🎉
We are pleased to announce a new product
YTAA Financing Package
Interest Rate: 7.99%
Payout: Up to 70%
Processing Fee: RM15
Legal Requirement: Applicable for financing above RM50,000
Eligibility:
Open to AG, State, University & GLC staff
Assessment Criteria:
Debt Service Ratio (DSR): Up to 120%
Housing & car loans: Generally acceptable (subject to case-by-case evaluation)
Personal loan (PLOAN): If legal/commitment is too high → High risk, may be rejected
📢 EVERGREEN 15-YEAR FINANCING PACKAGE
Key Features:
Interest Rate: 7.99%
Payout: Up to 70%
Processing Fee: RM10
Loan Amount: RM1,000 – RM200,000
Funding: Internal Fund
Facility Type: Fresh Loan + Overlap
Eligibility & Criteria:
Legal cases: Allowed below RM80,000
Debt Service Ratio (DSR): Up to 100%
Target Sector: AG, State, GLC, Universities
Not Eligible:
Bankruptcy cases (even if released but still appearing in CCRIS/CTOS)
Lower-ranking positions
Enforcement / uniform bodies
Sarawak state applicants
FEATURE
2026-04-02
🎉
Senarai koperasi:
1. KOMUJA 7.99% (CTOS ≥ 50K)
2. JUARA / WARGA 9.99% (NO YURAN / MIN 3K LOAN)
3. PORTIERE 7.99% (12 YEAR LOAN)
4. COSHARE 6.65%/8% (12/15 YEAR LOAN)
5. GIATMAJU 9.5% (TENTERA/KONTRAK)
6. NURA 9.99% (PAYOUT TINGGI)
7. UEMSB 7.99% (NO YURAN MIN 1K LOAN)
8. YTAA 7.99% (CTOS ≥ 50K)
9. EVERGREEN 7.99% (15 YEAR LOAN)
FEATURE
2026-01-13
📢
MOBILE VERSION
Our mobile-friendly version is now online — and it’s super easy to use!
1.Open Safari or Chrome on your phone.
2.Visit https://emsuria.com/phone
3Log in using your User ID and Password.
4.Tap Share → Add to Home Screen for quick access next time.
INFO
2025-10-14
🎉
VISIT OUR SUB AGENT PORTAL
Check your submission and status anytime.
User ID: v1
Password: v1
FEATURE
2025-10-14