Review Shariah-concept cooperative bank personal financing through Biro Angkasa salary deduction, with financing up to RM 200,000, payout up to 98%, and debt consolidation use.
Available Amount
Up to RM 200,000
Best For
Civil servants
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About The Facility
Co-opbank Pertama personal financing, formerly known as Bank Persatuan personal financing, is offered by Koperasi Co-opbank Pertama Malaysia Berhad with repayment through Biro Angkasa salary deduction.
Background
The reference page states that Co-opbank Pertama was established under the Co-operative Act 1993 and went through several rebrandings since the 1950s before becoming Co-opbank Pertama. It also highlights over 30 branches nationwide, including Sabah and Sarawak.
Amount
Up to RM 200,000
The reference page lists maximum financing amount up to RM 200,000.
Payout
Up to 98%
Payout is listed up to 98%, with 2 months of advance instalment deducted.
Status
Paused
The reference page states that Co-opbank Pertama is not accepting new applications.
Application Status
The reference page states that Co-opbank Pertama, formerly known as Bank Persatuan, is no longer accepting new applications at this time. The terms below are kept as product reference details for comparison.
Special Loan Features
These key details follow the Co-opbank Pertama reference page, including Shariah-concept financing, Biro Angkasa repayment, and debt consolidation use.
Financing Amount
Maximum financing amount is listed as RM 200,000, subject to assessment.
Profit Rate
The reference page includes rates from 2.31% p.a., plus feature and fixed-rate notes.
Financing Tenure
The feature section lists tenure from a minimum of 1 year up to 10 years.
Payout
Payout is listed up to 98%, with 2 months of initial payment deducted.
Repayment
Monthly repayment is processed through ANGKASA salary deduction.
Fees
No member fees or processing fees are charged according to the reference page.
Security
No collateral or guarantor is required for this unsecured personal financing.
Concept
Co-opbank Pertama personal financing follows Shariah concept.
Processing
The feature section lists around 1 week, while the FAQ says pre-approval can be as fast as 2 working days.
Profit Rate Notes
The reference page includes multiple rate notes for Co-opbank Pertama personal financing.
Feature Rate
The feature section lists profit rate from 2.95%.
Short Tenure
The FAQ lists 2.31% per year for financing tenure up to 3 years.
Long Tenure
The FAQ lists 2.67% per year for financing tenure from 4 to 10 years.
Rate & Payout Note
The feature section lists profit rate from 2.95%, while the FAQ lists 2.31% for tenure up to 3 years, 2.67% for 4 to 10 years, and an available fixed rate of 3.75%. The reference page also states payout up to 98% with 2 months of advance instalment deducted from the financing.
Debt Consolidation
The reference page positions Co-opbank Pertama personal financing for debt consolidation, helping borrowers combine expensive debts into a structured Shariah-compliant repayment plan.
Eligibility & Documents
Co-opbank Pertama focuses on eligible government employees, statutory body employees, and GLC employees with Biro Angkasa deduction availability.
Payout, Fees & Repayment
Final payout, rate, tenure, fees, and approval are subject to Co-opbank Pertama terms and full assessment.
Cash in hand
The payout can be up to 98%, subject to final assessment and deductions.
Advance Instalment
The reference page states 2 months of advance instalment payments are deducted from the loan.
Takaful Protection
The reference page states that Co-opbank Pertama personal financing has Takaful protection.
Member Fee
No member fees or processing fees are charged according to the reference page.
Repayment
Monthly repayment is processed through automatic salary deduction by ANGKASA.
Overlap Facility
Existing Co-opbank Pertama customers can apply for an overlap facility, subject to approval.
Late Payment
Late monthly payment may be charged according to the financing agreement.
Advance Payment
Advance payment for Co-opbank Pertama personal financing is allowed.
Illustration
The reference illustration uses RM 10,000 financing over 10 years at 2.67% p.a., with total repayment of RM 12,670.
Our Promise
Applying can feel stressful, so the process stays clear, convenient, transparent, and free from upfront charges.
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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.
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Your consultant helps review whether Co-opbank Pertama is available or whether another option fits your profile.
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FAQ
Key details before you compare Co-opbank Pertama personal financing.
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