Loan

Housing Loan

(Interest Subsidy on housing loans)

Requirements:
a. Permanent / JBC Officer
b. Confirmed in service
c. Ability to repay the loan and its benefits
d. Able to explain the difference between the purchase price and the loan
e. Not the one who owes a sentence or a bankrupt
f. Depending on the quota set

Maximum Eligibility

No	Category/Grade	Comparison
		SFS Circular No. 5/2013- Maximum Eligibility (RM)	SFS Circular No. 4/2002- Maximum Eligibility (RM)
1.	VU5 and above	450,000	350,000
2.	VU6 and VU7	400,000	300,000
3.	47-54 (Category I & II)	380,000	250,000
4.	41-46 (Category IV)	320,000	-
5.	Category IV & V (JKK A24, B1 & B2)	-	200,000
6.	13-40 (Category V-XI)	250,000	140,000
7.	11-12 (Category XI)	180,000	70,000
8.	1-10 (Category XI)	140,000	70,000

* State Financial Secretary’s Office Circular No.5/2013 – Government Officer’s Housing Loan Scheme (Amendments) 2013.

Refund Period

Maximum 25 years or before reaching 55 years or reaching the age of 60 years for officers who choose options according to Pekeliling Bil. 13 Tahun 2011.

Subsidy Eligibility

3% of the loan interest is borne by the officer and the remaining interest rate is borne by Pustaka

Vehicle Loans

(Interest Subsidy on vehicle loans) Subject to the Surat Pekeliling (Perj. Bil. 15/2009) dated 25 June 2009: Pindaan Had Kelayakan Pinjaman/Pembiayaan Membeli Kereta dan Motosikal Bagi Pegawai Perkhidmatan Awam Negeri Sarawak.

Requirements:

• Permanent officer.
  
• Have a driver's license.
  
• Able to pay the difference between costs and loans.
  
• Vehicles to be purchased are for personal use and not used by others.
  
• Depending on the quota that has been set.
  
• Car loans have been extended to officers in the support group (Grades 21 - 30) subject to the above conditions and additional conditions as follows:
  

-Duration of service from first appointment (at least five (5) years of service).
-Confirmed in service

Qualification (Car)	RM
Grade VU7 and above	70,000
Category 41 until 54	65,000
Category 40 and below	55,000

Qualification (Motorcycle)	RM
For All Category	5,000

Refund Period

New Car	not exceeding 9 years / 108 month (maximum)
Used Car	not exceeding 8 years / 96 month (maximum)
New Motorcycle	not exceeding 5 years / 60 month (maximum)
Used Motorcycle	not exceeding 3 years / 36 month (maximum)

Subsidy Eligibility

The interest rate (%) of the loan is borne by the officer and the remaining interest rate is borne by Pustaka

Computer Loan

Requirement :

• Permanent officer
  
• Ability to repay the loan and interest loan
  
• Depending on the quota that has been set
  

Maximum Eligibility:
RM 5,000 (for all Category)