Home Financing-i SJKP

Tawarruq

Malaysian Citizen
i.Applicants with Fixed Income; OR
ii.Applicants with Non Fixed Income; OR
iii.Applicants who run a business
Age not less than 18 years old on the date of application and not more than 65 years old at the end of financing tenure
First Home Buyer and for Living
i. Applicants must submit a declaration letter stating that the financing application is a first home and for living by themselves.
Income verification, through:
i.Saving account statement with latest 3 Month with a minimum of RM1,000.00 per month and verified by ‘Jawatankuasa Kemajuan dan Keselamatan Kampung’ (JKKK) or to obtain approval from government staff under category A / Penghulu / KetuaKampung.
Joint Applications are allowed between siblings or parents with children on conditions both applicants does not own any house
If one of the applicants is fixed income earner, the application can be considered with conditions that the income of applicants with non fixed income must be higher than applicants with fixed income.

Up to 100% including MRTT / Lawyer's Fee / Valuation Cost & Stamp Duty

Package	Pofit Rates
SKJP
	As low as SBR + 1.90%

Standard Base Rate (SBR): 3.00%

MRTT = Mortgage Reducing Term Takaful

Maximum financing period 35 years or aged 65years; whichever is earlier.

ITEMS	CHARGE
Wakalah Fee	RM28.30
Custodian of security documents after full settlement.	RM10.00 per set per month (inclusive 0% GST)
Issuance of statement for EPF withdrawal.	RM15.00 per document (inclusive 0% GST)

Application Category	Dokuments
Fixed Income	Copy of MyKad; Or Authority Card (Police / Army ) and Income Verification Letter from JawatankuasaKemajuandanKeselamatanKampung (JKKK) or government staff under category A / Penghulu / KetuaKampung. Copy of 3 Months Salary Statement 3 Months Bank Statement EA Form / KWSP Statement Employer Confirmation Letter
Non-Fixed Income	Copy of MyKad; Or Authority Card (Police / Army ) and Income Verification Letter from JawatankuasaKemajuandanKeselamatanKampung (JKKK) or government staff under category A / Penghulu / KetuaKampung. Latest 6 Months Bank Statement (Individual / Business) Business Registration / Form 24 or 49 Form B & Payment Receipt
Property Documents	Sale Purchase Agreement Copy of Title The Letter of Purchase Form from Developer Advance Payment Receipt Sale Memorandum: Auction Valuation Report: Completed / Auction / Subsale