Permanent stay under the appointment of the Johor State Service Commission;
Application form submitted 1 year before retirement / expiration;
Served at least 1 year and has been confirmed in office;
Not a bankruptcy @ penalties @ unemployed salaries @ are in disciplinary action;
Monthly repayments do not exceed 40% of basic salary / principal;
EPF Contributors – long term borrowings can not exceed the retirement date of the borrower;
Loans are only allowed if the property has an Individual Title or Strata Titles or Block Title (Parent) for a loan to purchase a residential compartment Unit / Parcel Purchase must be directly from the developer;
Loan for the purpose of Purchasing Units / Plots of residential property without a Strata Title is not allowed (second-hand home purchase);
Loans for the purpose of purchasing land (residential site) must be submitted together with the Building Plan approved by the Local Authority;
Loans for land acquisition (agricultural sites) are not allowed at all.
