies. In Malaysia there are only 3 such codes available for salary deduction. They are: BIRO ANGKASA, BANK SIMPANAN NASIONAL and COSHARE HOLDING BERHAD. Any bank or licensed financial institution (medium or big cap) that is using the COSHARE salary deduction code can make payments directly to the bank.




Financing up to RM 250,000 and 20 years

4.00%* (2-3yrs) - 4.75%* (4-10yrs) - 4.90%* (11-15yrs) - 5.20%* (16-20yrs)
  • Low interest rate from only 4.00% per year
  • Personal Financing up to RM 250,000
  • Payment period up to 20 years
  • Permanent OR Contract employment
  • Repayment of funding through BIRO ANGKASA
  • Special for Government Employees & Private Companies (via Biro Angkasa)
  • Islamic Scheme and Berakad
  • The application process is simple and quick
  • No guarantor needed, CTOS/CCRIS can apply
  • OVERLAP of old loan account
  • BLACKLIST welcome to apply
  • TAKAFUL protection
  • Easy & Fast approval
*Subject to terms and conditions

FOR GOVERNMENT EMPLOYEES & STATUTORY BODIES ONLY !








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Monthly Installment Table for KEKAL Personal Loan (Payment Schedule)





Calculation for Maximum Loan KEKAL

Example Calculation:

  RM 1200 (Basic Salary)
+ RM 500 (Monthly Allowances)
= RM 1700
x 60%
= RM 1020
- RM 200 (Total Deductions)
= RM 820 (Available for Loan)

Years: 58 - Age (max. 20 years)


Basic Salary:
Allowances:
Deductions:
Age:











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