SJKP Housing Scheme (PG)

Benefits & Features
  • To finance the purchase of under construction / completed residential property of up to RM500,000
  • Margin of Financing up to 100% excluding :
    • Mortgage Reducing Term Takaful (MRTT) / Mortgage Level Term Takaful (MLTT) – (compulsory)
    • HOT (Houseowner/Householder Takaful Plan) – (if applicable)
    • Stamp Duty
    • Legal Fees
    • Valuation Fees

Total Financing Amount

Profit Rate (SBR @ 2.75% p.a.)

RM300,000 and below SBR + 2.00% p.a. (EPR = 4.75% p.a.)
More than RM300,000 – RM500,000 SBR + 2.10% p.a. (EPR = 4.85% p.a.)

Eligibility Criteria
  • Malaysian citizen
  • Age 18 years and above
  • First time house buyer for own occupancy which include the following segments:
    • Fixed income earners
    • Non-fixed income earners
    • Self-employed individual
    • Gig workers
  • Maximum monthly income is RM11,000 per applicant

Required Document
  • Fixed Income Earner:
    • Latest 3-month Salary Slip
    • Latest 3-month Salary Crediting Statement
    • Latest EPF Statement
    • Employment Confirmation Letter (ECL)
  • *Non-Fixed Income Earner / Self-Employed Individual:
    • Company / Business Registration (where applicable)
    • Latest 6-month Bank Statement
    • Latest 6-month Payment Voucher / Receipt / Statement
    • Latest B Form + Tax Payment Receipt (where applicable)
  • *Gig Worker:
    • Latest 6-month Bank Statement
    • Latest 6-month Payment Voucher / Receipt / Statement
    • Latest B Form + Tax Payment Receipt (where applicable)
    • Letter of Employment Contract


  • Note:
    *To furnish confirmation letter on proof of self-employment or income stream issued by Jawatankuasa Kemajuan dan Keselamatan Kampung (“JKKK”) or similar body or Category A government servants and/or Penghulu/Ketua Kampung or any relevant supporting documents accepted by the Bank.