Koperasi Tentera (KATMB)

Koperasi Tentera (KATMB) provides Express Loans 1, 2, and 3 for various individuals and purposes, with a maximum loan amount of RM200,000. Apply now! Learn more for details.

Popular Personal Loans

Express Financing 1

Specifications

  • Financing Amount: From RM600 up to a maximum of RM20,000.
  • Financing Tenure: From 6 months up to a maximum of 96 months.
  • Profit Rate: 3.65% per annum.
  • Processing Period: 1 working day.

Eligibility

  • The applicant’s length of service must exceed the financing tenure or repayment period.

Conditions

  • Repayment will include an additional charge of 0.85% per annum on the approved financing, which replaces the guarantor (using the Al Kafalah concept).
  • Applicants must have paid monthly fees for a minimum of 6 months (for new members) or 12 months (for re-entry). Membership must be confirmed for the same period.

Service Charges

  • New financing: RM10
  • Overlap financing: RM20
  • Stamp duty: RM5 per one thousand ringgit or part thereof.

Express Financing 2

Specifications

  • Financing Amount: From RM500 up to a maximum of RM10,000.
  • Financing Tenure: From 6 months up to a maximum of 60 months.
  • Profit Rate: 3.65% per annum.
  • Processing Period: 1 working day.

Eligibility

  • The applicant’s length of service must exceed the financing tenure or repayment period.

Conditions

  • Repayment will include an additional charge of 0.85% per annum on the approved financing, which replaces the guarantor (using the Al Kafalah concept).
  • Applicants must have paid monthly fees for a minimum of 6 months (for new members) or 12 months (for re-entry). Membership must be confirmed for the same period.

Service Charges

  • New financing: RM10
  • Overlap financing: RM20
  • Stamp duty: RM5 per one thousand ringgit or part thereof.

Express Financing 3

Specifications

  • Financing Amount: From RM600 up to a maximum of RM6,000.
  • Financing Tenure: From 6 months up to a maximum of 48 months.
  • Profit Rate: 4.25% per annum.
  • Processing Period: 1 working day.

Eligibility

  • The applicant’s length of service must exceed the financing tenure or repayment period.

Conditions

  • Repayment will include an additional charge of 0.85% per annum on the approved financing amount to replace the guarantor (using the Al Kafalah concept).
  • Applicants must have paid monthly fees for a minimum of 6 months (for new members) or 12 months (for re-entry). Membership must be confirmed for the same period.

Service Charges

  • New financing: RM10
  • Overlap financing: RM20
  • Stamp duty: RM5 per one thousand ringgit or part thereof.

With Guarantors

Specifications

  • Financing Amount: Maximum of RM200,000
  • Financing Tenure: From 6 months to a maximum of 120 months
  • Profit Rate: 5.65% per annum
  • Processing Period: 5 working days

Eligibility

  • The total amount borrowed does not exceed 20 times the applicant’s gross income (salary and fixed allowances) or 60% of total deductions allowed, whichever is lower.
  • Applicants must have paid an entry fee of RM10 (RM20 for re-entry), a minimum share capital of RM100, and 6 months’ fees, totaling RM180.

Terms

  • For financing of up to RM15,000, one guarantor is required.
  • For financing above RM15,000, two guarantors are required.
  • Guarantors must be members of the cooperative and still on active duty with the Malaysian Armed Forces.
  • For Non-KEMENTAH Members, two Armed Forces personnel must act as guarantors.

Monthly Fee

  • For financing of up to RM15,000: RM30 per month
  • For financing between RM15,001 – RM200,000: RM40 per month

Service Charges

  • New financing: RM10
  • Overlap financing: RM50
  • CTOS/CCRIS Check: RM5/RM7
  • Stamp duty: RM5 per one thousand ringgit or part thereof

Without Guarantors

Specifications

  • Financing Amount: Maximum of RM100,000
  • Financing Tenure: From 6 months to a maximum of 120 months
  • Profit Rate: 3.65% per annum
  • Processing Period: 5 working days

Eligibility

  • Armed Forces personnel or civil servants employed by the Ministry of Defence, who have been confirmed in service and hold permanent positions.
  • The applicant’s length of service must exceed the financing tenure or repayment period.
  • Restricted to members who have held their membership for 5 years or hold the rank of Lance Corporal and above, or equivalent.

Conditions

  • The total amount borrowed does not exceed 20 times the value of the applicant’s gross income (salary and fixed allowances) or 60% of total deductions allowed, whichever is lower.
  • Repayment will include an additional 0.85% charge per annum on the approved financing to replace the guarantor (Al Kafalah concept).
  • Applicants must have paid monthly fees for a minimum of 6 months (for new members) or 12 months (for re-entry).

Monthly Fee

  • For financing of up to RM15,000: RM30 per month
  • For financing between RM15,001 – RM100,000: RM40 per month

Service Charges

  • New financing: RM10
  • Overlap financing: RM50
  • CTOS/CCRIS Check: RM5/RM7
  • Stamp duty: RM5 per one thousand ringgit or part thereof

Fees

Specifications for Fees Financing

  • Financing Amount: From RM600 to a maximum of RM100,000 or 90% of the total accumulated fees (whichever is lower).
  • Financing Tenure: From 6 months to a maximum of 120 months.
  • Profit Rate: 5.65% per annum.
  • Processing Period: 3 working days.

Conditions

  • Cumulative fees collected will be used as collateral (Ar-Rahnu concept).
  • Applicants must have paid monthly fees for a minimum of 6 months (for new members) or 12 months (for re-entry). Membership must be confirmed for the same period.

Monthly Fee

  • For financing of up to RM15,000: RM30 per month
  • For financing of RM15,001 and above: RM40 per month

Service Charges

  • New financing: RM10.00
  • Overlap financing: RM50.00
  • Stamp duty: RM5 per one thousand ringgit or part thereof

Note: For more information, visit the nearest Koperasi Tentera branch or contact the KT Customer Care Centre at 1-300-8000-58.

Pinjaman Peribadi Koperasi Tentera KT KATMB

*Source: katmb.com.my official website

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