Skim Jaminan Kredit Perumahan (SJKP) also known as the Housing Credit Guarantee Scheme (HCGS) is a financial assistance scheme that aims to help Malaysian citizens without a fixed income to purchase their first home.
If you are a small business owner, gig worker or freelancer, SJKP might be the home financing option for you.
Up to 100% financing for homes up to RM500,000 (including MRTA/MRTT).
Up to 110% financing for homes up to RM300,000 (including the principal financing amount, legal fees, valuation fees, insurance, furniture purchase, and renovation costs).
Valid for term financing only.
Up to 35 years, or; Up to the financing period, two-generation loans are allowed.
100% guarantee on the financing amount, including the principal financing amount, MRTA/MRTT, LTHO, legal fees, and valuation fees.
Up to RM500,000, including the principal financing amount, MRTA/MRTT, LTHO, legal fees, and valuation fees.
As determined by the participating bank based on standard base rates and loan rates.
Mandatory deposit equivalent to 3 months of the initial payment.
Note that applications for SJKP can only be made physically at selected financial institutions.
You may visit the official LPPSA website to know more. Alternatively, you may also speak to our sales team and they will assist you in finding the right financing options for your new home!
WhatsApp: 012 322 8860
Hotline: 082 288 860
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