Coshare KFH 3.88% Personal Loans

Discover the all-new Personal Loans Coshare KFH 3.88%, a premier financing option in Malaysia. Launched amidst the challenges of the Covid-19 pandemic, this financing solution addresses the economic impact of the Movement Control Order on individuals. Anticipated to gain popularity among AG government civil servants, this offering underscores Kuwait Finance House’s reputation for leading financing packages tailored for government employees.

Personal Loans Coshare KFH 3.88%

Personal Loans Coshare KFH 3.88%: Summary

Understanding the Loan Criteria for Coshare KFH 3.88%

Before applying for a personal loan with Coshare KFH at the special interest rate of 3.88%, it’s crucial to understand the specific criteria involved. Here’s a detailed breakdown of the requirements and terms:

Loan Criteria Overview

Special Interest Rate

  • Interest Rate: 3.88% flat rate for Personal Loans Coshare KFH, representing one of the lowest rates available in the market for flat rate loans.

Loan Terms

  • Payout: 80% of the loan amount.
  • Processing Time: Typically 7-10 working days.
  • Loan Period: Minimum of 2 years and maximum of 15 years of financing, with the first-time loan period being extended.

Financing Details

  • Minimum Amount: RM10,000.
  • Maximum Amount: RM200,000.
  • Loan Type: Unsecured loan.
  • Single Customer Limit: RM200,000.

Applicant Requirements

  • Employment: Applicants must be in a permanent position and have served at least 1 year from the date of appointment.
  • Minimum Salary: The minimum starting salary required is RM3,000.
  • Eligibility: Open to full government staff (AG Only), including all federal government employees. Police personnel are also eligible to apply.

Exclusions

  • Ineligibility: This promotion, namely Personal Loans Coshare KFH 3.88%, is not open to state government employees and statutory bodies (GLC).

Retirement Financing

  • Financing Period: Financing is available up to one year before retirement. If the applicant chooses the 60-year retirement option, calculations are done until 59 years old.

Important Note

  • Debt Service Ratio (DSR): Applicants with a high DSR are NOT ELIGIBLE to apply. The scheme does not consider CCRIS and CTOS records. Applicants must disclose any commitments outside of pay slips, such as credit cards, house or vehicle installments, personal loans paid through bank account deductions or bank-in, and others.

How to Apply a Personal Loans Coshare KFH 3.88%

To applicants who are interested in this personal loans Coshare KFH 3.88% personal loan package, you can download the application form here. You must also fill in your personal details as below and send to our Whatsapp number as below.

MAKLUMAT PEMOHON

  1. Nama Penuh :
  2. No I/C :
  3. Alamat Tetap :
  4. Alamat Sekarang :
  5. No Tel Bimbit :
  6. Bilangan Tanggungan :
  7. Taraf Perkahwinan :
  8. Bangsa :
  9. Agama :
  10. Taraf Pemilikan Rumah :
  11. Pendidikan Tertinggi :
  12. Alamat Email :
  13. Nama Ibu :
  14. Tempoh Menetap :

MAKLUMAT PEKERJAAN PEMOHON

  1. Nama Majikan :
  2. Alamat Majikan :
  3. Jawatan :
  4. Tarikh Mula Berkhidmat :
  5. No. Tel. Pejabat :
    6. Gred :
    7. Bahagian / Jabatan :

MAKLUMAT PASANGAN

  1. Nama Penuh Pasangan :
  2. No I/C Pasangan :
  3. Tarikh Lahir Pasangan :
  4. No Tel. Bimbit :
  5. Nama Majikan Pasangan :
  6. Alamat Penuh Majikan Pasangan :
  7. Gaji Pasangan :
  8. Tarikh Mula Berkhidmat :
  9. No. Tel Pejabat Pasangan :

MAKLUMAT RUJUKAN SAUDARA TERDEKAT

  1. Nama Penuh :
  2. Alamat Tetap :
  3. No Tel. Bimbit :
  4. Pertalian Dengan Pemohon :

Dengan ini saya bersetuju dengan semua syarat-syarat yang telah diberitahu oleh Pegawai Pemasaran dan mengesahkan semua maklumat yang diberikan adalah benar. Terima kasih.

Documents Required for Personal Loans Coshare KFH 3.88%

When applying for a personal loan with Coshare KFH at the special interest rate of 3.88%, certain documents are necessary to facilitate the process. Here’s a list of the required documents:

  • IC & Police ID: Colored copies are required. If you are a police officer, include your police ID. These documents can be submitted via WhatsApp.
  • ANM & HRMIS Password: Customers, especially police officers, need to provide their ANM (Anggaran Pendapatan Bulanan) and HRMIS (Human Resource Management Information System) passwords. Police officers must print their own HRMIS if applicable.
  • Copy of Payroll Bank Account: This document is compulsory and verifies your payroll bank account.
  • Option Letter: Depending on your age and the loan package duration, you may need to provide an option letter:
    • If aged 39 and above, an option letter is required for a 15-year package.
    • If aged 45 and above, an option letter is required for a 10-year package.
  • Confirmation Letter: If applying through KFH, a confirmation letter is mandatory. For JCL applications, if the employer does not cooperate, applicants must request a confirmation letter.

Ensuring that you have all the necessary documentation prepared and in order will streamline the application process and increase the chances of approval for your personal loan with Coshare KFH at the favorable interest rate of 3.88%.

Please click here to get the details of Coshare KFH JCL Criteria Personal Loan

Frequently Asked Questions (FAQ) about Coshare KFH 3.88%

Curious about Coshare KFH 3.88%? Explore our FAQ section for answers to common questions. Find out more about our services, policies, and how we can meet your needs. Dive into our FAQ to discover everything you need to know before getting started. Start exploring now!

Why does Coshare KFH required colored copy of MyKad?

Yes a colored copy of MyKad is required to apply for personal loans Coshare KFH 3.88%. You can WhatsApp a copy of your colored IC to the WhatsApp number as shown. For safety, you are encouraged to draw a small double horizontal line on the top right corner and put remarks such as “For Coshare use only” so that your IC is not misused by others in the future.

What is the best personal loan you can apply for in this Covid-19 pandemic?

Many were effected by the high financial burden during Covid-19 pandemic. Therefore, we are pleased to launch the MCO personal loan promotion – Movement Control Order 3.0 for you. There are 3 financing schemes without employer confirmation (loan tanpa pengesahan majikan) that you can apply for, namely Coshare KFH 3.88%, Coshare JCL 6.65% and Coshare JL 7%. Just Whatsapp our hotline number at 019-2983056 to get more information and clarification on this best financing package ever.

If you are familiar with Yayasan Ihsan Rakyat YIR, Apply personal loans now!

Remember ‘Protect Yourself … Protect All’ …

What are the 5 steps to apply for a Coshare personal loan - Kuwait Finance House (interest rate 3.88%)?

If you’re interested in applying for personal loans Coshare KFH 3.88%, follow these simple steps to initiate the application process:

  • Step 1: Submit Salary Slip and Financial Information
    • Start by WhatsApping your latest salary slip to 019-2983056.
    • Additionally, inform us if you have a high blacklist record or bankruptcy, and specify which loan package suits your financial status.
  • Step 2: Eligibility Assessment
    • Our team will calculate your eligibility based on the information provided.
    • We will then inform you which loan package is most suitable for your financial situation.
  • Step 3: Complete Applicant Information
    • Fill in the applicant’s information accurately and thoroughly.
    • Send the completed form via WhatsApp to 019-2983056.
  • Step 4: Download and Fill Application Form
    • Download the application form from the provided page.
    • Fill in the form using a black wet ink pen.
    • Ensure all fields are completed and signed consistently.
    • Attach any supporting documents as required.
  • Step 5: Submit Completed Application
    • Once the application form is filled and all necessary documents are attached, send it to us.

Following these five steps will facilitate the application process for personal loans from Coshare KFH 3.88%, ensuring a smooth and efficient experience. If you have any questions or need assistance at any stage, feel free to contact us at the provided WhatsApp number.

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