The recent widespread flooding seen in many states in Malaysia is one of the worst ever experienced by the country. Estimates of damage to households and private property and damage sustained by businesses and industries including the destruction of shops, warehouses and factories run into billions of ringgit.

If you have been affected by the floods, crucial flood relief programmes have been launched by the Government, private sector and various organisations to help those affectedare intended to help you get back to your normal lives and ensure that your aspirations whether in business, investments, education and other pursuits are back on track.

Multiply has compiled a list of assistance and relief programmes for your ease of reference.

The various assistance programmes cover both individuals (citizens or permanent residents) and companies (businesses that are registered with the Companies Commission of Malaysia).

Where information such as who to apply to and the deadlines are not provided here, do contact the relevant company, bank or Government body for further information. From time to time this article will be updated with the latest available information, so do refer back to this article periodically.

Government Body/ Company	Types of Assistance	Applicable to	Where to Apply
National Higher Education Fund Corporation (PTPTN)	– Three month loan moratorium – Apply by March 31, 2022	Individuals	Click here to apply
Inland Revenue Board (LHDN)	– Deadline for payment of estimated tax payable (CP204) extended from Dec 2021 to Jan 31, 2022	Companies	Apply through email to anggarancukai@HASIL.GOV.MY
	– Installment payment for investigation, audit, and civil legal fees for Jan 2022 postponed to Feb 2022	Individuals & Companies	Click here to apply
	– Employers’ remittance of employees’ monthly tax deductions (PCB) and/ or CP38 extended from Dec 31, 2021 to Jan 31, 2022
	– Taxpayers allowed to request deferment for remaining tax payments to a preferred period
Road Transport Department (JPJ)	– Replacement fee waiver for driving licence, road tax and Vehicle Ownership Certificate (VOC) that were lost or damaged due to flood	Individuals	Lodge a police report on the lost/ damaged document and obtain a replacement at any JPJ office
National Registration Department (JPN)	– Free replacement of MyKad and personal documents lost or damaged due to flood	Individuals	Visit any JPN office
Immigration Department	– Free replacement of passports lost or damaged due to flood	Individuals	Visit any Immigration Department office
Ministry of Education	– Free replacement of school textbooks lost or damaged due to flood	Individuals	n/a
Ministry of Education	– Students with damaged or lost school uniforms exempted from wearing them	Individuals	n/a
Telekom Malaysia	– Free unifi customer premises equipment (CPE) and network components that were damaged due to flood	Individuals & Companies	Call 100 or contact unifi via Live Chat at chatbot.unifi.com.my
	– Waiver of two weeks subscription
	– Credit term extension to 60 days
Tenaga Nasional Bhd (TNB)	– One-off 100% electricity bill rebate for December for affected domestic residences	Individuals	Automatic
Tenaga Nasional Bhd (TNB)	– Free wiring inspections for homes of the B40 community	Individuals	Not stated
Air Selangor	– Automatic one month water bill payment exemption for Jan 2022 for domestic residences (Domestic account) in affected areas: https://www.airselangor.com/wp-content/uploads/2021/12/Lampiran-A-17.pdf – More information: https://www.airselangor.com/wp-content/uploads/2022/01/31122021-FINAL-FAQ-Pengecualian-Bayaran-Bil-Bulan-Januari-2022-2-1-1.pdf	Individuals	Automatic
Sustainable Energy Development Authority (Seda)	– RM500 rebate for electrical appliances at selected stores or e-commerce platforms registered under the Sustainability Achieved via Energy Efficiency (SAVE) programme. Check here for participating outlets	Individuals	Purchase and redeem rebate at registered outlets or purchase online through Lazada, Shopee or PGMall.
Implementation Coordination Unit (ICU), Prime Minister’s Department	– RM2,500 cash aid for flood victims to buy household goods	Individuals	Contact disaster operation control centre (refer here for list)
National Disaster Management Agency (Nadma)	– One-off RM1,000 cash assistance (Bantuan Wang Ihsan) by the Government to each affected household	Individuals	Apply through district offices. Those who were evacuated to a temporary evacuation centre (PPS) can refer to the staff there. Refer here for the full FAQ.
National Disaster Management Agency (Nadma)	– RM10,000 aid for the next-of-kin of individuals who died in the floods.	Individuals
Ministry of Finance	Keluarga Malaysia Automotive Discount Voucher, a reduction of RM1,000 from the total cost of repairs or the cost of replacing new vehicles. Refer here for the list of participating automotive companies	Individuals	No application needed. Redeem vouchers at service centres or authorised dealerships for the automotive companies involved.
Ministry of Housing and Local Government (for urban areas) and the Ministry of Rural Development (for rural areas)	Allocation of between RM5,000 and RM15,000 for the repair of each affected house and RM56,000 to build a new home.	Individuals	Not stated

The Ministry of Finance has set up a website with infographics on the available reliefs, which it updates from time to time. Click here to visit the website.

Almost all the reliefs listed here are applicable to individuals and companies, unless otherwise stated. All you need to do is to contact your banks or visit any of their branches. For companies, you may also contact your relationship managers.

Bank	Types of Assistance	Applicable to
Maybank	Deferment of loan/ financing payment Reduction in monthly installment/ extension of repayment tenure Fee waiver for selected services, such as replacement of debit cards, ATM cards, cheque books lost or damaged Waiver of late charges for credit cards	Individuals & Companies
CIMB Bank	Six months payment relief on loan and financing products Waiver of late charges and fees for 3 months Fee waiver for selected services, such as replacement of debit cards, ATM cards, cheque books lost or damaged	Individuals & Companies
Public Bank	Deferment of monthly installment and financing for up to six months Waiver of replacement charges for documents destroyed or lost in the flood	Individuals & Companies
RHB Bank	Six months’ deferment of installment on mortgages and ASB loan/ financing Three months’ deferment of installment on hire purchase, personal loan and financing Three months’ waiver of late payment charges and interest or credit cards up to RM500	Individuals
RHB Bank	Six months’ deferment of installment on hire purchase, loan and financing (Three months for those currently enrolled under Targeted Repayment Assistance) Six months’ deferment on overdraft interest (Three months for those currently enrolled under Targeted Repayment Assistance) Six months’ deferment of bills due on multi trade lines (Three months for those currently enrolled under Targeted Repayment Assistance)	SMEs only
Hong Leong Bank	Six months payment deferment on loan, financing and credit cards Free replacement for debit and credit cards and cheque books damaged or lost	Individuals & Companies
AmBank	Six months moratorium for monthly loan/ financing installments or payments (Interest/ profit will continue to accrue on deferred amounts) No late charge, finance charge or penalty charge during moratorium period Waiver for incidental or replacement charges (passbooks, cheque books, fixed deposit certificates, ATM, credit and debit cards)	Individuals & Companies
Bank Islam	Financial relief up to six months on the monthly commitment of financing facility Free replacement for damaged cheque books, ATM and debit cards	Individuals & Companies
Alliance Bank	– Loan moratorium of up to six months and loan repayment modifications	Individuals & Companies
Alliance Bank	– Finance and fee charges waived for selected services such as replacement of debit card and ATM cards
Bank Muamalat	Free debit card replacement Affected customers can contact the bank to discuss on payment issues	Individuals & Companies
Bank Simpanan Nasional	Loan and financing payment deferment BSN MyRinggit-i Banjir, a 0% personal financing up to RM10,000 to be paid over 3.5 years, including six months of moratorium	Individuals
Affin Bank	Six-month moratorium, to be accompanied by Rescheduling & Restructuring (R&R) on best effort basis	Individuals & Companies
UOB Bank	Deferment of financing and loan payments, reduction in monthly repayment installments and extension of repayment tenures.	Individuals & Companies
Bank Rakyat	Six-month moratorium	Individuals & Companies
HSBC Bank	Deferment of loan/ financing payments Free replacement for debit and credit cards Waiver of late payment charges for credit cards	Individuals & Companies
Citi Malaysia	Deferment of loan payments and waiver of fees and charges (case-by-case basis) Waiver of replacement fee for cheque books, debit and credit cards	Individuals & Companies

Brand	Types of Assistance	Deadline
Perodua	50% off for standard parts and lubricant (excluding Perodua accessories and Gear Up) Free labour for all parts replacement and repairing (except car detailing) Free towing for Perodua Total Protect Plus (PTPP) customers (Free up to RM300 for non-PTPP customers)	Not Specified
Honda	25% discount on parts Free inspection and towing for Honda Insurance Plus (HiP) customers (towing up to 450km round trip to the nearest Honda Authorised Dealership Up to RM1,500 flood allowance for HiP customers	Contact nearest authorised service centre before Jan 31, 2022
Toyota	25% off total repair cost Free towing service Free evaluation of repair cost 0% interest free payment plan	Not specified
Proton	50% off selected parts (25% for X50 and X70) 25% off labour charge Free towing service (up to RM200) Free car wash – exterior and engine bay (up to RM100) RM1,000 flood relief benefits for Proton Insurance Programme (PIP) customers	Not specified
Nissan (Edaran Tan Chong Motor & Tan Chong Ekspres Auto Servis)	20% off parts and labour charges Special upholstery restoration prices – RM1,655 for sedan, RM1,988 for MPV, SUV, pick-up and van Easy payment plan up to 12 months Free towing (terms and conditions apply) Warranty on Nissan Genuine Parts replacement (6 months or 10,000km, whichever comes first)	Not specified
Mitsubishi	For affected Mitsubishi owners in Kuala Lumpur, Selangor and Pahang (only for vehicles purchased from authorised Mitsubishi Motors dealers 30% off Mitsubishi genuine spare parts 50% discount off labour costs Free towing service by contacting Mitsubishi Assist 24Hrs customer careline (MA24) Rebate up to RM300 for towing without MA24 assistance	Until Jan 20, 2022
Daihatsu	Towing fee subsidy up to RM100 40% off selected spare parts 20% off labour services 1 year or 20,000km parts warranty Free inspection and door-to-door Daihatsu mobile service	Until Feb 28, 2022
Isuzu	25% discount on selected parts 20% discount on labour Free inspection and evaluation of repair cost	Until Jan 22, 2022
UD Trucks (Tan Chong Industrial Equipment)	Up to 70% off on genuine spare parts 10% off lubricants Towing help upon request Free diagnostic check and health check for trucks	Until Jan 31, 2022
Hino Motors	Free inspection Towing rebate up to RM500 Up to 50% off on spare parts 20% discount on labour	Not specified
Honda	10% off motorcycle spare parts (at BigWing and Impian X dealerships only)	Not specified
MForce (SYM, Benelli, Wmoto, SM Sport, Keeway and Brixton motorcycles)	Up to 20% on selected spare parts Free labour Free basic engine oil replacement	Until Jan 15, 2022

Alternatively, you may also check with your nearest workshops if they offer any rebates or complimentary services as many of them are doing it out of goodwill.

Discount by Malaysian Automotive Association (MAA) members

MAA member companies will offer a discount of at least 25% on the total cost of repair work (including of spare parts and labour charges) as well as free towing service to the nearest authorised service centre for flood-affected vehicles.

Refer here for the list of MAA member companies.

Expedited Insurance Claims

The General Insurance Association of Malaysia (PIAM) and the Malaysian Takaful Association (MTA) have announced that claim settlements expedited with certain waivers of requirements. Policyholders are advised to reach to their insurers or agents.

Premium Payment Relief

The Life Insurance Association of Malaysia (LIAM) and MTA have announced several relief measures for those affected by the floods to tide through the tough times.

– Extra timeline of a few months for payment of premiums/ contributions

– Restructuring of premium/contribution paying modes, from annual to monthly basis

– Extending the grace period (usually 30 days) to a longer timeframe for payment of premiums/contributions

– Reducing or waiving the interest charges for policy/certificate loan and policies/certificates under the Automatic Premium Loan (APL) option

– Waiver of printing cost for insurance policy/takaful certificate/medical card replacement

Note: Policy/ certificate holders to contact their insurance/takaful companies to find out the details of the relief measures offered by their life insurers

Flood Relief Fund by Insurers

PIAM members have donated RM2.43mil to the fund as a CSR initiative. The assistance will be in the form of vehicle clean-ups at workshops (not repairs), capped at a one-off per vehicle subsidy.

– RM500 for cars and commercial vehicles

– RM100 for motorcycles

The claim will not affect your no claim discount (NCD). Click here to submit your claim.

The fund will be closed once the RM2.43mil is exhausted.

	Financing Size	Financing Rate	Tenure	Availability	Where to apply
Disaster Relief Facility (DRF) A financing facility established by Bank Negara Malaysia (BNM) with an allocation of RM200mil to assist SMEs and micro enterprises affected by the floods. The purpose of the financing are for repairs, replacement of assets for business use and working capital	Up to RM150,000 per micro enterprise; up to RM700,000 per SME	Up to 3.5% per annum, inclusive of guarantee fee	Up to 7 years, including a moratorium period of 6 months on both principal and interest/ profit payments	From Dec 27, 2021 until full utilisation	Apply directly from participating financial institutions regulated by BNM eg: commercial banks, Islamic banks and development financial institutions
BizBina-I Direct Financing Scheme A financing scheme by the Credit Guarantee Corporation (CGC) for MSMEs affected by the floods.	From RM20,000 to RM200,000	3.5% per annum	5 years and 6 months, inclusive of a 6-month moratorium on both principal and profit)	Not stated	Click here to download the application form. Forms and supporting documents can be submitted to any CGC branch. Contact CGC’s Client Service Centre at 03-7880 088 or email csc@cgc.com.my for more info.
SME Emergency Fund (SMEEF) This fund is provided by the Entrepreneur Development & Cooperatives Ministry through SME Corp Malaysia and managed by MIDF. This is a soft loan financing for purchases of machinery and equipment, refurbishment of premises, and working capital requirements such as purchases of raw materials and consumables, with a financing margin of up to 90%.	From RM50,000 to RM100,000	3% per annum on yearly rest	Up to 5 years excluding grace period of up to 6 month	Not stated	Contact MIDF Business Advisory at 1-300-88-6433 or email GrowYourBusiness@midf.com.my
SME Revitalisation Financing (SMERF) This fund is provided by the Entrepreneur Development & Cooperatives Ministry through SME Corp Malaysia and managed by MIDF. This is to facilitate SMEs and microenterprises affected by Covid-19 or floods.	From RM50,000 to RM250,000	3% per annum	Maximum of 7 years, including maximum moratorium and grace period	Not stated	Contact MIDF Business Advisory at 1-300-88-6433 or email GrowYourBusiness@midf.com.my
Digital Financing Initiative A short-term financing initiative by SME Corp Malaysia through a digital platform, in collaboration with microLEAP	From RM50,000 to RM500,000	2% per annum	Up to 36 months	Not stated	Click here to apply
Flood Recovery Financing This is a financing by TEKUN Nasional, a strategic development partner for Bumiputera entrepreneurs and an agency under the Ministry of Entrepreneurial and Cooperative Development	Up to RM100,000	As low as 0% per annum	Up to 10 years, with up to 12 months of moratorium	To be updated by the Ministry of Finance or TEKUN.

PUNB Moratorium

There is a moratorium on principal and profit for up to 6 months by Perbadanan Usahawan Nasional Bhd starting Jan 1, 2022.

SME Bank assistance

SME Bank is offering a two-month rent exemption to the SME Bank’s Entrepreneur Premises Complex tenants that were affected by the flood.

It is also offering a six-month loan moratorium and a loan rescheduling and financing of up to RM500,000 under the DRF.

Contact the bank’s customer service at 03-26037700 or email them at customercare@smebank.com.my for enquiries. Alternatively, click here to set an appointment at your preferred branch.

Did you find this article helpful? Write to us at hello@multiply.org.my and let us know what other avenues of financial relief you would like to hear on or if you have new information you would like to share with us.

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