H O M E O W N E R S H I P
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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 everthing before purchasing everthing 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. Minimum of 30% of the total purchase price for 3rd house onwards.
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 Account 2.
Account 1
Account 2
Account 3
% 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. Submission of EPF withdrawal form (Form KWSP 9C(AHL)) KWSP 9C (AHL) (D5) 2. The original copy of the Sales and Purchase Agreement. 3. Photocopy of your Identification Card. 4. A copy of the letter of loan approval from your end-financier. 5. Proof of relationship
Note: The original Sales and Purchase Agreement, Letter of Loan Approval from your end-financier 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 Salary Earner / Commissioner
Self-Employed (Sole Proprietor / Sdn. Bhd. / Bhd.)
☐ NRIC Photocopy ☐ 3–6 Months Salary Slip (Latest) ☐ 3–6 Months Bank Statement Slip (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) ☐ 2 Years Management Audited Accounts / Financial Statement (Latest)
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) Total Nett 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: 1 January 2017
Income-Based Loan Eligibility Basic Salary + Fixed Allowance* (RM)
Max Amount Eligible (RM)
Basic Salary + Fixed Allowance* (RM)
Max Amount Eligible (RM)
6,500 and above 6,000 5,700 5,500 5,000 4,700 4,500
750,000 720,000 680,000 650,000 600,000 560,000 540,000
4,300 4,000 3,800 3,500 2,900 2,300 Up to 1,700
510,000 470,000 450,000 420,000 340,000 270,000 200,000
*Fixed allowance taken into account: i. Fixed Housing Allowance (ITP) / Federal Housing Allowance (EPW); II. Fixed Public Service Allowane (ITKA) / Overtime Allowance (ITK); and iii) Fixed Special / Key Position Allowance (ITJU). Note: In line with Goverment’s decision as per annouched in the 2017 Budjet Speech, LPPSA (Lembaga Pembiayaan Perumahan Sektor Awam) eligibility will take into account both basic salary an fixed allowance as per indicated in the table above., effective 1 January 2017. For further enquiries, please contact LPPSA at 03 - 888801600 or via www.lppsa.gov.my Source from: https://myfinancing.lppsa.gov.my/my/upload/(2025)-Garis-Panduan-Pembiayaan-Perumahan-LPPSA-Bil.-1-2025_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.