Skim Rumah Pertama SJKP 2024 : Cara memohon disini

Skim rumah pertama 2024 di bawah Skim Jaminan Kredit Perumahan(SJKP) boleh dimohon sekarang! Baca di bawah untuk ketahui lebih lanjut bagaimana cara untuk semak kelayakan dan cara permohonan.

 

PENGENALAN SJKP 2024

 

Skim Jaminan Kredit Perumahan (SJKP) ialah inisiatif kerajaan yang dilancarkan di bawah Belanjawan 2023 oleh Syarikat Jaminan Kredit Perumahan Berhad bagi kumpulan pendapatan tidak tetap bertujuan untuk membantu pembeli rumah kali pertama tanpa pendapatan tetap dan slip gaji , seperti pekerja ekonomi gig dan pekerja bebas, pemilik perniagaan, peniaga atau usahawan kecil layak mendapat kemudahan gadai janji. 

 

Skim Rumah Pertama

 

PERKARAPENERANGAN  
Tujuan PembiayaanPembiayaan gadai janji  
Had PembiayaanSehingga RM500,000.00 (termasuk jumlah pembiayaan pokok, MRTA/MRTT/LTHO, yuran guaman dan yuran penilaian  
Jenis Pembiayaan Pinjaman/Pembiayaan bertempoh  
Tempoh Pembiayaan  Sehingga 35 tahun atau sehingga tempoh pembiayaan, mana-mana yang terdahulu (pinjaman dua generasi dibenarkan) 
Jaminan PembiayaanJaminan 100% diatas jumlah pembiayaan (termasuk jumlah pembiayaan pokok, MRTA*/MRTT*/LTHO*, yuran guaman dan yuran penilaian)  
Kadar Faedah/KeuntunganSeperti yang ditetapkan oleh Institusi Kewangan yang terlibat  

 

  • Bermula 1 April 2023, kerajaan Malaysia telah memperluaskan sasaran SJKP untuk merangkumi kumpulan berpendapatan tetap dan tidak tetap untuk memiliki rumah pertama bernilai sehingga RM500,000.00

 

*MRTA: Mortgage Reducing Term Assurance  

*MRTT: Mortgage Reducing Term Takaful  

*LTHO: Long Term House owner’s Takaful  

 

SYARAT KELAYAKAN SJKP 2024

 

  • Merupakan warganegara Malaysia yang berumur 18 tahun keatas. Pinjaman dua generasi dibenarkan
  • Dibawah kategori berpendapatan tidak tetap atau bekerja sendiri
  • Kategori berpendapatan tetap
  • Membeli rumah buat kali pertama kediaman baru atau rumah sedia ada atau rumah lelongan untuk didiami
  • Permohonan ini terbuka untuk rumah kediaman baru atau rumah sedia ada atau rumah lelongan
  • Jumlah bayaran balik pinjaman kesemua pinjaman yang pemohon ada tidak boleh melebihi 65% daripada pendapatan kasar bulanan.
  • Tiada rekod tunggakan CCRIS melebihi 2 bulan bagi tempoh 12 bulan terkini.
  • Tiada lain-lain rekod kredit yang negatif dalam tempoh 24 bulan.

 

 

CARA MEMOHON SJKP 2024

 

Cara mohon SJKP

DOKUMEN YANG DIPERLUKAN

 

  • Kediaman/Rumah
    • Perjanjian asal Jual Beli/ borang tempahan/ resit bayaran muka kediaman/rumah

 

  • Pendapatan
    • Penyata akaun Bank atau deposit 6 bulan terkini (jika ada)
    • Cukai Pendapatan/ Penyata KWSP Terkini
    • Surat pengesahan pekerjaan

 

  • Dokumen Sokongan Lain
    • Salinan Kad Pengenalan pemohon
    • Surat Pengesahan (jika ada)
    • Lesen perniagaan; atau kad pendaftaran Nelayan; atau permit teksi (yang mana berkenaan)
    • Surat akuan bekerja sendiri atau penyata pendapatan yang disahkan oleh JKKK atau penjawat kerajaan Kategori A, Penghulu/Ketua Kampung atau Pengurus Cawangan Bank.

 

 

RUJUKAN PENTING

 

 

 

MAKLUMAT LANJUT

 

Syarikat Jaminan Kredit Perumahan (SJKP)

Tingkat 12, Bangunan Setia 1,

15 Lorong Dungun, Bukit Damansara

50490 Kuala Lumpur

Malaysia

 

Telefon: +603-2096-5000

 

Emel: enquiry@sjkp.com.my

 

BANTUAN LAIN YANG BOLEH ANDA MOHON

 

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