KFH Personal Financing-i Government Sector

An Islamic personal loan specially 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.: -%

Apply online now for KFH Personal Financing-i Government Sector

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Profit rates

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

Financing ValueFinancing PeriodYour IncomeProfit Rate
RM30000 - 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
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 is eligible for KFH Personal Financing-i?

Only Government employees aged between 21 and 60 years earning a minimum of RM3,000 per month may apply for this Islamic personal loan.

How much money can I borrow?

KFH Personal Financing-i is a flat rate personal loan offering funds between RM30,000 and RM250,000, subject to KFH's approval and your repayment capability. The financing facility may be repaid over any period up to 10 years.

How much does this personal loan cost?

The cost of brokerage, Stamp Duty of 0.5% and Takaful cover will be borne by you. However, there is not fee for early settlement and you will be granted a rebate for it. Late payment of installments will attract a 1% compensation charge to your loan account.

How can I pay for my monthly instalments?

There are several convenient ways you can choose to service your outstanding balances such as Standing Instruction or Interbank Giro or Instant Transfer from your designated deposit account to KFH's personal loan account.

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.

Do I need a guarantor?

No guarantor or collateral is needed for this Islamic personal financing.

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

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.

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