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MCCM Resources Public Islamic Bank Personal Financing This is a cooperative loan provided by Public Islamic Bank (a subsidiary of Public Bank) with salary deduction services provided by MCCM Resources Sdn Bhd. It is open to all civil servants, including those that have hits on their credit score (CCRIS) due to missed PTPTN or other loan payments.
Borrow up to RM150,000 with a tenure of up to 10 years. Also get interest rates as low as 4.9% on loans with a tenure of less than three years.
Unlike many other government cooperative loans, this is also available to employees of Telekom Malaysia and Pos Malaysia.
The maximum amount that can be borrowed is RM150,000. However, you may only borrow up to RM100,000 if your income is less than RM3,000 per month. Additionally, the minimum amount that can be borrowed is RM5,000.
The interest rate depends on the tenure of your loan.
The payout for the loan is between 97% and 98% of the loan amount.
You can apply if your have hits against your CCRIS score for non-financial matters; as long as the value is below RM1,000. You may also apply if the financial related strikes against your CCRIS score are less than 2 months overdue.
The entire process takes between 1-2 weeks.(4-5 days for approval at HQ, then the case will be sent to customer's branch to sign the offer letter and the money disbursed into your bank account).
Your application will be forwarded to Direct Lending Sdn Bhd for processing.
MCCM Resources Public Islamic Bank Personal Financing
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