Apply for Shariah-concept cooperative personal financing for eligible civil servants, with financing up to RM 200,000 and approval as fast as 2 working days with complete documents.
Available Amount
Up to RM 200,000
Best For
Civil servants
Journey
Loan flowApply online
Tell us your financing need and employment profile.
Compare suitable options
Review bank and koperasi options that fit your profile.
Submit documents
Prepare your income documents and bank statement for review.
Consultant assists A-Z
Get guided support until your application is completed.
Prepare
About The Facility
Yayasan Dewan Perniagaan Melayu Perlis collaborates with RCE Marketing Sdn Bhd to provide cooperative personal financing for government employees.
Background
Yayasan Dewan Perniagaan Melayu Perlis is registered under the Companies Act 1965. Its personal financing facility is supported by RCE Marketing Sdn Bhd, a licensed financial company that has provided funding support for foundation-based government employee financing since 2003.
Support Since
2003
RCE Marketing has supported foundation-based government employee financing since 2003.
Financier Group
RCE
RCE Marketing is wholly owned by RCE Capital Berhad, listed on Bursa Malaysia.
Group Asset
RM 2.2B+
RCE reported assets of more than RM 2,200 million as at 31 March 2019.
Special Loan Features
This facility is unsecured, Shariah-concept financing with salary deduction repayment through Biro Angkasa.
Financing Amount
Maximum financing amount is subject to income, commitments, profile, and final approval.
Profit Rate
The reference facility starts from 6.65% fixed profit rate per annum.
Financing Period
Choose a tenure from a minimum of 1 year up to a maximum of 10 years, subject to approval.
Repayment
Monthly repayment is made through salary deduction processed by ANGKASA.
Processing
Processing can be fast when documents are complete, but timing is not guaranteed.
Upfront Fees
Application is free, with no advance instalment required before approval.
Security
This unsecured facility does not require collateral or a guarantor.
Concept
The facility follows a Shariah-concept cooperative personal financing structure.
High Commitment Profile
This YDPM Perlis route can be considered for eligible civil servants with high external commitments or selected CCRIS/CTOS records, subject to final assessment and financing terms.
Eligibility & Documents
These are the applicant requirements and documents highlighted for Yayasan Dewan Perniagaan Melayu Perlis cooperative personal financing.
Payout, Fees & Repayment
Final approved amount, payout, rate, and repayment are determined by the financier after reviewing your profile and documents.
Cash in hand
The total payout or financing amount received is determined by Yayasan Dewan Perniagaan Melayu Perlis.
Membership Fee
The reference terms state that no membership fee is charged for the time being.
Takaful Protection
This cooperative personal financing facility does not include Takaful protection.
Overlap Facility
Existing YDPM Perlis financing can be overlapped, subject to the facility rules and approval.
Late Payment
Late monthly repayment can be charged based on the unpaid amount stated in the financing agreement.
Early Settlement
Early settlement is allowed, and a rebate may be available according to the financing terms.
Illustration
As an example from the reference terms, financing of RM 10,000 over 10 years at 6.65% p.a. would have total repayment of RM 16,650. 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 financing amount, employment profile, income, and current commitment details.
Get your MyKad copy, certified salary slips, employment confirmation letter, and salary bank statement ready.
Your consultant helps explain the rate, payout, tenure, repayment method, and key terms before submission.
After approval and signing, disbursement can be as fast as 2 working days with complete requirements.
FAQ
Key details before you apply for Yayasan Dewan Perniagaan Melayu Perlis cooperative personal financing.
Tell us what you need on the contact page and our team will guide you to the right financing option, documents, and next step.
