KFH Personal Financing-i Government Sector

An Islamic personal loan specially tailored for Government Sector Employees.

    • Financing up to RM150k
    • Up to 10 years tenure
    • Unsecured Islamic Financing
    • Takaful insurance required
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Profit rate p.a.: -%

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Profit rates

How much the bank charges you based on your financing amount & financing period

Financing ValueFinancing PeriodYour IncomeProfit Rate
RM2000 - RM15000024 to 120 monthsmin. RM240005.99% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
As low as 5.99% p.a., depending on financing amount and period
Processing Fee
No Fee
Late Payment Charge
1% from current outstanding amount
You must take takaful insurance with this financing.


Are you eligible for this personal financing?

Minimum annual income
Minimum age
19 years old
Maximum age
60 years old
Who can Apply
  • Malaysians
  • Government employee

Frequently Asked Questions about KFH Personal Financing-i Government Sector

Things you might want to know

How to apply for KFH Personal Financing-i 

Who is eligible for KFH Personal Financing-i?

Only Government employees may apply for this personal loan product.

How much money can I borrow?

KFH Personal Financing-i is a flat rate personal loan offering funds between RM2,000 and RM150,000 to Government sector workers. Loans may be repaid over any period up to 20 years (though you must be 58 years old or less at the end of the loan tenure).

You can borrow as much money as you like provided that your fixed monthly repayment is equal to or less than 60% of your gross monthly income.

How much does this personal loan cost?

The cost of brokerage, Stamp Duty and Takaful insurance cover are all borne by KFH, so there really are absolutely no extra fees associated KFH Personal Financing-i. You do not need to pay a deposit or find a guarantor.

Late payment of installments will attract a 1% compensation charge to your loan account.

What do I need to apply for this personal loan?

If you’d like to apply for this KFH personal financing product you will need to provide personal details and supporting documentation.

  • Copy of MyKad.
  • Copy of your most recent salary slip.
  • Letter from Head of Division confirming employment and verifying your identity.

How do I get my hands on the money?

It takes a few business days for KFH to turn around your personal financing application.

Once you’ve been notified that the paperwork is signed off funds will be disbursed to your KFH bank account.

How do I pay the money back?

Your repayment schedule will be set out in your loan agreement.

Generally, you’ll need to begin making repayments one month to the day from the date you received the borrowed money and continue at monthly intervals until the loan has been completely repaid.

Can I pay my KFH Personal Loan off early?

Of course you can. If you’d like to settle your loan before the end of tenure you can arrange to pay it all off early. A rebate on the interest charged may be granted at the bank’s discretion.

Is KFH Personal Financing-i Syariah compliant?

Yes, this facility is based on KFH’s Syariah concept of Murabahah, which defines a cost plus profit asset sale.

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