Review Koperasi Bersatu Tenaga Malaysia Berhad cooperative personal financing terms for eligible civil servants and statutory bodies, with fixed profit rate of 5.99% p.a., payout up to 91.5%, and repayment through Biro Angkasa.
Available Amount
Up to RM 250,000
Best For
Civil servants
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About The Facility
KOBETA cooperative personal financing is designed for government employees and statutory body staff, with salary deduction repayment through ANGKASA.
Background
KOBETA started credit activities with personal financing for government employees and statutory bodies in early 2004 after obtaining the ANGKASA Bureau Deduction code. KOBETA is registered under the Cooperative Act 1993.
Credit Activity
Since 2004
KOBETA began personal financing activities for public sector borrowers in early 2004.
Registration
Act 1993
KOBETA is registered under the Cooperative Act 1993.
Audience
Civil Servants
Designed for government employees, statutory bodies, and selected GLC staff.
Special Loan Features
The facility is unsecured, Shariah-concept cooperative financing with Takaful protection and salary deduction through Biro Angkasa.
Financing Amount
Maximum financing amount is subject to profile, income, commitments, and final approval.
Profit Rate
The reference facility uses a fixed profit rate of 5.99% per annum.
Financing Period
The reference terms list the financing period as 10 years only.
Repayment
Monthly repayment is made through automatic salary deduction processed by ANGKASA.
Processing
The reference processing timeline is around 1 to 2 weeks, based on best effort.
Upfront Fees
No upfront payment is required before the financing proceeds.
Protection
The KOBETA reference terms state that the financing is covered by Takaful.
Concept
The facility follows a Shariah-concept cooperative personal financing structure.
Current Application Status
The reference page states that KOBETA is no longer accepting applications for now. You can still use these terms for comparison and apply for other suitable koperasi options.
Eligibility & Documents
These are the applicant requirements and documents highlighted for Koperasi KOBETA cooperative personal financing.
Payout, Fees & Repayment
Final payout and approved amount are determined by KOBETA after assessment, according to the reference terms.
Cash in hand
The total payout or financing amount received can be as high as 91.5%, subject to KOBETA's assessment.
Member Fee
The reference terms list a RM 30 monthly member fee for first-time borrowers, deducted from the personal loan.
Advance Instalment
Three months of monthly instalment payments are deducted from the personal loan according to the reference terms.
Takaful Protection
KOBETA personal financing includes Takaful protection.
Overlap Facility
Existing KOBETA personal financing can be overlapped, subject to approval and facility rules.
Early Settlement
Advance or early settlement is allowed according to the terms.
Illustration
As an example from the reference terms, financing of RM 10,000 over 10 years at 5.99% p.a. would have total repayment of RM 15,990. The actual offer is subject to approval, terms, and conditions.
Our Promise
Applying can feel stressful, so the process stays clear, convenient, transparent, and free from upfront charges.
We focus on matching your financing need with suitable, reputable bank and koperasi options.
A consultant guides your application, document preparation, and follow-up from A to Z.
Rate, payout, processing time, fees, and important conditions are explained clearly before you proceed.
Our service is 100% free. No hidden charges or upfront processing fee is collected from you.
Share your employment profile, financing amount, income, and current commitment details.
Get your MyKad copy, certified salary slips, employment confirmation letter, and salary bank statement ready.
Because KOBETA is currently not accepting new applications, your consultant helps compare other suitable koperasi options.
After you choose a suitable route, your consultant assists with submission, follow-up, and next steps.
FAQ
Key details before you compare Koperasi KOBETA cooperative personal financing terms.
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