Personal Loan KOSPEK for
Government Employees & Statutory Bodies




Koperasi Serbaguna Pekerja-Pekerja Malaysia Berhad, also known as "Koperasi Pekerja" (Worker Cooperative) or KOSPEK, was established on 8th February 1968 on behalf of Syarikat Perumahan Bekerjasama Pekerja-Pekerja Malaysia Berhad. In 1969 it changed it's name to "The Malaysian Workers Multi Purpose Co-operative Society Limited". The Cooperative's activities include credit loans for Government Employees, Employees of Statutory Bodies & Councils, as well as selected Private Companies which have an Agreement with Biro Angkasa. Examples are POS Malaysia, TM, TNB and others. The Coorporation's funding source is EON Bank.




Financing up to RM 250,000 and 20 years


5.70%* (1-10 years) - 5.75%* (11-20 years)
  • Low interest rate from only 5.70% per year
  • Personal Financing up to RM 250,000
  • Payment period up to 20 years
  • Basic salary of min. RM 700 required (incl. fixed allowances)
  • Repayment of funding through BIRO ANGKASA
  • The application process is simple and quick
  • OVERLAP if Deductions are higher than 60% can apply
  • Islamic Scheme and Berakad
  • No guarantor needed, CTOS/CCRIS can apply
  • 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 KOSPEK Personal Loan (Payment Schedule)





Calculation for Maximum Loan KOSPEK

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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