HCGS - Eligibility

  • Malaysian citizens aged 18 years and above. Joint financing is allowed
  • Non-fixed income earners or self employed
  • Fixed income earners

  • Purchase of first new residential house or existing house (sub-sale) or auctioned house to be owner occupied
  • Open to newly completed or under construction or sub-sale or auctioned residential property

  • The total repayment of all applicant's loans does not exceed 65% of gross monthly income

  • CCRIS* record of arrears not more than 2 months within a period of 12 months

  • No other adverse credit records within the last 24 months
  • *CCRIS: Central Credit Reference Information System