Koperasi Kospeta Malaysia Berhad
Looking for popular personal loan? Koperasi Kospeta Malaysia Berhad has it all. Apply for overlap or fresh loan and enjoy very low interest rate. Contact us now for more details about other koperasi loan or banks loan available. We will serve you the best.
Introduction
The cooperative, which is made up of Local Authority (PBT) Employees, IWK, Alam Flora, Southern Waste Management (SWM) and e-Idaman, has once again been promoted to the 100 BEST COOPERATIVE INDEX.
Where KOSPETA has been at its best ranked 21st out of more than 14,000 cooperatives in Malaysia and 14th in the Federal Territory.
Hopefully Koperasi KOSPETA Malaysia Berhad will continue to excel in providing the best service to its members.
Personal Loans
Secured Loans (4201)
MEMBER BENEFITS
Financing Facility: KOSPETA members who are registered and meet the funding conditions that have been set, are invited to apply for funding from various financing plans provided specifically to ease the burden of members.
The financing offered is real estate financing, investments, cars, studies, emergencies and more.
Secured Loans (4201)
The financing amount of RM 80,000.00 under this scheme is limited to 30 months of the applicant’s salary mixed with the total capital fees paid and DEDUCTED all member liabilities to the cooperative excluding the secured financing scheme.
Members are eligible to make this application subject to the following conditions:-
- Has no debt balance of 90% financing scheme or instant financing scheme.
- Requires at least 4 guarantors consisting of qualified members (the total guarantee liability by the guarantors is either associated or separate covering the entire amount of the financing)
the repayment period of the financing is not more than 120 months. - Service charge is 5.2% per annum.
- Financing repayment for the purpose of making a new financing application can be done provided a service fee of RM10.00 is charged.
- Original and current salary statement.
- Contract workers submit the latest contract letter.
- Members are not eligible to apply for new funding until the previous funding has been fully settled.
With 90% Financing (4202)
This financing scheme is eligible to be considered for members subject to the following conditions:-
The amount of funding shall not exceed 90% of the total capital of the membership fee
Members have no secured financing balance or instant financing
Does not require guarantor or collateral
The repayment period of the financing is not more than 60 months
Original and current salary statement
Contract workers submit the latest contract letter
The service fee is 5% per annum.
TPTP (4201TP)
This financing scheme aims to help members in financial need without burdening other guarantors.
- Has a minimum share amount of RM3,000.00.
- Payment period up to 120 months.
- No guarantor and qualified to Permanent status member.
- Confirmation from the Employer and 2 witnesses.
- The TPTP charge is 3% of the financing amount.
- Latest original salary statement.
- Eligible to take Emergency financing of RM2,000.00 only.
- Not eligible to apply for other TPTP funding.
- Original and current salary statement.
- Contract workers submit the latest contract letter.
Secured Loan
- 5.20% /p.a
- Max financing RM80,000
- 30 months payment
- Open to permanent and contract staff
90% Financing
- 5.00% /p.a
- Low interest rate only 5.00%
- Installment up to 60 months
Overlap Loan
- 90% Financing
- Must settle 50% existing loan
- Popular choice
Overlapping
This financing scheme aims to help members who are in need of finance even if the previous financing has not been settled in full.
- Maximum funding eligibility can be given on a single member application or made in stages.
- If the financing is made in stages then the maximum eligibility is determined based on the first application.
- Financing can be made to a Guaranteed Financing scheme or 90% Financing on share capital.
- Previous financing has been settled in excess of 50% with payments made through salary deductions.
- Original and current salary statement.
- Contract workers submit the latest contract letter.
Contact Us
- Koperasi KOSPETA MALAYSIA BERHAD
no. 10 & 12 Tingkat 1
Jalan 6/3A KM12
Jalan Ipoh, Pusat Bandar Utara
68100 Kuala Lumpur - Tel: 03-61366097 / 03-61360564
- E-mail: kop.peta@streamyx.com / kospeta@tm.net.my
- Fax: 03-61384463
