Background
Islamic financing through MCCM salary deduction.
The reference page states that this financing is provided by AmBank Islamic, a subsidiary of AmBank, with repayment through MCCM Resources Sdn Bhd and Biro Angkasa salary deduction.
AmBank Islamic
MCCM Personal Loan
Apply for Islamic personal financing by AmBank Islamic with salary deduction by MCCM Resources Sdn Bhd through Biro Angkasa, fixed profit rate at 4.25% p.a., and payout up to 99.5%.
100% free, no hidden fees
Consultant assistance
Fast application review
How It Works
Available Amount
Up to RM 250,000
Best For
Civil servants
Journey
Loan flow 01
Apply online
Tell us your financing need and employment profile.
02
Compare suitable options
Review bank and koperasi options that fit your profile.
03
Submit documents
Prepare your income documents and bank statement for review.
04
Consultant assists A-Z
Get guided support until your application is completed.
Prepare
Civil servant profileIncome documentsBank statementApplication review
100% FreeNo Upfront FeesShariah Options
About The Facility
High-payout bank
financing with fixed rate.
AmBank Islamic - MCCM personal financing is offered to eligible federal civil servants, state employees, statutory body employees, and GLC employees who have ANGKASA salary deduction space.
Rate
4.25% p.a.
The reference page lists a fixed flat financing profit rate of 4.25% per year.
Payout
Up to 99.5%
The payout can be as high as 99.5%, subject to approval and final terms.
Processing
Around 2 weeks
The application process is shown as around 2 weeks on a best-effort basis.
Special Loan Features
AmBank Islamic
terms at a glance.
These key details follow the AmBank Islamic - MCCM reference page, including fixed flat rate, high payout, and Shariah concept financing.
Financing Amount
RM 5,000 - RM 250,000
The reference feature section lists financing from RM 5,000 to RM 250,000.
Profit Rate
4.25% fixed
The rate is fixed in nature and the reference page notes it does not change despite OPR changes.
Financing Tenure
2 to 10 years
The financing period ranges from a minimum of 2 years to a maximum of 10 years.
Payout
Up to 99.5%
The payout can be as high as 99.5%, subject to final approval terms.
Repayment
MCCM / ANGKASA
Repayment is through Angkasa deduction by MCCM Resources Sdn Bhd.
Fees
No member fee
No member fees or processing fees are charged according to the reference page.
Security
No guarantor
No collateral or guarantor is required for this unsecured personal financing.
Concept
Islamic financing
AmBank Islamic - MCCM personal financing follows Islamic concept financing.
Processing
Around 2 weeks
The reference timeline is around 2 weeks on a best-effort basis.
Loan Plan
One fixed
rate structure.
The reference page highlights a fixed 4.25% rate structure for AmBank Islamic - MCCM financing.
Profit Rate
4.25%
Fixed flat rate for AmBank Islamic - MCCM personal financing.
Loan Range
RM 5,000 - RM 250,000
The feature section lists financing from RM 5,000 to RM 250,000. The plan section highlights RM 50,000 to RM 250,000.
Illustration
The reference illustration uses RM 100,000 financing over 10 years at 4.25% p.a., with total repayment of RM 122,925.04 and monthly instalment around RM 1,024.38.
Debt Burden & Life Goals
Suitable for consolidation and planned expenses.
The reference page positions this financing for reducing expensive debt such as credit cards or personal loans, and for goals such as business expansion, home renovation, or helping a family member.
Eligibility & Documents
Prepare the
right profile.
AmBank Islamic - MCCM focuses on eligible government employees, statutory body employees, and GLC employees with ANGKASA deduction space.
Applicant Requirements
- Malaysian citizen aged between 18 and 58 years.
- Government employee, statutory body employee, or GLC employee with ANGKASA deductions, except army.
- Permanent position with at least 3 months of service.
- Minimum fixed monthly income of RM 1,500 including fixed allowance.
- PTPTN overdue records are eligible to apply, subject to assessment.
Credit Restrictions
- Special Attention Account in CCRIS is not eligible.
- AKPK status is not eligible.
- Applicants must not be declared bankrupt.
- Applicants must be able to repay the financing.
- Final approval is subject to AmBank Islamic - MCCM assessment.
Documents To Prepare
- Copy of MyKad, front and back.
- Latest 3 months salary slips certified true by the employer.
- Employment confirmation letter.
- Latest bank statement showing monthly salary credit.
Payout, Fees & Repayment
Understand the
cash-in-hand details.
Final payout, rate, tenure, fees, and approval are subject to AmBank Islamic - MCCM terms and full assessment.
Cash in hand
Up to 99.5%
The payout can be as high as 99.5%, subject to final assessment.
Takaful Protection
Included
The reference page states that AmBank Islamic - MCCM financing is covered by Takaful.
Member Fee
Not charged
No member fees or processing fees are charged for this financing route.
Repayment
ANGKASA deduction
Monthly repayment is processed through automatic salary deduction by ANGKASA.
Rate Stability
Fixed rate
The reference page notes the 4.25% rate is fixed in nature despite changes in BNM OPR rates.
Debt Consolidation
Supported purpose
The reference page positions this financing for consolidating expensive credit card or personal loan debts.
Our Promise
Guided from
application to follow-up.
Applying can feel stressful, so the process stays clear, convenient, transparent, and free from upfront charges.
You Are Our Priority
We focus on matching your financing need with suitable, reputable bank and koperasi options.
Convenience
A consultant guides your application, document preparation, and follow-up from A to Z.
Transparent
Rate, payout, processing time, fees, and important conditions are explained clearly before you proceed.
Free
Our service is 100% free. No hidden charges or upfront processing fee is collected from you.
How to Apply
01
Apply online
Share your employment profile, financing amount, income, and current commitment details.
02
Prepare documents
Prepare MyKad, certified salary slips, employment confirmation, and bank statement for review.
03
Review offer
Your consultant helps review the fixed rate, payout, tenure, and important conditions.
04
Proceed with support
After you choose to proceed, your consultant assists with submission, follow-up, and next steps.
FAQ
Common
questions.
Key details before you apply for AmBank Islamic - MCCM personal financing.
