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B. Malaysia


Subsidised Loan by State Government of Sabah

For civil servants serving in the State Government of Sabah.

Guidelines, terms & conditions under the loan scheme as stipulated in Ministry of Finance’s circular letter

KEW 100-4/4.Klt.7 issued on 30th March, 2017.

Maximum Loan

100% of cost of property or valuation on the property or whichever is the less, subject to applicant’s eligibility.

Maximum loan is RM500,000 – subject to confirmation of entitlement by the Sabah State Government.

Required Documents for Application:

  1.  Certified copy of IC (applicant / spouse / vendor / guarantor )
  2.  Certified copy of salary slip (applicant / guarantor ) – 3 months
  3.  Certified copy of EC / EA  (applicant)
  4.  Certified copy of Surat Perlantikan Jawatan (applicant)
  5.  Eligibility Confirmation Letter from Department
  6.  Booking Form / Sale & Purchase Agreement / Letter of Intent
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Application Forms (PDF)

Maximum Repayment Period

30 years subject to age plus repayment tenure not exceeding 70 years.

Subsidised Interest Rate

At 3% per annum on monthly rest.

Frequently Asked Questions

Our maximum loan period is 30 years subject to age not exceeding 70 years whichever is earlier.

No, we do not allow payment in advance. Release of loan upon completion of documentation can only be made progressively based on our Company’s Progress Report on construction works achieved.

No, we do not allow the legal fees to be deducted from the approved loan and other disbursements are to be paid by you.

Since the land belongs to the Community for e.g. the Kampung itself and not individual, it is therefore not acceptable to us as a security for loan facility.

* The Company reserves the right to vary the above information, terms & conditions from time to time without assigning any reason whatsoever.

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We welcome any and all suggestions, so leave us a comment and we will get back to you.

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