HOUSING LOAN TERMS
Housing Loan Terms
- 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.
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Form SPPPI -1999 - Application Form
Borang Permohonan Pinjaman Perumahan Perbendaharaan (SPPPI)
Form 1-1999 - Application for Evaluation Report
Borang 1-1999 - Permohonan Laporan Penilaian
FORM 2-1999 - Letter of Acceptance Through Reward
BORANG 2-1999 - Surat Setuju Penyelesaian Melalui Ganjaran
Form 3A-1999 - Borrower's Assignment1 (Assignment Case1)
Borang 3A-1999 - Akujanji Pemegang Pertaruhan (Assignment Case1)
Form 3A-1999 - Certification of legal firm
Borang 3A-1999 - Perakuan firma guaman
Form 3B-1999 - Betting Holder's (Assignment1 Case 1)
Borang 3B-1999 - Akujanji Pemegang Pertaruhan (Assignment Case1)
Form 3B-1999 - Legal firm certification
Borang 3B-1999 - Perakuan firma guaman
Form 4-1999 - Undersecretary of Undertaking Applicant (Idemnity)
Borang 4-1999 - Akujanji Pemohon Menanggung Rugi (Idemnity)
Form 5-1999 - Disclaimer Of Interest
Borang 5-1999 - Penolakan Tuntutan Kepentingan (Disclaimer Of Interest)
Form 6-1999 - Developer's Pledge / Landlord And Borrow Holder
Borang 6-1999 - Akujanji Pemaju/Tuan Tanah Dan Pemegang Pertaruhan
Form 7-1999 - Owner and Owner of the Borrower's Appointment
BORANG 7-1999 - Akujanji Pemaju Tuan Tanah Dan pemegang Pertaruhan
Form 11-1999 - Agreement Approval to Make a Non-Solve Part
Borang 11-1999 - Persetujuan untuk Menggadaikan Bahagian Yang Tidak Dipecahkan
FORM 12-1999 - List of Extra Work
BORANG 12-1999 - Senarai Kerja Tambahan
Form 13-1999 - Letter of Undertaking
BORANG 13-1999 - Surat Akujanji Menanggung Rugi
Form 14-1999 - Appointment of Applicant for Loss
BORANG 14-1999 - Akujanji Pemohon Menanggung Rugi
Forms 15-1999 - Confirmation of Debt Confirmation
Borang 15-1999 - Pengesahan Keupayaan Menjelaskan Wang