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What is Government Loans and Cooperative Loans

Government loans and cooperative loans (Loan Koperasi) are financing options specifically designed for government employees, GLC (government-linked company) employees, and some private sector workers. These loans usually offer lower interest rates, longer repayment terms, and more lenient approval conditions compared to private bank loans.
 

1. Government Loan 

Government loans are provided by government agencies or government-backed financial institutions to assist civil servants, entrepreneurs, and SMEs in obtaining financial support. 
 

Who is eligible? 

✔ Government employees (teachers, military personnel, police officers, civil servants) 
✔ Semi-government & GLC employees (e.g., TM, TNB, Petronas) 
✔ SMEs & entrepreneurs (some government financing schemes are available for businesses) 
✔ B40/M40 groups (low- and middle-income groups may qualify for certain assistance loans)

Common Types of Government Loans: 

1.1 Personal Loan for Government Servants 

• Low interest rates (usually 3.5% - 5%), cheaper than private bank loans 

• No guarantor required 

• Loan tenure up to 10 years, with automatic salary deduction 

• Loan amount up to RM200,000 

• Suitable for home renovation, debt consolidation, education expenses, etc.

1.2 Tekun Nasional Business Loan (SME & Startup Loan)

• Provided by Tekun Nasional, designed for SMEs & startups

• Loan amount: RM10,000 - RM100,000

• Low-interest & collateral-free 

• Suitable for micro-businesses (food stalls, retail shops, handicrafts, services, etc.)

1.3 BSN MyRinggit-i Civil Servant Loan

• Offered by Bank Simpanan Nasional (BSN)

• Low-interest financing for government & GLC employees

• Loan amount up to RM200,000, tenure up to 10 years

1.4 MARA Business Financing

• Targeted at Bumiputera entrepreneurs

• RM500,000 Low-interest business loans up to RM500,000

1.5 Higher Education Loan

• Higher education loan for Malaysian students

• Low-interest, with flexible repayment after graduation 

• Covers tuition fees & living expenses

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2. Loan Koperasi

Loan Koperasi is provided by various cooperative organizations (Koperasi) in Malaysia, primarily for government employees and certain GLC staff.

Who is eligible?

✔ Government servants (Kakitangan Kerajaan)
✔ GLC employees (e.g., TNB, POS Malaysia, Petronas, etc.)
✔ Military & Police Officers (Angkatan Tentera Malaysia & PDRM)
✔ Retired government servants (Pencen)

Features of Loan Koperasi: 

✔ Lower interest rates (typically 3.99% - 6.99%), cheaper than private bank loans 
✔  Does not affect CCRIS/CTOS records (some koperasi loans are not reported in CCRIS) 
✔ No guarantor & no collateral required (Unsecured Loan) 
✔ Loan amounts up to RM250,000 
✔ Tenure up to 10 years (salary deduction repayment) 
✔ Fast approval process (5 - 10 days) 
 

Major Koperasi Loan Providers: 

2.1 Koperasi Ukhwah Loan 

• Available for civil servants & GLC employees 

• Loan amount: RM5,000 – RM200,000 

• Tenure up to 10 years, low-interest rates 

2.2 Koperasi Kowaja Loan

• Available for civil servants, retirees, & GLC employees

• Loan amount: RM5,000 – RM150,000

• No guarantor required, fast approval

2.3 Koperasi Tentera Loan

• Specifically for Malaysian military personnel (ATM)

•  Low interest rates & long repayment plans

2.4 Koperasi Polis Loan

• Specifically for PDRM police officers

• Loan amount: RM5,000 - RM150,000

• Automatic salary deduction, no guarantor needed

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Required Documents for Government Loan & Koperasi Loan Application:

1. Copy of IC (both sides)

2. Latest 3 months' payslips (Slip Gaji)

3. Latest 3 months' bank statements

4. Employment confirmation letter (Letter of Confirmation / Penyata Perkhidmatan)

5. EPF/KWSP statement (if required)

6. LHDN tax documents (Borang BE/B)

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Government Loan & Koperasi Loan Application Process: 

Step 1: Fill in the loan application form & submit required documents      
Step 2: Loan institution reviews and processes the application (5-10 working days)          
Step 3: Loan approval & signing of agreement         
Step 4: Loan disbursement (funds transferred to the bank account)
 

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Government Loan & Koperasi Loan Frequently Asked Questions

1.Who is eligible for government loans?
Civil servants, military personnel, police officers, GLC employees, and some private sector employees (depending on the government loan program).

2. What are the interest rates?

✔ Government Loans: Around 3.5% - 5%
✔ Koperasi Loans: Around 3.99% - 6.99%
✔ These rates are much lower than private bank personal
 

3.How long does loan approval take?

• Loan Koperasi: 5-10 days

• Goverment Loan:  7-14 days

4. Will the loan affect my CCRIS/CTOS record?
Some koperasi loans do not affect CCRIS/CTOS records, but government loans are usually recorded.

5. Can I apply for a government loan if I have AKPK? 
Some koperasi loans accept applicants with AKPK, depending on the institution's policies.

Is Government Loan / Loan Koperasi Right for You?
Government loans and koperasi loans are great financing options for civil servants, GLC employees, and eligible borrowers due to their lower interest rates, longer repayment periods, and easier approvals. However, it's essential to compare different options and choose the best f inancing plan based on your financial needs.
 

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政府贷款 / 合作社贷款

政府贷款和 合作社贷款是专门为政府公务员、GLC（政府关联公司）员工及部分私人领域员工提供的贷款方案，通常具有较低的利率、长期还款计划及较宽松的审批条件。

1. 政府贷款（Government Loan）

政府贷款是由政府机构或政府支持的金融机构提供的贷款，目的是帮助公务员、创业者及中小企业获得资金支持。
适用于：

• 政府公务员（教师、军人、警察、政府部门职员）

• 半政府机构 & GLC 员工（如 TM、TNB、Petronas）

• 中小企业（SME）（某些政府融资计划适用于企业）

• B40/M40 群体（低收入或中等收入群体可申请特定援助贷款）

常见的政府贷款类型：

1.1 公务员个人贷款（Personal Loan for GovernmentServants）

• 低利率（通常 3.5% - 5%），比私人银行贷款更优惠

• 不需要担保人

• 贷款期限可长达 10 年，每月自动扣薪还款

• 最高贷款额可达 RM200,000

• 适用于公务员的财务需求，如房屋装修、债务整合、教育开支等

1.2 Tekun Nasional 企业贷款（创业 & SME 贷款）

• 由 Tekun Nasional 提供，专为中小企业（SME）和创业者设计

• 贷款额：RM10,000 - RM100,000

• 低息 & 无需抵押

• 适用于微型企业（小吃摊、零售店、手工艺品、服务业等）

1.3 BSN MyRinggit-i 公务员贷款

• 由 Bank Simpanan Nasional（BSN） 提供

• 低息贷款，适合公务员及 GLC 员工

• 最高贷款额 RM200,000，最长 10 年还款

1.4 MARA 企业融资（MARA Business Financing）

• 适用于 土著（Bumiputera）企业

• 提供低息贷款及创业资金支持

• 贷款额可达 RM500,000

1.5 PTPTN 教育贷款（Higher Education Loan）

• 专为大马学生提供的高等教育贷款

• 低利息 & 可在毕业后分期还款

• 适用于大学学费、生活开销

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2. 合作社贷款（Loan Koperasi）

合作社贷款是由马来西亚各大合作社提供的贷款，专门针对政府公务员及部分 GLC 员工。
适用于：

• 政府公务员

• GLC 员工（如 TNB、POS Malaysia、Petronas 等）

• 军人 & 警察

• 退休公务员

合作社贷款的特点：

• 低利率（通常 3.99% - 6.99%），比私人银行贷款更便宜

• 不影响 CCRIS/CTOS 记录（部分 Koperasi 贷款不进入 CCRIS 记录）

• 无需担保人 & 无需抵押

• 贷款额高达 RM250,000

• 最长贷款期限 10 年（自动扣薪还款）

• 审批速度快（通常 5 - 10 天放款）

主要合作社贷款机构：

2.1 Koperasi Ukhwah Loan

• 适用于公务员 & GLC 员工

• 贷款额 RM5,000 – RM200,000

• 最长 10 年分期付款，低利率

2.2 Koperasi Kowaja Loan

• 适用于公务员、退休公务员、GLC 员工

• 贷款额 RM5,000 – RM150,000

• 无需担保人，审批速度快

2.3 Koperasi Tentera Loan（军人贷款）

• 专门为马来西亚军人（ATM）提供的贷款

• 低息 & 长期还款计划

2.4 Koperasi Polis Loan（警察贷款）

• 专门为 PDRM 警察 提供的贷款

• 贷款额 RM5,000 - RM150,000

• 自动扣薪，无需担保人

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申请政府贷款 & 合作社贷款所需文件：

• 身份证（IC）正反面复印件

• 最新 3 个月工资单（Slip Gaji）

• 最新 3 个月银行对账单（Bank Statement）

• 雇主确认信

• EPF/KWSP 账单（若需要）

• 税务文件（LHDN Borang BE/B）

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申请政府贷款 & 合作社贷款的流程：

第1步骤: 填写贷款申请表 + 提交所需文件
第2步骤: 贷款机构审批，通常 5-10 个工作日
第3步骤: 贷款批准，签署合约
第4步骤: 贷款放款（资金直接转入银行账户）

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申请政府贷款 & 合作社贷款的常见问题（FAQ）

1. 谁可以申请政府贷款？
   公务员、军人、警察、GLC 员工、部分私人领域雇员（需符合政府贷款计划）。

2. 贷款利率是多少？
   - 政府贷款： 约 3.5% - 5%
   - 合作社贷款： 约 3.99% - 6.99%
   相比私人银行贷款，利率更低！

3. 贷款多久可以批准？
   - 合作社贷款（Loan Koperasi）： 5-10 天
   - 政府贷款（Government Loan）： 7-14 天

4. 贷款会影响 CCRIS/CTOS 记录吗？
   部分合作社贷款不会影响 CCRIS/CTOS，但政府贷款通常会被记录。

5. 我有 AKPK，可以申请政府贷款吗？
   需要根据贷款机构政策，有些合作社贷款可以接受 AKPK 申请者。

政府贷款 / 合作社贷款适合您吗？
政府贷款和合作社贷款是公务员、GLC 员工及符合条件的借款人的绝佳融资选择，因为它们提供较低的利率、更长的还款期限以及更宽松的审批条件。然而，选择贷款时，务必要比较不同的选项，并根据自身的财务需求选择最合适的融资方案。