没有薪水单资料不齐也能获批贷款，实现买房
中文资讯
Written by Josh
2023年2月24日至Belanjawan 2023，马来西亚政府宣布了50亿令吉的房屋信贷担保计划，贷款金额高达50万令吉，以进一步协助有经济能力购买房屋的潜在首次购房者。
•住房信用担保计划• Skim Jaminan Kredit Perumahan (SJKP)
贷款类型：Pinjaman/ pembiayan bertempoh-i
贷款金额：最高马币50万令吉（包括本金融资金额、MRTT*/MRTA*、LTHO*、律师费和估价费）
贷款期限：最长 35 年或最长贷款期限，以较早者为准（允许两代人贷款）
担保范围：*对从参与的金融机构中获批的贷款金额提供超过100%的担保（包括本金融资金额、**MRTA/MRTT、LTHO、律师费和估价费）
利息/分红率：由参与的金融机构决定
*须确保贷款项目不超过50万马币*
**MRTA: Mortgage Reducing Term Assurance
**MRTT: Mortgage Reducing Term Takaful
**LTHO: Long Term House owner’s Takaful
•SJKP - MADANI•
贷款类型：Pinjaman/ Pembiayaan Bertempoh Sahaja
贷款限额：最高马币36万令吉（包括最高100%的购房价格、MRTA/MRTT、LTHOT、律师费、估价费、装修费用以及购买家具和配件）
贷款期限：最长35年或最长贷款期限，以较早者为准（允许两代人贷款）
担保范围：最高可担保购买的房屋价格的120%，120% 包括：100%是购房费用，20%则用于MRTA/MRTT、LTHOT、律师费、估价费、装修费用以及购买家具和配件
利息/分红率：由参与的金融机构决定
•申请流程•
•参与金融机构•
•AGRO Bank •Bank Islam •Bank Muamalat
•Maybank Islamic •MBSB Bank •RHB Islamic
(Other Participating Financial Institutions)
Affin Bank Berhad
Affin Islamic Bank Berhad
Alliance Bank Malaysia Berhad
Alliance Islamic Bank Berhad
AmBank (M) Berhad
AmBank Islamic Berhad
Hong Leong Bank Berhad
Hong Leong Islamic Bank Berhad
(参考更多详情：SJPK）
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