HCGS - Eligibility

HCGS Eligibility-Icon showing eligibility for applicants aged 18 years and above.

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

HCGS Eligibility-Icon of a residential house representing first home purchase eligibility.

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

HCGS Eligibility-Icon showing that total loan repayment must not exceed 65% of gross monthly income.

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

HCGS Eligibility-Icon of a person holding a CCRIS report representing acceptable credit history requirement.

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

HCGS Eligibility-Icon of a cleared CTOS report indicating no adverse credit records.

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