Personal Loan Kowamas (e-Wawasan)
for Government Employees




Kowamas as a Bumiputra Registered Cooperative is now actively involved to contribute to the prosperity of our national economy and its members throughout the country. The economic activities to achieve this involve Specials for Personal Loans (Credits) Al-Inah for Government Employees and Officials. The funding source of Koperasi Kowamas is Bank Rakyat.





Financing up to RM 200,000 and 20 years

Promotion Raya 2012 KOWAMAS (01 June 2012 - 31 August 2012)

4.99% (1-2 yrs) - 5.10% (3-10 yrs) - 5.30% (11-15 yrs) - 5.50% (16-20 yrs)
  • Low interest rate from only 4.99% per year
  • Payment period up to 20 years
  • Permanent employment & basic salary of RM 700 required (incl. fixed allowances)
  • Aged 19 years and above, not older than 60 at the end of payment period
  • Repayment of funding through BIRO ANGKASA
  • OVERLAP of old loan account if Deductions are higher than 60%
  • The application process is simple and quick
  • No guarantor needed, CTOS/CCRIS can apply
  • BLACKLIST welcome to apply
  • TAKAFUL protection
  • Islamic Scheme and Berakad
  • Easy & Fast approval
*Subject to terms and conditions


!!! ATTENTION !!!

20 Tahun With immediate effect (from 08 July 2013) the tenure for all Personal Financing products in Malaysia will be restricted to maximum 10 years, following the recent change of guidelines and announcement made by Bank Negara Malaysia (BNM) to reinforce a responsible lending practice amongst all financial institutions. This new guideline by BNM applies to all Malaysian Banks and Koperasi !




FOR GOVERNMENT EMPLOYEES ONLY !!!
PRIVATE SECTOR CLICK HERE >>






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Monthly Installment Table for KOWAMAS Personal Loan (Payment Schedule)





Calculation for Maximum Loan KOWAMAS

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: 60 - Age (max. 20 years)


Basic Salary:
Allowances:
Deductions:
Age:










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Phone :


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Employer :


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