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SJKP — Skim Jaminan Kredit Perumahan 2026

Home loan guarantee for self-employed, gig workers and those without payslips. No payslip? No problem.

Last verified: March 2026

Apa Itu SJKP?

SJKP (Skim Jaminan Kredit Perumahan) is a government housing credit guarantee scheme administered by Cagamas SRP Berhad. It helps Malaysians who get rejected by banks for home loans due to lack of formal income documentation. The government acts as guarantor — if the borrower defaults, Cagamas SRP covers part of the bank's loss. This removes the bank's risk, allowing approval of borrowers it would normally reject.

Siapa Yang Layak? (Who Qualifies)

Gig Economy Workers

  • ✓ Grab / Foodpanda drivers
  • ✓ Freelancers & content creators
  • ✓ Small traders / hawkers
  • ✓ Farmers & fishermen

Requirements

  • ✓ Malaysian citizen
  • ✓ Age 18–65 (loan repaid by 65–70)
  • ✓ Household income up to RM10,000/month
  • ✓ First-time home buyer
  • ✓ No bankruptcy or severe CCRIS/CTOS
  • ✓ Property up to RM500,000

Dokumen Pendapatan (Income Proof Without Payslip)

This is the key advantage of SJKP — you do NOT need a payslip or EA form. Instead, use these alternatives:

•
Bank statements (6 months) — Primary income proof — shows consistent deposits
•
EPF contribution history — Supplements bank statements
•
Income tax returns (BE form) — Shows annual income declaration
•
SSM business registration — For registered self-employed / small businesses
•
Surat Akuan Pendapatan — Statutory declaration of income — sworn at commissioner

How the SJKP Guarantee Works

1

You apply at a bank

Visit any participating bank and request SJKP. Bring your income documents (no payslip needed).

2

Government guarantees

Cagamas SRP provides a credit guarantee to the bank, covering default risk. This unlocks the loan approval.

3

Loan approved

Bank approves up to 100% financing. You pay a guarantee fee (~2–3% of loan, can be financed into loan).

Bank Yang Menyertai (Participating Banks)

Bank Simpanan Nasional (BSN)AmBankRHB BankBank RakyatMaybankCIMBMBSB Bank

Loan Details

FinancingUp to 100% (no downpayment required)
Max property priceRM500,000
Loan tenureUp to 40 years (repaid by age 65–70)
Interest rate~4–5% per annum
Guarantee fee~2–3% of loan (can be financed)
Eligible forAll Malaysian citizens — not race-based

Projects Under RM400k

Affordable new launches that suit SJKP financing.

Ponderosa Vista @ Jalan Ponderosa Utama
New Launch

Ponderosa Vista @ Jalan Ponderosa Utama

Johor Bahru, Johor

2,700 sq ft
Price TBA
Landed House
Puteri Oasis, Bungalow Lots @ Bandar Tasik Puteri, Rawang, Selangor
New Launch

Puteri Oasis, Bungalow Lots @ Bandar Tasik Puteri, Rawang, Selangor

Rawang, Selangor

4,122 sq ft
From RM156k
Bungalow
Taman Nuri Botani, Villament (RMM) @ Durian Tunggal, Melaka
New Launch

Taman Nuri Botani, Villament (RMM) @ Durian Tunggal, Melaka

Durian Tunggal, Melaka

1,000 sq ft
From RM190k
Serviced ApartmentFreehold
Projek Perumahan Perwira, 1-storey Terrace @ Segari, Lumut, Perak
New Launch

Projek Perumahan Perwira, 1-storey Terrace @ Segari, Lumut, Perak

Lumut, Perak

970 sq ft
From RM203k
Landed House
Seri Seraya @ Puncak Bestari, Puncak Alam | Affordable Homes
New Launch

Seri Seraya @ Puncak Bestari, Puncak Alam | Affordable Homes

Puncak Alam, Selangor

900 sq ft
From RM205k
Serviced Apartment
Bungalow Land @ Taman Seri Bertam, Melaka Tengah
New Launch

Bungalow Land @ Taman Seri Bertam, Melaka Tengah

Melaka Tengah, Melaka

4,745 sq ft
From RM214k
Bungalow

Scheme details subject to change. Verify with srp.com.my or your participating bank before applying.

Soalan Lazim (FAQ)

Can Grab drivers apply for SJKP home loan?▼
Yes. SJKP is specifically designed for workers without formal payslips, including Grab drivers, Foodpanda riders, and other gig economy workers. You prove income through 6 months of bank statements instead of payslips.
What documents do I need for SJKP?▼
You need: MyKad copy, 6 months bank statements (key income proof), booking receipt or SPA, property valuation report, statutory declaration of income (Surat Akuan Pendapatan), and SSM business registration if self-employed. No payslip or EA form needed.
Which banks offer SJKP loans in Malaysia?▼
Participating banks include Bank Simpanan Nasional (BSN), AmBank, RHB Bank, Bank Rakyat, Maybank, CIMB, and MBSB Bank. Apply directly at any participating bank and request the SJKP scheme.
What is the maximum loan under SJKP?▼
SJKP supports up to 100% financing (no downpayment required) for properties up to RM500,000. Loan tenure can extend up to 40 years, with full repayment required by age 65–70. Interest rates are around 4–5% per annum.
Is SJKP only for Bumiputera?▼
No. SJKP is open to all Malaysian citizens regardless of race. It is entirely needs-based, targeting those who cannot obtain conventional home loans due to lack of formal income documentation.

SJKP — Pinjaman Rumah Tanpa Slip Gaji 2026

SJKP ialah skim jaminan kredit perumahan yang diuruskan oleh Cagamas SRP Berhad. Skim ini membolehkan pekerja sendiri, pemandu Grab, peniaga kecil dan freelancer mendapatkan pinjaman rumah walaupun tiada slip gaji rasmi. Kerajaan bertindak sebagai penjamin kepada bank. Anda hanya perlu menyediakan penyata bank 6 bulan sebagai bukti pendapatan. Pembiayaan sehingga 100% untuk hartanah bernilai sehingga RM500,000. Skim ini terbuka kepada semua warganegara Malaysia tanpa mengira kaum. Mohon terus di mana-mana bank yang menyertai — BSN, AmBank, RHB, Maybank, CIMB, Bank Rakyat atau MBSB.

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