B50 customers who meet all of the following criteria are eligible to apply for URUS:

• Already under an existing repayment assistance programme (e.g., Targeted Repayment Assistance, PEMERKASA Plus, PEMULIH, bank’s own rescheduling and restructuring, etc.) as at 30 September 2021;
• Have a gross household income of up to RM5,880;
• Whose loan/financing is still performing (not in arrears exceeding 90 days) as at the date of their application; and
• Have experienced loss of employment or at least a 50% reduction in income

• You will receive a Personalised Financial Plan (PFP) that sets out a monthly debt repayment amount and schedule for a period of up to 24 months.
• The plan will take into account all your existing debt obligations and the amount of income you can currently afford to set aside to repay your debt after providing for living expenses.
• The PFP will include:
  • An interest waiver for a period of 3 months;
  • Deferred payments and other options, including reduced instalments, to help manage your overall debt burden in line with your affordability; and
  • Development, education and advisory support to help you manage your finances and become more financially resilient.
• As an added convenience, customers with borrowings from multiple banks will only need to apply to one of their banks. Subsequently, AKPK will help consolidate the details of their borrowings/financing across banks
  and develop a holistic and viable repayment assistance plan for the customer.

Applications are open from 15 November 2021 until 31 March 2022. Get more information here.

For eligible B50 customers who have recently signed up for the banks' flood relief assistance, you may apply for URUS upon expiry of your flood relief assistance or until 31 July 2022, whichever is earlier.