1. RA packages 2021-06-28 1145am



Six-month loan moratorium is available to all individuals (B40, M40, and T20),
microenterprises, and affected SMEs starting 7 July 2021.

Category Repayment Assistance
All individuals (B40, M40 and T20) Moratorium for 6 months.
No supporting documentation required.
All microenterprises*
All SMEs* adversely affected by the pandemic Moratorium for 6 months.
No supporting documentation needed.
Only self-declaration needed.

* As defined by SME Corporation Malaysia

Customised assistance (e.g. reduced instalments) to suit individual's financial needs and circumstances is also available.

Please contact your bank from 7 July 2021 onwards for details.

2. Selecting RA packages

How to obtain the 6-month moratorium

To opt in, contact your bank from 7 July 2021 onwards.

  • Visit your bank's website to find out how to apply via web form, email, or phone call.
  • Fill in your personal and financing details.
  • Tick the boxes on the terms of the repayment assistance.
  • Your bank will process your application within 5 calendar days (for individuals) or 14 calendar days (for microenterprises and SMEs).
  • If you face difficulties with your bank, or have not received any response from your banks within the timeframe, you may contact BNMTELELINK or fill up bnm.my/RAsurvey to lodge a complaint.

Borrowers who can afford to continue their loan repayments should do so.

Repayment Assistance selections made in 2021 will not affect your CCRIS records.
If you need guidance or wish to explore alternative options for your repayment assistance, you may contact AKPK at services.akpk.org.my
SMEs (including microenterprises) can request for assistance through AKPK's dedicated SME Help Desk at akpk.org.my/smehelpdesk The virtual help desk provides free financial advice and facilitates applications for repayment assistance.

Between 1 June 2021 and 24 December 2021, more than 2.7 million individual borrowers and 95,700 SME borrowers had obtained repayment assistance.

3. List of Banks RA pages

4. RA Videos


5. RA Infographics