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KOWAJA
PERSONAL FINANCING-i

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PRODUCT FEATURES

Personal Financing-i KOWAJA (FIXED BPA)

  • Funding Amount: RM3,000 - RM150,000

  • Financing Period: 1 - 10 years

  • Profit Rate (Fixed Rate): 4.99% - 10% per year

  • Takaful protection: Yes

  • Guarantor: Optional

  • Collateral: None

  • Deposit: None

  • Processing Fees: If any, will be presented in the contract

  • Advance Payment: If any, will be shown in the contract

  • Stamp duty: If any, will be shown in the contract

  • Wakalah charge: If any, will be shown in the contract

  • Early Settlement Fee: If any, will be shown in the contract

  • Late Payment Charges: If any, will be shown in the contract

  • Payment method: Salary deduction through the Space Service Bureau (BPA)

 

KOWAJA Personal Financing (BPA GLC)

  • Funding Amount: RM3,000 - RM150,000

  • Financing Period: 1 - 7 years

  • Profit Rate (Fixed Rate): 7.88% - 10% per year

  • Takaful protection: Yes

  • Guarantor: Optional

  • Collateral: None

  • Deposit: None

  • Processing Fees: If any, will be presented in the contract

  • Advance Payment: If any, will be shown in the contract

  • Stamp duty: If any, will be shown in the contract

  • Wakalah charge: If any, will be shown in the contract

  • Early Settlement Fee: If any, will be shown in the contract

  • Late Payment Charges: If any, will be shown in the contract

  • Payment method: Payroll deductions through the Bureau of Space Services(BPA)

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KOWAJA Personal Financing (SME)

  • Funding Amount: RM15,000 - RM100,000/RM 5 Million (With collateral)

  • Financing Period: 1 - 3 Years

  • Profit Rate (Fixed Rate):11.8% - 13.8% per year

  • Takaful Protection: Yes

  • Guarantor: Yes

  • Collateral: None

  • Deposit: None

  • Processing Fee: If any, will be presented in the contract

  • Advance Payment: If any, will be shown in the contract

  • Stamp duty: If any, will be shown in the contract

  • Wakalah Charges: If any, will be shown in the contract

  • Early Settlement Fee: If any, will be shown in the contract

  • Late Payment Charges: If any, will be shown in the contract

  • Payment method: PD Cheques/Standing Instruction

 

Personal Financing-i KOWAJA (BPA CONTRACT)

  • Funding Amount: RM3,000 - RM150,000

  • Financing Period: 1 - 5 Years

  • Profit Rate (Fixed Rate):10.99% per annum

  • Takaful Protection: Yes

  • Guarantor: Yes

  • Collateral: None

  • Deposit: None

  • Processing Fee: If any, will be presented in the contract

  • Advance Payment: If any, will be shown in the contract

  • Stamp duty: If any, will be shown in the contract

  • Wakalah Charges: If any, will be shown in the contract

  • Early Settlement Fee: If any, will be shown in the contract

  • Late Payment Charges: If any, will be shown in the contract

  • Payment method: Payroll deductions through the Bureau of Space Services(BPA)

 

Personal Financing-i KOWAJA (PRIVATE)

  • Funding Amount:RM3,000 - 5X Basic Salary

  • Financing Period: 1 - 3 Years

  • Profit Rate (Fixed Rate):11.8% - 13.8% per year

  • Takaful Protection: Yes

  • Guarantor: Yes

  • Collateral: None

  • Deposit: None

  • Processing Fee: If any, will be presented in the contract

  • Advance Payment: If any, will be presented in the contract

  • Stamp duty: If any, will be presented in the contract

  • Wakalah Charges: If any, will be presented in the contract

  • Early Settlement Fee: If any, will be presented in the contract

  • Late Payment Charges: If any, will be presented in the contract

  • Payment method: Standing Instruction/PD Cheques/Autodebit

 

Personal Financing-i KOWAJA (PROFESSIONAL)

  • Funding Amount:RM3,000 - 5X Basic Salary

  • Financing Period: 3 - 5 Years

  • Profit Rate (Fixed Rate):10% per year

  • Takaful Protection: Yes

  • Guarantor: Yes

  • Collateral: None

  • Deposit: None

  • Processing Fee: If any, will be presented in the contract

  • Advance Payment: If any, will be presented in the contract

  • Stamp duty: If any, will be presented in the contract

  • Wakalah Charges: If any, will be presented in the contract

  • Early Settlement Fee: If any, will be presented in the contract

  • Late Payment Charges: If any, will be presented in the contract

  • Payment method: Standing Instruction/PD Cheques/Autodebit

​

WARNING: Choice of financial products based on the qualifications and profile you fill in during the matching process. Financial offers and personal financing profit rates may depend on individual risk levels or other criteria (determined by the financial institution). As-Sidq does NOT issue any financial products or charge additional fees to apply for the financial products displayed on this site.

QUALIFICATIONS

Personal Financing-i KOWAJA (FIXED BPA)

  • Citizens: Malaysia only

  • Age Requirements: 19 - 60 years 

  • Minimum Monthly Income: RM1,500 gross salary per month (including allowances)

  • Jobs: Government Employees, permanent position (minimum 6 months of service)

  • Location: Entire Malaysia

  • The final interest rate set based on length of employment and CTOS CCRIS records

 

Personal Financing-i KOWAJA (BPA GLC)

  • Citizens: Malaysia only

  • Age Requirements: 19 - 60 years 

  • Minimum Monthly Income: RM1,500 gross salary per month (including allowances)

  • Jobs: GLC, permanent position (minimum 1 year after being confirmed to serve)

  • Location: Peninsular Malaysia

  • Final interest rate set based on length of employment and CTOS CCRIS records

 

Personal Financing-i KOWAJA (BPA Contract)

  • Citizens: Malaysia only

  • Age Requirements: 19 - 60 years 

  • Minimum Monthly Income: RM1,500 gross salary per month (including allowances)

  • Jobs: Contract (minimum 1x extended contract)

  • Location: Peninsular Malaysia

  • Salary deduction does not exceed 60%. rates are set for contract government employees

 

Personal Financing-i KOWAJA (PRIVATE)

  • Citizens: Malaysia only

  • Age Requirements: 19 - 60 years 

  • Minimum Monthly Income: RM4,000 gross salary per month (including allowances)

  • Jobs: Fixed

  • Location: Klang Valley

  • Salaries below RM4000 that are outside the Klang Valley can be accepted 

 

Personal Financing-i KOWAJA (PROFESSIONAL)

  • Citizens: Malaysia only

  • Age Requirements: 31 - 60 years 

  • Minimum Monthly Income: RM4,000 gross salary per month (including allowances)

  • Jobs: Fixed

  • Location: Klang Valley 

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Personal Financing-i KOWAJA (SME)

  • Citizens: Malaysia only

  • Age Requirements: 19 - 60 years 

  • Type of Business: Enterprise/Partnership/Sdn Bhd business owner/Director/Shareholder

  • Location: Peninsular Malaysia

  • Must be registered with ssm. preferably have an audited account/management account report, business premises

DOCUMENTS THAT NEED TO BE PROVIDED

Permanent salaried applicants (general sector):

  • Copy of MyKad Identification Card (front & back)

  • Copy of Salary Statement for the last 3 months (verified)

  • Copy of Bank Statement (with salary crediting) for the last 3 months

  • Position Confirmation Letter (with employer's letterhead)

  • Utility bills (eg: water, electricity, Astro confirmed bills)

  • Settlement statement (if overlapping any Bank / Cooperative)

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