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LOAN CALCULATION PRODUCT
:
SPA PRICE
: RM
RM
LOAN (
: RM
RM
DIFFERENTIAL SUM : RM
RM
(A) PACKAGE
: RM
RM
DOWN PAYMENT
: RM
RM
EPF
: RM
RM
SAVING
: RM
RM
NLC
: RM
RM
CREDIT CARD
: RM
RM
%)
(ACCOUNT 2)
(12 MONTHS, 0% INTEREST)
(36 MONTHS, 0% INTEREST)
%
YEARS
MONTHLY INSTALMENT : RM
RM
: RM
RM
: RM
RM
: RM
RM
(B) MOT (C ) SPA
(LEGAL FEE)
TOTAL SAVINGS
(A+B+C)
# THE ABOVE CALCULATION IS ESTIMATION ONLY. # MONTHLY INSTALLMENT MAY VARY ACCORDING TO THE INTEREST RATE & MORTGAGE PACKAGE.
Are you fully accounting for everything before purchasing everything before purchasing a home? A. DOWN PAYMENT
10% of the total purchase price OR the difference between the loan amount and purchase price for 1st and 2nd houses. 30% Down Payment for Third and Subsequent Outstanding Housing Loans, subject to the applicable financing requirements.
i) Legal Fees B. COST RELATED TO SALES AND PURCHASE Purchase Price AGREEMENT ( LEGAL FEES + STAMP DUTY + DISBURSEMENT ) First RM500,000 RM 500,001 to RM 7,500,000 Any amount exceeding RM7,500,000
Charges 1.25% (Subject to a minimum fee of RM500) 1% Negotiable (shall not exceed 1%)
ii) Stamp Duty Purchase Price First RM100,000 Subsequent up to RM500,000 Subsequent up to RM1,000,000 Subsequent onwards C. COST RELATED TO LOAN AGREEMENT
Charges 1% 2% 3% 4%
i) Legal Fees Similar to the Sales and Purchase Agreement Legal Fees.
( LEGAL FEES + STAMP DUTY + DISBURSEMENT )
ii) Stamp Duty Loan Amount Total Loan Amount
Charges 0.500%
Under the latest Budget 2026 announcement, the government has extended the full stamp duty exemption on instruments of transfer and loan agreements for the purchase of a first residential home valued up to RM500,000 by Malaysian citizens for an additional two years, covering Sales and Purchase Agreements (SPA) executed from 1 January 2026 to 31 December 2027. Source from: https://www.propertygenie.com.my/insider-guide/stamp-duty-exemption-for-first-time-homebuyers-until-2025-rwgJhrJSM6sqs3vbDvGrvF https://www.wenjieco.com/calculator/legal-fees-and-stamp-duty-calculator-malaysia
EMPLOYEES PROVIDENT FUND (EPF) WITHDRAWAL PROCEDURE Application Eligibility 1. Member is a Malaysian citizen or non-Malaysian. 2. Has not reached age 55 at the time the EPF receives member’s application; AND 3. Has at least RM500 in Sejahtera Account.
Retirement Account
Sejahtera Account
Flexible Account
% of distribution from monthly contribution
75%
15%
10%
Purpose of Account
Savings dedicated for retirement. Withdrawals are only allowed once you reach the age of 55.
Savings for housing, education, medical needs, or partial withdrawal at age 50.
Flexible savings for short-term needs. Withdrawals allowed anytime with a minimum of RM50, subject to available balance.
Procedure: 1. Choose Your Application Method apply through KWSP i-Akaun or manually at an EPF office, subject to KWSP requirements. 2. Prepare Your Documents Prepare your SPA, loan approval letter, identification card and other required documents. 3. Submit Your Application Submit your application with the supporting documents required by KWSP. 4. Check Your Application Status Monitor your application through KWSP i-Akaun or contact KWSP for assistance. Note: Proof of relationship, such as a marriage certificate or birth certificate, is required where applicable, particularly for eligible joint withdrawals involving family members. In Addition, the original Sales and Purchase Agreement, Letter of Loan Approval from your endfinancier and your original Identification Card have to be sighted by the EPF officials. Source from: https://www.kwsp.gov.my/documents/d/guest/kwsp_9c_ahl_d5-1
Bank Loan Application Checklist Salaried / Commission-Based Applicant
Self-Employed (Sole Proprietor / Sdn. Bhd. / Bhd.)
☐ NRIC Photocopy ☐ 3–6 Months Salary Slip (Latest) ☐ 3–6 Months Bank Statements (Latest) ☐ Latest Whole Year EPF Statement ☐ EA Form, BE Form with Tax Receipt (Latest) ☐ Other Additional Income with Proof (e.g., Rental Agreement, Bonus, Commission) + Bank Statement (6 Months)
☐ NRIC Photocopy ☐ EPF Statement ☐ Identification Document of the Company Owner(s) ☐ Business Registration Certificates (Form A / Form 9 / M&A / Form 29 / Form 44 / Form 32 - Latest) ☐ Business License / Trading License ☐ 6 Months Bank Statement (Latest) ☐ Income Tax Statement / Professional Certificates (If Any) ☐ Latest 2 Years’ Audited Financial Statements, as required by the bank
Note: Indicative checklist; requirements vary by bank
Understanding Your Debt Service Ratio (DSR) Your Debt Service Ratio (DSR) and risk profile are weighted more heavily compared to your property valuation and maximum Loan to Value (LTV) that's available to you. An individual’s DSR shows a bank your financial ability to pay your debts and calculates accordingly how much of a person’s income is used to pay all their debt instalments, represented in %:
Debt Service Ratio % = (DSR)
Total Debt Repayments Including Loan Applied for (Bank & Non-Bank)
x 100% Total Net Income After Statutory Deduction (i.e., Tax, EPF, SOCSO)
To lower your DSR, you need to reduce your total debt or increase your net income. On top of having a low DSR, banks will also scrutinize your credit history to assess your risk profile and do a background check on your past and existing debt repayments.
Government Loan Entitlement Chart Effective: 4 October 2026
Income-Based Loan Eligibility Net Monthly Income (RM)
Max Amount Eligible (RM)
Net Monthly Income (RM)
Max Amount Eligible (RM)
More than 10,000 10,000 9,500 9,000 8,500 8,000 7,500 7,000 6,500
1,000,000 950,000 930,000 900,000 880,000 850,000 830,000 800,000 780,000
6,000 5,500 5,000 4,500 4,000 3,500 3,000 Up to 2,500
730,000 670,000 610,000 550,000 480,000 430,000 350,000 280,000
This Eligibility Table Does Not Apply to: a. Federal Administration Members – Subject to the Members of Parliament (Remuneration) Act 1980. b. State Administration Members & State Legislative Assembly Members (ADUN) – Subject to decisions of the Cabinet from time to time. c. Federal Court, Court of Appeal & High Court Judges – Subject to the Judges’ Remuneration Act 1971. Note: In line with the Government's decision announced in Budget 2026, eligible applicants may apply for a second LPPSA housing loan without fully settling their first housing loan, subject to their remaining financing eligibility and LPPSA's applicable terms and conditions, effective 4 October 2026. For further enquiries, please contact LPPSA at 03 - 8880 1600 or via www.lppsa.gov.my Source from: https://lppsa.gov.my/my/upload/(2026)-Pekeliling dan Garis Panduan Pembiayaan Perumahan LPPSA Bil. 2/2026 _updated.pdf
PREPARATION OF DOCUMENTS
ONLINE APPLICATION OF SPPB & DOCUMENTATION
3 STEP BY STEP GUIDE TO LPPSA MORTGAGE APPLICATION
2
4
5
DELIVERY OF ORIGINAL DOCUMENTS TO LPPSA
SUCCESSFUL* / QUERY* / REJECTED*
*SUCCESSFUL
CHECK LPPSA ELIGIBILITY
1
DELIVERY OF LETTER OF ACCEPTANCE TO LPPSA
*QUERY DOCUMENTS ARE QUERIED FOR FURTHER DELIBERATION
*REJECTED OPEN FOR REAPPLICATION
5 EASY STEPS TO OWNING A HOME REGISTRATION
Prior to a launch, registered buyers will get preferential choice in the selection units and this will be done on a first come first serve basis.
LETTER OF OFFER
Register yourself at seripajam.com.my or visit any of our sales gallery. Our sales personnel will be happy to provide you with registration forms in which you can state your preferred location and type of property.
SELECT A UNIT
Upon selection of the unit, a letter of offer will be issued and the receipt for the initial 10% down payment.
Execution of the Sales & Purchase Agreement must be done at our appointed solicitor’s office.
SALES & PURCHASE AGREEMENT
LOAN AND EPF WITHDRAWAL
Assistance will be given in the application for a house loan from our panel of endfinanciers. EPF members, who would like to make withdrawal from your EPF account, please obtain the necessary forms from the EPF Office or download it at KWSP Website www.kwsp.gov.my.
SERI PAJAM DEVELOPMENT SDN. BHD. (291244-M) PT9889, Jalan BBN 1/3J Putra Point, Putra Nilai, 71800 Nilai, Negeri Sembilan The information contained in this booklet is subject to change without notification as may be required by the relevant authorities or recommended by the Architects or Engineer and cannot form part of an offer or contract. All renderings are artist’s impression only. All measurements are approximate. Whilst every reasonable care has been taken in providing this information, the developer, owner and managers cannot be held responsible for any inaccuracy. All the above items are subject to variations, modifications and substitutions as may be required by the Authorities or recommended by the Architects or Engineer. This advertisement has been approved by Jabatan Perumahan Negara.