Pembiayaan Peribadi Awam-i

Exclusively for Government Employees

Enjoy

Rates from 3.50%

flat rate per annum

Includes

Hassle-free Payments

via monthly salary deduction with Biro Perkhidmatan Angkasa

Apply

Up to RM200,000

with payment period up to 10 years

Benefits & Privileges

Financing Amount & Tenure

Up to a maximum of RM200,000 with payment period up to 10 years.
Low Rates

Financing Rates from as low as 3.50% flat rate per annum.
Eligibility

Exclusively for government employees & aged between 21 – 59 years old with minimum Monthly Gross Income of RM1,400.
Facility Disbursement Options
- CIMB Current Account/-i or Savings Account/-i OR;
- Other Bank’s account in Malaysia via Interbank GIRO (IBG)¹.
More Information ¹
Hassle-free payments

Monthly Payment via monthly salary deduction with Biro Perkhidmatan Angkasa.

Eligibility & Requirements

Up to RM200,000 | Exclusively for government employees

21 - 59 years old*
Malaysian Citizen.
Government sector, including Government Linked Company (GLC**) and statutory bodies. Permanent & contract employees (minimum 3 months contract).
Individual Applicant only.
Must be currently employed in government where monthly instalment deduction for payment is through ANGKASA.
Minimum monthly gross income of RM1,400.

*Financing matures upon reaching the retirement age of 60 years or up to the maximum age gazetted by the government.

**GLC defined as Government Linked Company.

How to Apply?

Apply via the e-form or nearest CIMB branch.

Calculate Your Monthly Repayment

Awam-i Ibra' Calculator

Terms & Conditions

Terms and Conditions

Product Disclosure Sheet

Declaration Form

BPA Form 1/79

Disclaimer & Notes

Disclaimer and Notes

Fees & Charges

Participation Fee: RM30 per month
Agency (Wakalah) Fee: RM 30 (one-off)
Collection Fee by Biro ANGKASA: 2% of monthly instalment amount per month
Stamp Duty: 0.50% of total approved facility amount

Please note that for home renovations or business purposes, you may consider alternative financing products such as renovation financing or micro-financing that are more suited for these purposes, as personal financing may incur higher financing costs.

For full list of Fees & Charges, click here.

Profit Rates

Type of Government Employees	Estimated Profit Rates (flat rate p.a.)
Federal Government employee & Non-Federal Government employee	3.50% - 4.20%

Type of Government Employees

Estimated Profit Rates

(flat rate p.a.)

Federal Government employee & Non-Federal Government employee

3.50% - 4.20%

Note: Flat Profit Rate 3.50% p.a. - 4.20% rate p.a. is equivalent to Effective Profit Rate 6.40% p.a. - 7.32% p.a. The rates vary depending on the financing tenure.

View the Payment Table Here

Financing Amount & Tenure

Financing amount from RM1,000 to RM200,000.
Tenure from 1 year to 10 years.

Note: The financing amount and tenure is subject to Bank’s approving criteria.

FAQ

Frequently Asked Question (FAQ)

Key Documents

NRIC (National Registration Identity Card) front & back*
3 Months Payslip*
BPA Form 1/79*
1 Month Bank Statement
Allotment Letter**
Redemption Statement***

*Required with Certified True Copy (CTC)

**Mandatory if working in Sarawak

***Mandatory for debt consolidation application

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Pembiayaan Peribadi Awam-i

Exclusively for Government Employees

Rates from 3.50%

Hassle-free Payments

Up to RM200,000

Benefits & Privileges

Financing Amount & Tenure

Low Rates

Eligibility

Facility Disbursement Options

Hassle-free payments

Eligibility & Requirements

Terms & Conditions

Product Disclosure Sheet

Declaration Form

BPA Form 1/79

Disclaimer & Notes

Fees & Charges

Profit Rates

Financing Amount & Tenure

FAQ

Key Documents

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Benefits & Privileges

Financing Amount & Tenure

Low Rates

Eligibility

Facility Disbursement Options

Hassle-free payments

Eligibility & Requirements

Terms & Conditions

Product Disclosure Sheet

Declaration Form

BPA Form 1/79

Disclaimer & Notes

Fees & Charges

Profit Rates

Financing Amount & Tenure

FAQ

Key Documents

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