Kuyhwon Tay Kuyhwon Tay Author
Title: 青年房屋计划(Youth Housing Shceme),每月可得200令吉奖掖
Author: Kuyhwon Tay
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国民储蓄银行(BSN)与财政部合作,推出青年房屋计划(Youth Housing Scheme)简称YHS。 青年房屋计划推出的目的是为了协助首2万对25岁至40岁之间的夫妻购买首间房屋。该计划的...
国民储蓄银行(BSN)与财政部合作,推出青年房屋计划(Youth Housing Scheme)简称YHS。

青年房屋计划推出的目的是为了协助首2万对25岁至40岁之间的夫妻购买首间房屋。该计划的对象是每月收入少于1万令吉,可购买10万令吉至50万令吉房屋的夫妇。

在青年房屋计划下,青年夫妇每月可获得200令吉奖掖,以缴付每月贷款,奖掖将长达2年。透过这项计划,青年夫妇也可豁免50%房屋印花税。200令吉奖掖将透过BSN的GIRO / GIRO-i户口派发。申请者也可申请从公积金第二户口提领部分存款做为房屋买卖所需。

更多详情可拨打BSN热线1 300 88 1900。

这里也提供3个衔接,让大家获得更多消息:衔接1衔接2 和 衔接3







青年房屋计划的好处

1. 可获最低RM 100,000,最高RM 500,000的房屋贷款

2. 可获得100%房屋价格贷款

3. 每月可得200令吉奖掖,长达2年

4. 低房贷利息(低于市场利息)



申请资格:

1. 大马公民

2.年龄介于25岁至40岁的青年夫妇

3. 家庭月收入不超过RM 10,000

4. 第一次购买房屋者

5. 房屋贷款供期最多35年或房屋拥有者年龄最高至65岁



申请所需文件:

1. BSN房贷申请表格

2. 房屋购买合约相关证据

3. 身份证副本


a. 打工一族

4. 最新3个月的薪水单

5. 最新3个月的银行statements

6. EPF Statement

7. 雇主工作聘请信函

8. EA / EC Form(收入证明)


b. 自雇人士

4. B/BE Form 和 LHDN Receipt

5. SSM 的Registration Letter (开店者)

6. 最新6个月的银行statements

7. 其他相关文件


c. 联名申请者

4. 双方身份证副本

5. 最新3个月的薪水单

另外,RUMAWIP房屋计划在开放申请中,有兴趣的民众可以浏览 申请RUMAWIP的方法
一马房屋(PR1MA)也有11个地区开放申请中,申请方法请看 申请PR1MA的方法


Youth Housing Scheme


Youth Housing Scheme is a first-time home ownership scheme for married youth aged between 25 to 40 years with household income no more than RM 10,000 per month.


Loan Benefits


»   This facility is offered for financing a purchase of property either completed,
     under construction or sub-sale.

Requirements


»   Malaysian citizen

»   Aged 25 to 40 years old (subject to age limit of not more than 65 years old at
     the end of the Loan period)

»   Married
»   Household income no more than RM10,000 per month
»   First time purchaser
»   Individual / Joint Loan
»   BSN GIRO / GIRO-i account holder
»   Proof of purchase

Required Documents

 BSN application form
»  IC copy
»  A valid marriage certificate
»  Salaried Applicant / Co-applicant (spouse only)
    -  Latest 3 months payslips
       Note: For single application, spouse of the applicant must submit one (1) copy of the latest payslip
   -  Latest 3 months bank statement
   -  Latest 6 months payslip and bank statement (other income)
   -  EPF statement

»  Self Employed Applicant / Co-applicant (spouse only)
    -  Company’s registration (SSM)
    -  B/BE Form + LHDN Receipt
    -  Company’s Financial Statement
    -  6 months company bank statement
    -  Other documents i.e site visit report etc.

»  Proof of purchase consisting of a copy of Property Sale and Purchase Agreement(S &P), which has been stamped.
    If the S&P has not been completed, the deposit receipt /pro forma purchase orders is acceptable for the purpose
    of approving the application
»  A copy of valuation report (for the purchase of completed property from individuals / non-developers) of BSN panel valuer
»  Master / Individual title (if any)
»  Statutory Declaration (SD) for the purchase of the first house and self-occupied
    Note: The statutory declaration must be signed by the applicant and co-applicant/ spouse (if not co-applicant)

Features

Property Price
»  Minimum: RM 100,000
»  Maximum: RM 500,000
Margin of Loan
»  Property: Up to 100% of the purchase price/ market price (whichever is lower)
»  MRTA: Up to maximum 5% of the purchase price/ market price (whichever is lower)
Loan Period
»  Minimum : 5 years
»  Maximum : 35 years (subject to age limit of not more than 65 years old at the end of the Loan period).
Interest Rate
»  Pricing range between BR+0.45% up to BR+2.85% depending on the customer’s profile and property location.
    Note: Current BR is 4.10% p.a.

Late Payment Charges

Monthly Installments in Arrears  ×  1%  ×  Number Of Days Overdue
                                                  365

Stamp Duty

»  Principal Documents - Will be charged on ad valorem basis.
»  Other Documents – RM 10


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