Dibuka — disahkan · 2026-10-12

Relief and Adaptation Facility (RAFt)

Penyedia: Bank Negara Malaysia (via participating financial institutions)

Halaman ini menerangkan keluarga skim yang telah kami sahkan dengan sumber rasminya. Syarat boleh berubah — sentiasa sahkan kriteria, kos dan ketersediaan semasa dengan penyedia sebelum memohon.

Butiran skim

Penyedia: Bank Negara Malaysia (via participating financial institutions)
Jenis instrumen: soft loan
Tahap tiket: Medium
Sumber terakhir disemak: 2026-10-12
Julat tiket indikatif: Up to RM1,000,000 · Angka indikatif — sahkan terus di sumber
Untuk siapa: flood-affected SMEs (relief) and SMEs previously flooded or in flood-prone areas (adaptation)
Syariah: Konvensional & Islam

Kegunaan wang yang dibenarkan

relief: repair/replacement of damaged assets and/or working capital (no refinancing)
adaptation: capex and related costs to reduce flood risk (e.g. flood assessments
relocation excl. land/property
flood insurance/takaful)

Cara kami menyemak

Re-verified 2026-10-12; CHANGED: rate split clarified from FAQ (relief-only 3.5%, adaptation 3.0%), RM1m cap applies to each type (max RM2m combined), added no-collateral and flood risk assessment requirement. RAFt replaced the Disaster Relief Facility (DRF) in Aug 2025. Total allocation not stated.

Apa yang anda perlukan

Seperti yang diterbitkan oleh penyedia. Apa-apa yang tiada di sini — tanya mereka sebelum memohon.

Siapa yang layak: relief: SMEs in NADMA-declared flood disaster districts, apply within 12 months of the flood; adaptation: SMEs previously affected by (flash) floods and/or in flood-prone areas
Dokumen untuk disediakan: per PFI; physical adaptation financing of RM500,000–RM1m requires a Flood Risk Assessment by a specialist flood risk engineer (financeable)
Kosnya: relief only: up to 3.50% p.a.; adaptation, or relief + adaptation: up to 3.00% p.a. (inclusive of 0.5% p.a. guarantee fee where guaranteed)
Tempoh untuk membayar balik: up to 7 years (relief includes built-in 6-month moratorium)
Cagaran atau penjamin: PFIs shall not require collateral; up to 80% guarantee by CGC or SJPP at 0.5% p.a. (guarantor may require collateral)
Cara memohon: via participating financial institutions (bnm.gov.my/raft-pfis_en)

Sumber rasmi

Permohonan hanya dibuat melalui saluran rasmi penyedia — tidak pernah di sini. Kami tidak memproses permohonan atau mengambil dokumen anda.

Mohon di sumber rasmi

https://www.bnm.gov.my/documents/20124/6025157/RAFt_brochure_1225_en.pdf

Padanan bukan satu ya atau janji kelayakan. Penyedia yang memutuskan.