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

• 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% total deductions allowed, whichever is the lower of the two values.
• Repayment will include an additional 0.85% charge per annum imposed on the approved financing to replace the guarantor (Al Kafalah concept).
• Applicants have paid monthly fees for a minimum duration of 6 months (for new members) or 12 months (for re-entry).

• For financing of up to RM15,000 : RM30 per month
• For financing between RM15,001 to RM100,000 : RM40 per month

• New financing : RM10
• Overlap financing : RM50
• CTOS/CCRIS Check : RM5/RM7
• Financing of RM1000 and below: The minimum stamp duty is set at RM10.
• Financing of RM1000 and above: RM5 for every RM1000 or part thereof, or as stipulated in the Stamp Duty Act 1949 and its amendments from time to time.

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