You can enjoy an annual rate of at least 7.68% per annum depending on your income level. There are no fees including processing fees or early settlement fees. However, if you fail to make prompt payments, you can be charged a late payment fee of 1% per annum on your outstanding amount. No guarantor or collateral is required. Malaysians and permanent residents working in Malaysia are eligible to apply. Malaysian citizens working in Singapore will also be considered. You must be at least 21 years old with a minimum monthly income of RM3,000 or RM36,000 per annum.
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