在开始填写表格之前，请先阅读微型贷款的申请条件
Please read the application requirement for micro credit before you start filling out the form

申请者
Applicant

担保者
Guarantor
For business operation less than 6 months
(Date according to SSM registration)
生意经营少于6个月 (以SSM 注册日期为准) (需要一位担保人)

西马申请者必须注册于马来西亚公司委员会 (SSM) 及地方政府 (PBT)。
而沙巴与砂拉越申请者只需有地方政府 (PBT) 注册即可
Applicants for West Malaysia must be registered with the Companies Commission
of Malaysia (SSM) and Local Council License (PBT) .For Sabah and Sarawak applicants,
Local Council License (PBT) is required. 		马来西亚的公民 (非入穷籍的破产人士)
Malaysian citizen (Non-Bankruptcy)
年龄介于 18 ～ 60 岁之间
Age between 18 and 60 years old 		年龄介于 18 ～ 60 岁之间
Age between 18 and 60 years old
马来西亚的公民 (非入穷籍的破产人士)
Malaysian citizens (Non-Bankruptcy) 		最低月收入为 RM1,500
Minimum income of RM1,500 per month
微型贷款数额介于 RM5,000 至 RM20,000
Micro loan amount is between RM5,000 to RM20,000 		每年 4% 的利率
4% interest rate per year
在马来西亚工作
Work in Malaysia 		不能与申请人有工作关系，除非有其他工作收入证明
Not working directly with applicant, unless other proof of income is provided
为期 2 至 5 年 (24 至 60 个月) 的分期付款期限
Installment duration of 2 to 5 years (24 to 60 months)
分期付款将通过由 YPPKM 所指定银行偿还
The repayment will be performed through the appointed bank by YPPKM

请确保您已准备好以下电子档文件，预留至少20分钟填写申请表格
Please ensure that you have prepared the following documents, and allow at least 20 minutes to fill out the application form

申请者需要的文件
Required documents for Applicant

担保者需要的文件
Required documents for Guarantor
For business operation less than 6 months
(Date according to SSM registration)
生意经营少于6个月 (以SSM 注册日期为准) (需要一位担保人)

身份证 (前后) 复印本一张
One copy of applicant’s IC (front & back) 		身份证 (前后) 复印本一张
One copy of guarantor’s IC (front & back)
半身照一张 (可自拍)
One copy of applicant’s selfie 		半身照一张 (可自拍)
One copy of guarantor’s selfie
近期的住家电费单的复印本一份
One copy of applicant’s recent house electricity bill 		若是雇主: 呈交最新完整报税单
若是雇员: 呈交近期三个月的薪资单和公积金单
For employer: One copy of guarantor’s latest complete set Form B statement
For employee: One copy of guarantor’s latest three months payslip and EPF statement
商业注册复印本
One copy of complete set SSM business registration
地方政府执照复印本 (如有)
One copy of Local Council License (If Any)
至少三张营业处照片
Minimum Three photos of business signboard & premises
商业计划书复印本 （只限想要开始创业的）
One copy of Business Proposal (For Startup)
最新三个月的公司银行结单
One copy of latest 3 months company bank statement
公积金账户报表或完整 BE/B/EA 表格一份 (选择性)
One copy of latest complete set Form BE/B/EA/EPF Statement (Optional)
当申请者填写了担保者的基本资料，YPPKM 系统将会发出一封电子邮件给担保者。担保者须从邮件内点击并提交相关文件
Once applicant completed basic information for guarantor, an email will be sent from YPPKM to guarantor to request for relevant documents. Please inform guarantor for next action.
我已准备好
I'm ready