HOUSING LOAN TERMS

Housing Loan Terms

  1. Permanent stay under the appointment of the Johor State Service Commission;
  2. Application form submitted 1 year before retirement / expiration;
  3. Served at least 1 year and has been confirmed in office;
  4. Not a bankruptcy @ penalties @ unemployed salaries @ are in disciplinary action;
  5. Monthly repayments do not exceed 40% of basic salary / principal;
  6. EPF Contributors – long term borrowings can not exceed the retirement date of the borrower;
  7. 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;
  8. Loan for the purpose of Purchasing Units / Plots of residential property without a Strata Title is not allowed (second-hand home purchase);
  9. Loans for the purpose of purchasing land (residential site) must be submitted together with the Building Plan approved by the Local Authority;
  10. Loans for land acquisition (agricultural sites) are not allowed at all.

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Form SPPPI -1999 - Application Form

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Borang Permohonan Pinjaman Perumahan Perbendaharaan (SPPPI)

Form 1-1999 - Application for Evaluation Report

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Borang 1-1999 - Permohonan Laporan Penilaian

FORM 2-1999 - Letter of Acceptance Through Reward

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BORANG 2-1999 - Surat Setuju Penyelesaian Melalui Ganjaran

Form 3A-1999 - Borrower's Assignment1 (Assignment Case1)

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Borang 3A-1999 - Akujanji Pemegang Pertaruhan (Assignment Case1)

Form 3A-1999 - Certification of legal firm

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Borang 3A-1999 - Perakuan firma guaman

Form 3B-1999 - Betting Holder's (Assignment1 Case 1)

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Borang 3B-1999 - Akujanji Pemegang Pertaruhan (Assignment Case1)

Form 3B-1999 - Legal firm certification

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Borang 3B-1999 - Perakuan firma guaman

Form 4-1999 - Undersecretary of Undertaking Applicant (Idemnity)

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Borang 4-1999 - Akujanji Pemohon Menanggung Rugi (Idemnity)

Form 5-1999 - Disclaimer Of Interest

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Borang 5-1999 - Penolakan Tuntutan Kepentingan (Disclaimer Of Interest)

Form 6-1999 - Developer's Pledge / Landlord And Borrow Holder

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Borang 6-1999 - Akujanji Pemaju/Tuan Tanah Dan Pemegang Pertaruhan

Form 7-1999 - Owner and Owner of the Borrower's Appointment

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BORANG 7-1999 - Akujanji Pemaju Tuan Tanah Dan pemegang Pertaruhan

Form 11-1999 - Agreement Approval to Make a Non-Solve Part

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Borang 11-1999 - Persetujuan untuk Menggadaikan Bahagian Yang Tidak Dipecahkan

FORM 12-1999 - List of Extra Work

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BORANG 12-1999 - Senarai Kerja Tambahan

Form 13-1999 - Letter of Undertaking

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BORANG 13-1999 - Surat Akujanji Menanggung Rugi

Form 14-1999 - Appointment of Applicant for Loss

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BORANG 14-1999 - Akujanji Pemohon Menanggung Rugi

Forms 15-1999 - Confirmation of Debt Confirmation

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Borang 15-1999 - Pengesahan Keupayaan Menjelaskan Wang