• The total amount borrowed does not exceed 20 times the value of the applicant’s gross income (salary and fixed allowances) or does not exceed 60% of total deductions allowed, whichever is the lower of the two values.
• Applicants have paid an entry fee of RM10 (RM20 for re-entry), a minimum share capital of RM100 and 6 months fees totalling RM180.

• For financing of up to RM15,000, one guarantor is required.
• For financing over RM15,001, two guarantors are required.
• Guarantors must be members of the co-operative and still be on active duty with the Malaysian Armed Forces.
• For Non-KEMENTAH Members, two guarantors are required and both have to be Armed Forces personnel.

• For financing of up to RM15,000 : RM30 per month
• For financing between RM15,001 – RM200,000 : RM40 per month

• New financing : RM10
• Overlap financing : RM50
• CTOS/CCRIS Check : RM5/RM7
• Stamp duty : RM5 per one thousand ringgit or part thereof

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