Home loan without a payslip (SJKP)
Key conditions
- For a first home purchase.
Skim Jaminan Kredit Perumahan (SJKP)
A government guarantee scheme for buying a first home, including for people without a fixed income. Financing up to RM500,000 through participating banks.
- Prepare proof of income: bank statements, a business licence, a fisherman card or sales records. With no fixed income, get an income confirmation letter from a Category A government officer, a JKKK chairman, a Penghulu or a bank branch manager.
- If you are salaried, bring your payslips and EPF statement.
- Apply at any branch of a bank that takes part in the scheme.
- Financing is up to RM500,000, including MRTA/MRTT, legal and valuation fees. The guarantee can exceed 100%.
Checked 18 Oct 2026
Questions
What is Home loan without a payslip (SJKP)?
Skim Jaminan Kredit Perumahan (SJKP): A government guarantee scheme for buying a first home, including for people without a fixed income. Financing up to RM500,000 through participating banks.
How do I get started with Skim Jaminan Kredit Perumahan (SJKP)?
1. Prepare proof of income: bank statements, a business licence, a fisherman card or sales records. With no fixed income, get an income confirmation letter from a Category A government officer, a JKKK chairman, a Penghulu or a bank branch manager. 2. If you are salaried, bring your payslips and EPF statement. 3. Apply at any branch of a bank that takes part in the scheme. 4. Financing is up to RM500,000, including MRTA/MRTT, legal and valuation fees. The guarantee can exceed 100%.
When was this information checked?
Checked on 18 Oct 2026 against the provider's official page.