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  1. If you work for a bank, then wow you're in luck. As reported by The Star, employees of banks in Malaysia will pay 0% interest in their housing loan for the first RM100,000. This includes all banks under the Malayan Commercial Banks' Association (MCBA), starting 1 April 2019. This benefit will be secured under the Collective Agreement (CA) which was prepared by the MCBA and National Union of Bank Employees (NUBE). According to MCBA President, Nora Abd Manaf, the purpose of the waiver is to help their employees secure a home as quickly as possible. In addition to increasing their disposable income, the move also facilitates the Malaysian government's efforts to increase the number of homeowners among the low-income population. The benefit is applicable to all employees with existing housing loans. Employees working at member banks of the MCBA will also receive up to 12% to 16% increments in salary. Monthly cost-of-living allowances will also be revised from RM400 to RM600. The changes means that an entry level clerk will start at around RM2,400 not including the two-month bonus that will paid out every December. 4 things you must do when considering a renovation loan
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