Loan Without Mortgage

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Loan needs no Mortgage / Pinjaman tanpa Cagaran

Loan without Thrift

Pinjaman tanpa Menyimpan Dulu

Koguru offers personal loan to its members without thrift beforehand. Payments can be paid back by installments via ANGKASA from one year to five years, the maximum.  

Minimum loan a member can apply for is Ringgit Five thousand ( RM5,000) and the maximum loan is Ringgit Ten thousand ( RM10,000)

Who can apply?

This loan scheme is open to the members of Koguru/STU only. If a STU member is not Koguru’s member, he/she must apply for Koguru’s membership first then he can apply for the loan.

Siapa boleh memohon?

Skim Pinjaman ini adalah terbuka kepada ahli Koguru/STU sahaja. Seorang ahli STU mesti memasuki Koguru dahulu sebelum boleh memohon pinjaman ini.

Requirements:

1.      Must have Pay Slip from the relevant Department.

2.      Payments can be done via ANGKASA installments.

3.      Must buy one single Life Insurance Policy (which is very cheap) to cover the loan from Koguru. Please refer to the Insurance Plans above.

4.    Apply via Koguru and Angkasa’s application forms.
(Koguru's "Loan Application Form" can be downloaded from this website.)

Interest for the Loan:

Interest Rate is 6% per annum. There is no other hidden charge besides processing fee of RM10.

English

B.M.

·        Easy to Apply.

·        Mudah Dipohon.

·        All information are confidential.

·        Maklumat Dirahsiakan.

·        Need no Registration.

·        Tanpa Pendaftaran.

·        Need No Mortgage/Guarantor.

·        Tanpa Cagaran/Penjamain.

·        Low Interest Rate.

·        Faedah sangat Rendah.

·        Payments via  ANGKASA.

·        Bayaran melalui ANGKASA.

Koperasi Guru Sarawak Berhad

Wisma STU

Lot 10966

Jalan Song, 93350 Kuching.

Tel: 082-454810

 

E-mail: koguruswk@yahoo.com

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