Koperasi Tentera (KATMB)

Welcome to KATMB, where personalized financial solutions meet your unique needs. Our personal loans at Koperasi Tentera are designed to provide you with the support you need, backed by exclusive benefits and efficient approval processes. Whether you’re looking to consolidate debt, cover unexpected expenses, or pursue your dreams, our personal loan options have you covered.

About Koperasi Tentera

People Are Our Priority

At Koperasi Tentera or KT and KATMB, we take immense pride in our legacy of service and commitment to creating value for our members. Since our establishment in 1960, we have undergone a remarkable transformation from a military thrift and loan co-operative to one of Malaysia’s premier credit co-operatives. Over the years, we have had the privilege of serving over 154,933 members, including Armed Forces personnel and civil servants associated with the Ministry of Defence.

Evolution and Growth

As of December 31, 2017, we have embarked on a journey towards becoming a fully-fledged Co-op Bank, registered with the Co-operative Commission of Malaysia (CCM or Suruhanjaya Koperasi Malaysia). This strategic evolution allows us to expand our reach and cater to the diverse needs of a broader audience. We are committed to offering a comprehensive suite of attractive product and service offerings while remaining steadfast in our dedication to serving people.

Personal Loan Solutions

One of the cornerstones of our offerings is our personal financing solutions provided through Koperasi Tentera KT KATMB (Koperasi ATM). Our personal loans come with great packages designed to meet the financial needs of our members.

Shariah-Compliant Financing

At KT, we understand the importance of adhering to Islamic principles in all our financial dealings. That’s why our personal financing solutions are Shariah-compliant, ensuring that they align with the ethical and moral values of our members. We tailor our banking solutions to suit the individual needs of our members while upholding the highest standards of integrity and transparency.

In essence, at Koperasi Tentera KT KATMB, people are our priority. We remain dedicated to providing exceptional service, fostering financial inclusion, and empowering our members to achieve their financial goals.

Financial Solutions

Experience the convenience and speed of swift financial solutions with KATMB’s express loan at Koperasi Tentera. Enjoy quick approvals and exclusive benefits tailored to meet your financial needs.

Key Features of KATMB’s Express Loan:

• Variety of Loan Options: Koperasi Tentera KT KATMB offers express loan 1, 2, and 3, catering to various individuals and purposes.
• Maximum Loan Amount: Access up to RM200,000 to fulfill your financial requirements and aspirations.
• Quick Approvals: Benefit from rapid approval processes, ensuring that you receive the funds you need promptly.
• Exclusive Benefits: Enjoy exclusive benefits and privileges designed to enhance your borrowing experience.

Act Now!

Don’t miss out on the opportunity to unlock swift financial solutions with KATMB’s express loan. Act now and click here to discover more details and begin your journey towards financial freedom.

Seize the moment and take advantage of KATMB’s express loan to achieve your financial goals with ease and efficiency!

Express Financing

Unlock the potential of Koperasi Tentera’s personal loans with our express financing options. Here are the specifications:

• Financing Amount: Ranges from RM600 to a maximum of RM20,000, tailored to meet your financial needs.
• Financing Tenure: Flexible repayment periods available, ranging from 6 months to a maximum of 96 months, providing you with convenience and flexibility.
• Profit Rate: Enjoy a competitive profit rate of 3.65% per annum, ensuring affordability and cost-effectiveness.
• Processing Period: Experience swift processing with approvals typically granted within 1 working day, ensuring you receive your funds promptly.

Eligibility:

To qualify for our express financing, applicants must meet the following criteria:

• The applicant’s length of service must exceed the financing tenure or repayment period.

Conditions:

• Repayment will include an additional charge of 0.85% imposed per annum on the approved financing to replace the guarantor (Al Kafalah concept).
• Applicants must have paid monthly fees for a minimum duration of 6 months (for new members) or 12 months (for re-entry). Membership has to have been confirmed for the same period.

Service Charge:

• New financing: RM10
• Overlap financing: RM20
• Stamp duty: RM5 per one thousand ringgit or part thereof.

Payment Schedule for Express Financing:

*Subject to Terms and Conditions

For more detailed information or assistance, please visit the nearest Koperasi Tentera branch or contact KT Customer Care Centre at 1-300-8000-58.

Unlock your financial potential with Koperasi Tentera’s express financing options today!

Express Financing 2

Experience hassle-free financing solutions with Koperasi Tentera’s Personal Loans Express Financing 2. Here are the specifications:

• Financing Amount: Ranges from RM500 to a maximum of RM10,000, tailored to suit your financial needs.
• Financing Tenure: Flexible repayment periods available, ranging from 6 months to a maximum of 60 months, offering convenience and flexibility.
• Profit Rate: Enjoy a competitive profit rate of 3.65% per annum, ensuring affordability and cost-effectiveness.
• Processing Period: Benefit from swift processing, with approvals typically granted within 1 working day, ensuring you receive your funds promptly.

Eligibility:

To be eligible for our Express Financing 2, applicants must meet the following criteria:

• The applicant’s length of service must exceed the financing tenure or repayment period.

Conditions:

• Repayment will include an additional charge of 0.85% imposed per annum on the approved financing to replace the guarantor (Al Kafalah concept).
• Applicants must have paid monthly fees for a minimum duration of 6 months (for new members) or 12 months (for re-entry). Membership has to have been confirmed for the same period.

Service Charge:

• New financing: RM10
• Overlap financing: RM20
• Stamp duty: RM5 per one thousand ringgit or part thereof.

Payment Schedule for Express Financing 2:

*Subject to Terms and Conditions

For more detailed information or assistance, please visit the nearest Koperasi Tentera branch or contact KT Customer Care Centre at 1-300-8000-58.

Experience the ease and convenience of Koperasi Tentera’s Personal Loans Express Financing 2 today!

Express 3 Financing

Unlock swift financial solutions with Koperasi Tentera’s Personal Loans Express 3 Financing. Here are the specifications:

• Financing Amount: Ranges from RM600 to a maximum of RM6,000, providing you with the funds you need to meet your financial goals.
• Financing Tenure: Enjoy flexible repayment periods, ranging from 6 months to a maximum of 48 months, offering convenience and flexibility.
• Profit Rate: Benefit from a competitive profit rate of 4.25% per annum, ensuring affordability and cost-effectiveness.
• Processing Period: Experience swift processing, with approvals typically granted within 1 working day, ensuring you receive your funds promptly.

Eligibility:

To qualify for our Personal Loans Express 3 Financing, applicants must meet the following criteria:

• The applicant’s length of service must exceed the financing tenure or repayment period.

Conditions:

• Repayment will include an additional charge of 0.85% per annum on the approved financing amount to replace the guarantor (Al Kafalah concept).
• Applicants must have paid monthly fees for a minimum duration of 6 months (for new members) or 12 months (for re-entry). Membership has to have been confirmed for the same period.

Service Charge:

• New financing: RM10
• Overlap financing: RM20
• Stamp duty: RM5 per one thousand ringgit or part thereof.

Payment Schedule for Express Financing 3:

*Subject to Terms and Conditions

For more detailed information or assistance, please visit the nearest Koperasi Tentera branch or contact KT Customer Care Centre at 1-300-8000-58.

Unlock swift financial solutions with Koperasi Tentera’s Personal Loans Express 3 Financing today!

Personal Loan with Guarantors

Specifications

For individuals seeking substantial financing options, Koperasi Tentera offers personal loans with guarantors, providing a range of benefits and flexible terms to suit diverse financial needs.

Financing Details

Are you looking for a reliable source of funding for your various financial needs? Koperasi Tentera’s personal loans with guarantors might be the perfect solution for you. Here are the key details:

• Financing Amount: Up to a maximum of RM200,000
• Financing Tenure: From 6 months to a maximum of 120 months
• Profit Rate: 5.65% per annum
• Processing Period: 5 working days

Whether you need funds for education, home improvement, or any other purpose, our personal loans can provide you with the financial support you require. With competitive profit rates and convenient repayment terms, you can achieve your goals without worrying about financial constraints.

Eligibility Criteria

To qualify for our personal loans with guarantors, applicants must meet the following criteria:

• The total borrowed amount must not exceed 20 times the applicant’s gross income or 60% of total deductions allowed, whichever is lower.
• Applicants are required to have paid an entry fee of RM10 (RM20 for re-entry), maintain a minimum share capital of RM100, and have six months’ fees totaling RM180.
• Guarantors must be members of the co-operative and active duty Malaysian Armed Forces personnel.
• For non-KEMENTAH members, two guarantors who are Armed Forces personnel are required.

Guarantor Requirements

Ensure a smooth loan application process by understanding the requirements for guarantors:

• For financing up to RM15,000, one guarantor is required.
• Financing exceeding RM15,001 requires two guarantors.
• Guarantors must be active duty Malaysian Armed Forces personnel.

Monthly Fees and Service Charges

We believe in transparent and fair pricing. Here’s an overview of the fees and charges associated with our personal loans:

• Monthly fees range from RM30 for financing up to RM15,000 to RM40 for financing between RM15,001 and RM200,000.
• Service charges include RM10 for new financing, RM50 for overlap financing, and RM5/RM7 for CTOS/CCRIS checks.
• Stamp duty is RM5 per one thousand ringgit or part thereof.

Payment Schedule

Payment schedule subject to terms and conditions.

For further information, visit the nearest Koperasi Tentera branch or contact KT Customer Care Centre at 1-300-8000-58.

Experience hassle-free financing solutions tailored to your needs with Koperasi Tentera. Apply for a personal loan with guarantors today and take a step towards achieving your financial goals.

Personal Loan without Guarantors

Specifications

Empower yourself with financial flexibility and freedom through Koperasi Tentera’s personal loans without guarantors. Tailored to meet the needs of Armed Forces personnel and civil servants, our loans offer competitive rates and convenient terms to help you achieve your goals.

Financing Details

Here are the key specifications of our personal loans without guarantors:

• Financing Amount: Maximum of RM100,000
• Financing Tenure: From 6 months to a maximum of 120 months
• Profit Rate: 3.65% per annum
• Processing Period: 5 working days

Whether you’re planning for education, home renovations, or any other financial need, our loans provide the financial support you require with attractive profit rates and flexible repayment options.

Eligibility Criteria

To qualify for our personal loans without guarantors, applicants must meet the following criteria:

• Applicants must be Armed Forces personnel or civil servants employed by the Ministry of Defence, holding permanent positions and confirmed in service.
• The applicant’s length of service must exceed the financing tenure or repayment period.
• Membership is restricted to individuals who have held their membership for a minimum of five years or hold the rank of Lance Corporal and above, or equivalent.

Conditions

Ensure a smooth loan application process by understanding the conditions associated with our personal loans:

• The total borrowed amount must not exceed 20 times the applicant’s gross income or 60% of total deductions allowed, whichever is lower.
• Repayment includes an additional 0.85% charge per annum imposed on the approved financing to replace the guarantor (Al Kafalah concept).
• Applicants must have paid monthly fees for a minimum duration of 6 months for new members or 12 months for re-entry.

Monthly Fees and Service Charges

We believe in transparent pricing. Here’s an overview of the monthly fees and service charges associated with our personal loans:

• Monthly fees range from RM30 for financing up to RM15,000 to RM40 for financing between RM15,001 and RM100,000.
• Service charges include RM10 for new financing, RM50 for overlap financing, and RM5/RM7 for CTOS/CCRIS checks.
• Stamp duty is RM5 per one thousand ringgit or part thereof.

Payment Schedule

Payment schedule subject to terms and conditions.

For further information, visit the nearest Koperasi Tentera branch or contact KT Customer Care Centre at 1-300-8000-58.

Experience hassle-free financing solutions tailored to your needs with Koperasi Tentera. Apply for a personal loan without guarantors today and take control of your financial future.

Contact Koperasi Tentera (KT KATMB)

1, Jalan 2/65c, Pekeliling
50786 Kuala Lumpur

Tel: 1-300-80-0058