It is applicable for ppl that can pay the loan through salary reduction via Angkasa. So, mostly Gomen employees can apply for the loan. Same as Bank Rakyat.

Govt employees (err... servants) are considered low risk as no sudden service termination, no VSS stuffs, never heard of salary cut and they hardly change jobs. Easier and low risk to give them with loan with low interest. Correct or not? RHB - i dunno much but i knew their 12% reducing balance thingy.

One of the thing to consider is the convenience and cost of paying the monthly installments. Going to the bank to pay instalments incurs cost in terms of fuel, parking, risk of parking summons, MIA from office and loss of opportunity to make more money for businessmen. Online banking sure got rm2 charges as well for inter-bank transactions. So, lower interest rate eg. 0.1% may not be that much savings in the end if the bank is so far away from your location. Do cost benefit analysis first then make your decision.