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  1. Can my personal loan under salary deduction be restructured in the DMP?
    Restructuring of personal loans through salary deduction is allowed only for the following financial institutions:
    • Bank Kerjasama Rakyat Malaysia Berhad
    • MBSB Bank
    • Bank Islam Malaysia Berhad
    • Bank Simpanan Nasional

  2. Can a bankrupt enrol in the DMP?
    No. However, the individual can refer to the Malaysian Department of Insolvency (MdI) for further assistance.

  3. Can a hire-purchase be restructured under the DMP?
    Yes, but only hire purchase loans with following financial institutions: 
    • Bank Islam Malaysia Berhad
    • AmBank (M) Berhad, AmIslamic Bank Berhad

    A hire purchase with other financial service providers may be considered on a case-to-case basis.

  4. Can a housing loan be restructured under the DMP?
    Yes, but only housing loans with followong financial institutions:
    • Affin Bank Berhad, Affin Islamic Bank Berhad
    • Alliance Bank Malaysia Berhad, Alliance Islamic Bank Berhad
    • AmBank (M) Berhad, AmIslamic Bank Berhad
    • Bank Islam Malaysia Berhad
    • Bank Muamalat Malaysia Berhad
    • Bank Simpanan Nasional
    • CIMB Bank Berhad, CIMB Islamic Bank Berhad
    • Hong Leong Bank Berhad, Hong Leong Islamic Bank Berhad
    • Maybank, Maybank Islamic Berhad
    • Public Bank Berhad, Public Islamic Bank Berhad
    • RHB Bank Berhad, RHB Islamic Bank Berhad

    A housing loan with other financial service providers may be considered on a case- to- case basis.

  5. Can my PTPTN loan be restructured under the DMP?
    Yes, on the condition that the applicant has other loans taken from participating financial service providers.If the customer only has a PTPTN loan, he/she will need to negotiate its restructuring directly with PTPTN.

  6. Can AKPK restructure loans with a company or by licensed money lenders?
    No. AKPK can only restructure loans with the participating financial service providers.

  7. Can AKPK restructure education loans?
    AKPK can only restructure education loans with PTPTN.

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Which facility that currently concern you the most on the repayment?
  1. Credit cards
  2. Personal Loan / Finance
  3. Hire Purchase / Automobile Finance
  4. Housing Loan / Finance
  5. All of above

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