Koperasi Kospeta Malaysia Berhad

Looking for a popular personal loan? Look no further than Koperasi Kospeta Malaysia Berhad. Whether you’re applying for an overlap or fresh loan, you’ll enjoy very low-interest rates. Contact us now for more details about other koperasi loans or bank loans available. We are committed to providing you with the best service possible.

Koperasi Kospeta Malaysia Berhad

Personal Loan from Koperasi Kospeta Malaysia Berhad: Summary

  • Koperasi Name: Koperasi Kospeta Malaysia Berhad
  • Abbreviation / Code Name: KOSPETA
  • Koperasi Promotion Name: General info about personal loan from Koperasi Kospeta Malaysia Berhad
  • Personal Loan Promotion Period: ~ call for confirmation ~
  • Open to: Government
  • Max Loan Amount: RM150k

About Koperasi Kospeta Malaysia Berhad

Koperasi KOSPETA Malaysia Berhad, comprising Local Authority (PBT) Employees, IWK, Alam Flora, Southern Waste Management (SWM), and e-Idaman, has been recognized once again for its outstanding performance, securing a spot in the prestigious 100 Best Cooperative Index. This achievement highlights KOSPETA’s commitment to excellence and member satisfaction.

Ranked 21st among more than 14,000 cooperatives nationwide and 14th in the Federal Territory, KOSPETA has demonstrated exceptional dedication to its members’ welfare and success. This recognition reflects the cooperative’s tireless efforts in providing top-notch services and financial solutions to its diverse membership base.

With this remarkable accomplishment, Koperasi KOSPETA Malaysia Berhad aims to continue its trajectory of excellence, striving to deliver unparalleled service and support to its members. As it continues to evolve and grow, KOSPETA remains steadfast in its mission to empower its members and contribute positively to the cooperative movement in Malaysia.

Secured Loans (4201) Koperasi KOSPETA Malaysia Berhad

Koperasi KOSPETA Malaysia Berhad offers secured loans under scheme 4201 to its members, providing a financial lifeline to those in need. Here’s what you need to know about this personalized financing option:

Financing Details:

  • Loan Amount: Up to RM80,000.00, limited to 30 months of the applicant’s salary mixed with total capital fees paid and deducted member liabilities, excluding the secured financing scheme.
  • Eligibility Criteria:
    • No outstanding debt balance of 90% financing scheme or instant financing scheme.
    • Minimum of 4 guarantors, comprising qualified members, covering the entire financing amount.
    • Repayment period not exceeding 120 months.
  • Service Charge: 5.2% per annum.
  • Repayment and Application:
    • Financing repayment can be utilized for new financing applications, with a service fee of RM10.00 charged.
    • Submission of original and current salary statements, and for contract workers, the latest contract letter is required.
  • Restrictions: Members must settle previous funding before applying for new financing.

Member Benefits

KOSPETA members enjoy a range of benefits tailored to alleviate financial burdens:

  • Financing Facility: Members can apply for various financing plans, including real estate, investments, vehicles, education, emergencies, and more, providing flexible solutions to their financial needs.

This scheme reflects KOSPETA’s commitment to supporting its members by offering accessible and transparent financing options, empowering them to achieve their financial goals effectively.

Personal Loan from Koperasi Kospeta: 90% Financing (4202)

Koperasi Kospeta Malaysia Berhad offers a personalized financing option with 90% financing under scheme 4202, tailored to meet the diverse financial needs of its members. Here’s a breakdown of the eligibility criteria and features:

Eligibility Criteria:

  • Funding Limit: Funding amount not to exceed 90% of the total capital of the membership fee.
  • No Outstanding Balances: Members must have no secured financing balance or instant financing.
  • No Guarantor or Collateral Required
  • Repayment Period: Financing repayment period not exceeding 60 months.
  • Service Fee: 5% per annum.

90% Financing (4202) Personal Financing – TPTP (4201TP) Koperasi Kospeta

This financing scheme, designed to provide financial assistance to members without the need for additional guarantors, offers flexible terms and benefits. Here’s what you need to know:

Eligibility Criteria:

  • Minimum Share Amount: RM3,000.00.
  • Payment Period: Up to 120 months.
  • No Guarantor Required: Qualified to Permanent status member.
  • Employer Confirmation: Confirmation from the Employer and 2 witnesses required.
  • TPTP Charge: 3% of the financing amount.
  • Emergency Financing: Eligible for emergency financing of RM2,000.00 only.
  • Restriction: Not eligible to apply for other TPTP funding.

These financing options reflect Kospeta’s commitment to providing accessible and transparent financial solutions to its members, empowering them to achieve their financial goals effectively.

Secured Loan



90% Financing



Overlap Loan



Overlapping Personal Loan Koperasi Kospeta

The overlapping personal loan scheme offered by Koperasi Kospeta aims to provide financial assistance to members in need, even if their previous financing has not been fully settled. Here are the key features of this financing option:

  • Maximum Funding Eligibility: Members can receive maximum funding either in a single application or in stages. If the financing is done in stages, the maximum eligibility is determined based on the first application.
  • Eligibility Criteria:
    • Financing can be availed under the Guaranteed Financing scheme or 90% Financing on share capital.
    • Previous financing must have been settled in excess of 50%, with payments made through salary deductions.
    • Submission of original and current salary statements is required.
    • Contract workers need to submit the latest contract letter.

This scheme offers flexibility to members who may require additional financial support before their previous financing is fully repaid. By providing accessible and transparent financing options, Kospeta aims to empower its members to address their financial needs effectively.

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