FINANCING

peSARA - i


Shariah-compliant financing for retirees up to 75, 
with flexible repayment options to cater to individual needs.
   
Financing Amount
From RM 500 to a maximum of RM 200,000 or 90% of the total accumulated fees, whichever is lower.
Financing Tenure
Up to a maximum of thirty-one (31) days, subject to the next salary date.
Profit Rate
As low as 1.5% up to maximum 3.5% per annum based on the amount of fees pledged to the financing
Processing Period
Three (3) working days

Unique Features



Designed For

Retired Members


Short-term financing is available for retired members, with a maximum application age of 75.



Lowest

Profit Rate


As low as 1.5% up to maximum 3.5% per annum



Flexible

Repayment Options


Option available for repayment:

    1. monthly installment; or
    2. bullet payment upon financing maturity

Affordable Financing Tailored to You 

Unlock Your Financial Potential


  • Applicants must have paid monthly fees for at least six months (new members) or 12 months (rejoined members). 
  • Financing must be secured with membership subscription fees, which will only be eligible for dividends once the funding is fully settled.
  • Service charge is varies based on financing amount:
    Financing Amount
    (RM)     		Service Charge
    (RM)
    500 – 5,000 10
    5,001 – 50,000 50
    50,001 – 100,000 75
    100,001 – 200,000 100
  • Stamp duty: RM5 per one thousand ringgit or part thereof.

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*Subject to Terms and Conditions


Note: For more information visit the nearest Koperasi Tentera branch or contact KT Customer Care Centre at 03-2303 0000.