Step 01
Check your eligibility
Confirm you're a permanent civil servant with an active Biro Angkasa deduction account.
Step 02
Submit your documents
Upload your MyKad and latest payslips when you apply.
Step 03
Get your decision
Our underwriting team reviews your application and returns a decision, typically within 2 business days.
Step 04
Receive your funds
Once approved and your agreement is signed, funds are disbursed directly to your bank account.
It takes about 10 minutes.
Start whenever you're ready — save your progress and pick up where you left off.