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

转型贷款数额介于 RM30,000 至 RM50,000
Micro loan amount is between RM30,000 to RM50,000 		每年 4% 的利率
4% interest rate per year
为期 3 至 5 年 (36 至 60 个月) 的分期付款期限
Installment duration of 3 to 5 years (36 to 60 months) 		分期付款将通过申请者的指定银行偿还
The repayment will be performed through the applicant’s respective bank

申请者
Applicant

担保者
Guarantor
生意经营少于一年 (以SSM 注册日期为准) (需要一位担保人)
For business operation less than 1 year
(Date according to SSM registration)

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. 		年龄介于 21 ～ 55 岁之间
Age between 21 and 55 years old
年龄介于 21 ～ 55 岁之间
Age between 21 and 55 years old 		马来西亚的公民 (非入穷籍的破产人士)
Malaysian (Non-Bankruptcy)
马来西亚的公民 (非入穷籍的破产人士)
Malaysian (Non-Bankruptcy) 		在马来西亚工作
Work in Malaysia
最低月收入为 RM4,000
Minimum income of RM4,000 per month
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

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

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
最新完整个人所得税表格复印本一份
One (1) copy of latest complete set Form BE/B 		若是雇主: 呈交最新完整个人所得税表格复印本一份
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 income tax statement
For employee: One copy of guarantor’s latest three months payslip and EPF statement
最近两年的审核报告/管理账目复印本一份
One (1) copy of latest 2 years of Audited report / Management Account
近期的住家电费单的复印本一份
One copy of applicant’s recent house electricity bill
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
至少三张营业处照片（招牌及营业处内外情形及申请人在营业处）
Minimum three (3) photos of business
(Eg: Signboard & Premises & Applicant in the business location)
最近六个月的公司银行结单
One copy of latest 6 months company bank statement
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