KFH Personal Financing-i Government Sector

An Islamic personal loan calculated on a flat rate basis with higher financing limits, especially tailored for Government Sector employees

    • Financing up to RM250k
    • 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
RM5000 - RM25000024 to 120 monthsmin. RM360004.33% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
As low as 4.33% p.a., depending on financing amount and period
Processing Fee
Stamp Duty
0.5% of the whole amount
Early Termination 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
21 years old
Maximum age
60 years old
Who can Apply
  • Malaysians
  • Confirmed and Permanent Staff
  • Government employee

Frequently Asked Questions about KFH Personal Financing-i Government Sector

Things you might want to know

Who can apply for KFH personal financing-i?

KFH Personal Financing-i Government Sector is open to confirmed and permanent staff in the Government sector only. You need to be between 21 and 60 years of age, with a minimum monthly income of RM3,000.

How much money can I borrow?

KFH Personal Financing-i Government Sector offers borrowing amount from a minimum of RM5,000. Depending on KFH's assessment of your credit history, you can borrow up to RM250,000 with the Islamic financing facility to be repaid over flexible periods between 2 to 10 years.

KFH does not charge a processing fee on this personal financing. However, the cost of brokerage, Stamp Duty of 0.5% on the total approved amount, and a Takaful cover will be assumed by you.

How do I pay my monthly instalments?

KFH provides for you many convenient ways to service your outstanding balances: by setting up a Standing Instructions, or fund transfer via Interbank Giro or Instant Transfer from your bank account to KFH's personal financing account, or salary deduction via Biro Perkhidmatan Angkasa.

You will start repaying your personal financing the month after you have received the money and shall continue at monthly intervals until the total borrowed amount has been fully repaid.

Can I pay my KFH personal financing off early?

Absolutely, KFH allows for you to settle your personal financing before the end of the tenure at zero cost (meaning there is no penalty for early settlement). In fact, you will receive an ibra' (rebate) on the deferred profits at the point of settlement.

Do I need a Takaful coverage?

KFH makes it compulsory for you to take up a Group Credit Term Takaful (GCTT) to cover the outstanding loan amount in the event you are not capable of repaying the outstanding amount due to death or total permanent disability.

Why should I apply for KFH Personal Financing-i Government Sector again?

There are many contributing factors that you might want to consider when applying for this Islamic personal financing facility:

  • Low and flat profit rate of 4.33%, fixed throughout the tenure
  • Higher financing limits of up to RM250,000
  • Flexible tenures up to 10 years
  • No guarantor or collateral needed

What document do I need to prepare?

First, you will need to complete the application form and then standby a copy of your NRIC together with it. Then, you also need to supply several of the documents below:

For Salary Earners:

  • Latest 3-month payslip
  • EPF Statement with latest 3-month contribution

For Self-Employed:

  • Latest B/e-Tax form with tax payment receipt; or EPF Statement; or copy of latest Audited Financial Statements
  • Business Registration Form
  • Latest 6-month Company or Personal's bank statement

Am I qualified to apply for KFH personal financing if I'm blacklisted?

Depending on your credit history with other financial institutions because all these information (outstanding credit card, personal loan, home loan or car loan debts) will be captured in CCRIS / CTOS (a system that collect credit information on borrowers, not blacklisting them).

Assuming you have poor credit standing due to irregular payments, the best course of action would be to break the habit and start making your payments on time to avoid future hurdles.

KFH is more likely to approve your personal loan application if you can show that you are managing your personal finances, rather than accumulating more debt.

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