I have a very nice package for all government servants even you are being blacklisted in CTOS as this package is specially design for the vast group of people which serve the country faithfully.

You can:

- Borrow up to RM100,000.00 without the need of a guarantor.
- 0.725% interest rate per month.
- 8.7% interest rate per annum.
- Payback term up to 10 years.
- Enjoy rebates on early payback.
- Approval within 5 days.
- Payment by salary reduction will only start 3 months after the payback dateline.

All you need is to submit the following:

- 1 copy of employer certified IC.
- 1 copy of employer certified Birth Cert + IC (PDRM only).
- 1 copy of latest salary statement + 2 copies of salary statement for previous 3 months, all certified by the employer.
- 1 copy of utility bill.

This is a valid personal loan program. For more information please PM me. Thx!