Background
KFH Malaysia is an Islamic banking provider.
The reference page describes KFH Malaysia as the first foreign Islamic bank in Malaysia and one of the first three Islamic banks from the Middle East licensed to operate in the country.
Kuwait Finance House
MCCM Personal Loan
Review fixed-rate Islamic personal financing through MCCM Resources Sdn Bhd under Biro Angkasa, with financing up to RM 250,000, 100% payout, and Takaful cost borne by KFH.
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
Fixed-rate Islamic
financing for civil servants.
Kuwait Finance House personal financing is offered through salary deduction via MCCM Resources Sdn Bhd under Biro Angkasa, giving eligible government servants a Shariah-compliant route with stable monthly repayment.
Payout
100%
The reference page highlights 100% payout for Kuwait Finance House financing.
Rate Type
Fixed
Fixed-rate financing helps keep monthly repayment stable despite OPR movement.
Status
Paused
The reference page states that KFH is not accepting new applications at the moment.
Application Status
New applications are currently paused.
The reference page states that Kuwait Finance House is no longer accepting new personal loan applications at the moment. The terms below are kept as product reference details for comparison.
Special Loan Features
KFH terms
at a glance.
These key details follow the Kuwait Finance House - MCCM reference page, including fixed-rate Islamic financing, full payout, and salary deduction repayment.
Financing Amount
Up to RM 250,000
Maximum financing amount is listed as RM 250,000, subject to assessment.
Profit Rate
Reference rate varies
The reference page includes 4.50%, 4.65% and 3.99% rate notes. Final terms depend on the latest KFH assessment and agreement.
Financing Tenure
2 to 10 years
The financing period ranges from a minimum of 2 years to a maximum of 10 years.
Payout
100%
The reference page states total payout or financing amount received is 100%.
Repayment
Biro Angkasa
Repayment is through Biro Angkasa salary deduction under MCCM Resources Sdn Bhd.
Upfront Payment
Not required
No upfront instalment payment is required according to the reference FAQ.
Security
No guarantor
No collateral or guarantor is required for this unsecured personal financing.
Concept
Islamic financing
Kuwait Finance House personal financing follows Shariah concept.
Promotion Plans
Fixed profit
rate tiers.
The reference promotion section separates KFH fixed-rate tiers by financing range.
Plan 1
4.50%
Fixed profit rate for financing from RM 100,000 to RM 250,000.
Plan 2
4.65%
Fixed profit rate for financing from RM 5,000 to RM 99,000.
Rate & Fee Note
The reference feature and promotion sections list rates from 4.50% and 4.65%, while the FAQ states a fixed rate of 3.99%. The feature section also mentions RM 20 monthly membership fee, while the FAQ states no member fees or processing fees. Final terms depend on the latest KFH assessment and agreement.
Fixed Rate & Debt Consolidation
Stable repayment without OPR worry.
The reference page positions this financing for borrowers who want fixed monthly repayment, protection from future rate hikes, 100% payout, and debt consolidation for expensive credit or loan commitments.
Eligibility & Documents
Prepare the
right profile.
KFH focuses on eligible government employees, statutory body employees, and selected GLC employees with the required income and service profile.
Applicant Requirements
- Malaysian citizen. The feature list states age 20 to 58, while the FAQ lists age 20 to 59.
- Government employee, statutory body employee, or selected GLC employee, except army.
- Permanent position with at least 3 months of service in the feature section, while the FAQ lists at least 1 year.
- Contract positions with minimum 1 year renewal can be considered for doctor, pharmacist, engineer, lecturer, and director positions.
- Minimum fixed monthly income is listed as RM 3,000 in the feature section and RM 2,000 in the FAQ.
- High outside payslip commitment or CCRIS records can be considered.
- PTPTN overdue records can be considered, subject to assessment.
Credit Restrictions
- Special Attention Account in CCRIS is not eligible.
- AKPK status is not eligible.
- CCRIS arrears can be considered if financing arrears do not exceed 2 months.
- CTOS or trade references above RM 2,000 need to be settled through the financing.
- Applicants must not be bankrupt and must be able to repay the financing.
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 Kuwait Finance House - MCCM terms and full assessment.
Cash in hand
100%
The reference page states that the total payout or financing amount received is 100%.
Takaful Protection
Bank-paid
The Takaful cost is borne by KFH and is not deducted from the borrowed amount.
Fee Note
Mixed reference
The feature section mentions RM 20 monthly membership fee, while the FAQ says no member or processing fees.
Upfront Payment
Not required
No upfront instalment payment is required for Kuwait Finance House - MCCM financing.
Overlap Facility
Allowed
Existing Kuwait Finance House customers can apply for overlap financing, subject to approval.
Late Payment
Fee may apply
Late monthly payment may be charged according to the financing agreement.
Advance Payment
Allowed
Advance payment for Kuwait Finance House personal financing is allowed.
Illustration
The reference illustration uses RM 10,000 financing over 10 years at 4.20% p.a., with total repayment of RM 14,200.
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 availability
Your consultant helps review whether KFH is available or whether another bank option fits your profile.
04
Proceed with support
After you choose a suitable route, your consultant assists with submission, follow-up, and next steps.
FAQ
Common
questions.
Key details before you compare Kuwait Finance House - MCCM personal financing.
