Cara Kira Kelayakan Pinjaman Perumahan Kerajaan/ LPPSA

Cara kira kelayakan pinjaman perumahan kerajaan iaitu dengan LPPSA agak berlainan berbanding bank

Contoh situasi
Gaji Pokok = RM 3500  
Elaun = RM 500 
Gaji Kasar = RM 4000 (gaji pokok + elaun)

(Elaun yang diambil kira hanya 3 jenis sahaja iaitu Elaun Tetap Perumahan (ETP), Imbuhan Tetap Khidmat Negeri / Wilayah (ITKN) dan Imbuhan Tetap Jawatan Khas /Utama (ITJK/U) )

Syarat LPPSA adalah ansuran / installment rumah yang nak dibeli hendaklah kurang 60% daripada Gaji Kasar
Gaji Kasar RM 4000
60% = RM 2400

Bermaksud ansuran rumah yang nak dibeli hendaklah tak lebih daripada RM 2400

Jika ikut sifir 200, anggaran harga rumah  layak dibeli maksimum adalah RM 480,000

 

Umur Kelayakan Pinjaman & Tempoh Pinjaman

Umur kelayakan pinjaman adalah 1 tahun sebelum tarikh pencen. Dan pinjaman adalah selama 30 tahun atau kurang.

 

#HartanahWilayah credit Hartanahwow

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