{"id":1226,"date":"2026-08-14T01:35:25","date_gmt":"2026-08-13T17:35:25","guid":{"rendered":"https:\/\/alrizqmortgage.com\/?page_id=1226"},"modified":"2026-08-15T14:24:13","modified_gmt":"2026-08-15T06:24:13","slug":"lppsa-financing","status":"publish","type":"page","link":"https:\/\/alrizqmortgage.com\/ms\/lppsa-financing\/","title":{"rendered":"Pembiayaan LPPSA"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1226\" class=\"elementor elementor-1226\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4ff2be e-flex e-con-boxed e-con e-parent\" data-id=\"f4ff2be\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-010b08c e-con-full xpro-glass-enabled--yes xpro-glass-effect__glass2 e-flex xpro-glass-shadow__none e-con e-child\" data-id=\"010b08c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;xpro_liquid_glass_enable&quot;:&quot;yes&quot;,&quot;xpro_liquid_glass_effect&quot;:&quot;glass2&quot;,&quot;xpro_liquid_glass_shadow&quot;:&quot;none&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a9bc1f elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"5a9bc1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hfe-breadcrumbs-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav aria-label=\"Navigasi halaman\"><ul class=\"hfe-breadcrumbs\"><\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b821675 elementor-widget elementor-widget-heading\" data-id=\"b821675\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pembiayaan LPPSA dengan proses yang lebih jelas.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e54182 elementor-widget elementor-widget-text-editor\" data-id=\"0e54182\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tKami membantu penjawat awam Malaysia mengurus proses permohonan LPPSA dari awal hingga selesai.\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab8988a e-con-full e-flex e-con e-child\" data-id=\"ab8988a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac7b0e6 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"ac7b0e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/alrizqmortgage.com\/ms\/lppsa-financing\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Semak Kelayakan Anda<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e547eb7 e-con-full e-flex e-con e-child\" data-id=\"e547eb7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a47c24f e-flex e-con-boxed e-con e-parent\" data-id=\"a47c24f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3ab9a86 e-con-full e-flex e-con e-child\" data-id=\"3ab9a86\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-12f4138 e-con-full e-flex e-con e-child\" data-id=\"12f4138\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef8ee82 elementor-widget elementor-widget-heading\" data-id=\"ef8ee82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Siapa yang Layak<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1392892 e-con-full e-flex e-con e-child\" data-id=\"1392892\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae8d7b2 elementor-widget elementor-widget-text-editor\" data-id=\"ae8d7b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tPembiayaan LPPSA tersedia kepada penjawat awam Malaysia yang layak. Prosesnya berbeza daripada pinjaman perumahan bank dari segi dokumen, syarat kelayakan dan tempoh pemprosesan. Kami berpengalaman mengurus laluan pembiayaan ini.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e18a75 e-flex e-con-boxed e-con e-parent\" data-id=\"7e18a75\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-08e56fb e-con-full e-flex e-con e-child\" data-id=\"08e56fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d74c8a1 elementor-widget elementor-widget-heading\" data-id=\"d74c8a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Perkhidmatan Perundangan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a2d9b09 e-con-full e-flex e-con e-child\" data-id=\"a2d9b09\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2115d2 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"d2115d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewbox=\"0 0 512 512\"><g><path d=\"m38.1 421.4h19.9v-141l-9.9 5.5c-5.4 3-11.9-.9-11.9-7v-45.4c0-3.2 1.8-5.9 4.5-7.2l87.2-48.9v-33.9l-16.6 9.3c-5.4 3-11.9-.9-11.9-7v-39.4c0-3.1 1.8-5.9 4.5-7.2l135.9-76.2c7.5-4.2 16-4.2 23.5 0l136.3 76.4c2.6 1.5 4.1 4.2 4.1 7v39.4c0 6-6.5 10.2-12.3 6.8l-23.4-13.2v34l94.8 53.1c2.6 1.4 4.1 4.2 4.1 7v45.5c0 6-6.5 10.2-12.3 6.8l-15.6-8.8v144.4h19.9c4.4 0 8 3.6 8 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16.1h-22.2v22.2h22.2zm-12.9-171.2c.3-.1.5-.3.8-.4l115.1-64.5c2.4-1.4 5.3-1.5 7.9-.1l132.2 74.1v-21.1l-132.3-74c-2.6-1.4-5.3-1.4-7.9 0l-132.2 74.1v21.1z\"><\/path><\/g><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPembiayaan Rumah Baharu\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bbc7a0c e-con-full e-flex e-con e-child\" data-id=\"bbc7a0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc75c9e elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"cc75c9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewbox=\"0 0 1024 1024\"><g id=\"XMLID_494_\"><g id=\"XMLID_505_\"><g id=\"XMLID_66_\"><path id=\"XMLID_70_\" d=\"m802 155.7v20.1 54.4 80.7 98.5 107.4 109 101.1 85.9 61.7c0 9.7-.2 19.4 0 29.1v1.3c10-10 20-20 30-30-21.3 0-42.6 0-63.9 0-51.1 0-102.2 0-153.3 0-61.8 0-123.7 0-185.5 0-53.5 0-106.9 0-160.4 0-25.9 0-52-.6-77.9 0-.4 0-.7 0-1.1 0l30 30c0-6.7 0-13.4 0-20.1 0-18.2 0-36.4 0-54.7 0-27.1 0-54.2 0-81.3 0-32.9 0-65.8 0-98.7 0-36 0-72 0-108 0-36.3 0-72.6 0-108.9 0-34 0-67.9 0-101.9 0-28.5 0-57 0-85.4 0-20.4 0-40.7 0-61.1 0-9.5 0-18.9 0-28.4 0-1.7.1-3.4.2-5.2-.4 2.7-.7 5.3-1.1 8 .4-3.1 1.2-6.1 2.3-9.1-1 2.4-2 4.8-3 7.2.9-2 2-3.8 3-5.8 2.2-4-4.4 4.7-2 2.4.8-.7 1.4-1.6 2.2-2.4.6-.6 1.4-1.1 1.9-1.7-4.5 5.3-5 3.5-2.4 2 2.1-1.3 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1.395-2.592 1.253-5.741-.368-8.198l-39.604-60.001c-1.481-2.243-3.99-3.593-6.677-3.593s-5.196 1.35-6.677 3.593l-39.604 60.001c-1.621 2.457-1.763 5.606-.368 8.198 1.395 2.593 4.101 4.209 7.044 4.209zm39.605-53.479 24.738 37.479h-8.542c-4.418 0-8 3.582-8 8v98.941h-16.393v-98.941c0-4.418-3.582-8-8-8h-8.542z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tBantuan Dokumentasi\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-722a5fb e-con-full e-flex e-con e-child\" data-id=\"722a5fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e63ff8e elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e63ff8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" viewbox=\"0 0 512 512\"><path d=\"m423.696 307.95-90.154 52.511c-4.52 2.632-9.116 4.491-13.913 5.6 1.777-2.851 3.17-6.075 4.126-9.645 4.608-17.201-5.615-35.16-23.275-40.885-.343-.111-.692-.199-1.047-.263-25.911-4.673-51.485-13.919-72.034-21.348-7.139-2.581-13.881-5.019-19.614-6.877-23.079-7.488-43.946 1.782-61.313 11.836l-67.074 38.834-6.324-11.174c-2.791-4.933-7.35-8.486-12.836-10.007-5.484-1.521-11.223-.821-16.156 1.971l-25.295 14.317c-4.934 2.792-8.488 7.35-10.009 12.836s-.82 11.224 1.972 16.156l74.367 131.402c2.791 4.932 7.35 8.486 12.836 10.007 1.897.526 3.824.786 5.738.786 3.62 0 7.191-.931 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12.743 12.744v15.229c0 7.027-5.717 12.744-12.743 12.744h-130.379zm27.539 158.158c.891 7.339-1.088 14.049-5.722 19.406-4.89 5.653-12.699 9.58-21.637 11.044v4.777c0 4.418-3.582 8-8 8s-8-3.582-8-8v-4.905c-13.657-2.604-24.159-11.702-27.33-24.423-1.068-4.287 1.541-8.628 5.828-9.697 4.29-1.067 8.628 1.541 9.697 5.828 2.477 9.935 12.72 13.217 20.735 13.045 7.008-.167 13.525-2.576 16.604-6.136 1.67-1.931 2.286-4.158 1.94-7.011-.583-4.796-3.462-10.666-20.693-13.494-25.115-4.125-30.979-17.182-31.475-27.41-.688-14.15 9.122-25.987 24.408-29.455.095-.021.189-.042.284-.063v-5.036c0-4.418 3.582-8 8-8s8 3.582 8 8v4.965c10.052 2.076 19.688 8.333 24.675 20.211 1.711 4.074-.205 8.763-4.278 10.473-4.072 1.71-8.762-.204-10.474-4.279-4.188-9.972-14.4-12.541-22.668-10.668-6.025 1.367-12.333 5.52-11.967 13.075.126 2.599.462 9.503 18.086 12.397 20.762 3.409 32.196 12.612 33.987 27.356zm-203.978-148.873h15.408v98.941c0 4.418 3.582 8 8 8h32.393c4.418 0 8-3.582 8-8v-98.941h15.408c2.943 0 5.649-1.617 7.045-4.209 1.395-2.592 1.253-5.741-.368-8.198l-39.604-60.001c-1.481-2.243-3.99-3.593-6.677-3.593s-5.196 1.35-6.677 3.593l-39.604 60.001c-1.621 2.457-1.763 5.606-.368 8.198 1.395 2.593 4.101 4.209 7.044 4.209zm39.605-53.479 24.738 37.479h-8.542c-4.418 0-8 3.582-8 8v98.941h-16.393v-98.941c0-4.418-3.582-8-8-8h-8.542z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPenyerahan &amp; Pemantauan Permohonan\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9158a03 e-flex e-con-boxed e-con e-parent\" data-id=\"9158a03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b2e5fe5 e-con-full e-flex e-con e-child\" data-id=\"b2e5fe5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a4a671 elementor-widget elementor-widget-heading\" data-id=\"5a4a671\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kalkulator Berkaitan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a3d3e8 elementor-widget elementor-widget-mlpc_lppsa_estimate\" data-id=\"4a3d3e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"mlpc_lppsa_estimate.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<section\n\t\t\tid=\"mlpc-lppsa-estimate-1\"\n\t\t\tclass=\"mlpc-calculator mlpc-calculator--lppsa-estimate\"\n\t\t\tdata-mlpc-type=\"lppsa_estimate\"\n\t\t>\n\t\t\t<script type=\"application\/json\" class=\"mlpc-calculator__config\">{\"legal\":{\"firstLimit\":500000,\"firstRate\":1.25,\"secondLimit\":7500000,\"secondRate\":1,\"excessRate\":1,\"minimumFee\":500,\"hdaFixedLimit\":50000,\"hdaFixedFee\":500,\"hdaBandOneLimit\":250000,\"hdaBandOnePercent\":75,\"hdaBandTwoLimit\":500000,\"hdaBandTwoPercent\":70,\"hdaBandThreeLimit\":1000000,\"hdaBandThreePercent\":65,\"hdaAbovePercent\":50},\"transfer\":{\"firstLimit\":100000,\"firstRate\":1,\"secondLimit\":500000,\"secondRate\":2,\"thirdLimit\":1000000,\"thirdRate\":3,\"excessRate\":4},\"loanStamp\":{\"unit\":1000,\"perUnit\":5,\"minimumDuty\":10},\"homeLoan\":{\"defaultMargin\":80,\"defaultInterest\":4,\"defaultTenure\":30,\"maxTenure\":35},\"affordability\":{\"defaultInterest\":4,\"defaultTenure\":35,\"defaultDownPayment\":10,\"maxTenure\":35,\"maxAge\":70,\"rounding\":1000},\"dsr\":{\"defaultInterest\":4,\"defaultTenure\":35,\"maxTenure\":35,\"creditCardRate\":5,\"excellentLimit\":40,\"moderateLimit\":60},\"lppsa\":{\"defaultInterest\":4,\"defaultTenure\":35,\"maxTenure\":40,\"instalmentLimit\":60,\"debtLimit\":80,\"minNetRetention\":20},\"effectiveDate\":\"2023-07-15\",\"lastUpdated\":\"2026-08-07\",\"strings\":{\"propertyValue\":\"Property value (RM)\",\"loanAmount\":\"Loan amount (RM)\",\"loanStampInvalid\":\"Please enter a valid loan amount greater than RM0.\",\"transferStampInvalid\":\"Please enter valid purchase price and market value amounts greater than RM0.\",\"homeLoanInvalid\":\"Please check the loan amount, interest rate, loan tenure and optional extra payment.\",\"affordabilityInvalid\":\"Please check the gross income, net income, monthly expenses and assumptions. Monthly expenses must remain below the automatically calculated affordability limit.\",\"dsrInvalid\":\"Please check the net monthly income, commitments, proposed loan amount, tenure and interest rate.\",\"dsrExcellent\":\"Excellent (High Chance of Approval)\",\"dsrModerate\":\"Moderate (Possible Approval)\",\"dsrHigh\":\"High Risk (Low Chance of Approval)\",\"lppsaInvalid\":\"Please check the salary, deductions, commitments, financing amount and assumptions. Deductions and commitments must remain below the applicable income limits.\",\"lppsaSalaryLimit\":\"Salary-based eligibility\",\"lppsaRequestedLimit\":\"Requested financing amount\",\"lppsaPropertyLimit\":\"Property price\",\"lppsaValuationLimit\":\"JPPH valuation\"}}<\/script>\n\n\t\t\t\n\t\t\t\t\t\t\t\t\t<form class=\"mlpc-lppsa\" data-mlpc-lppsa-form novalidate action=\"\">\n\t\t\t<div class=\"mlpc-lppsa__inputs\">\n\t\t\t\t<div class=\"mlpc-lppsa__intro\">\n\t\t\t\t\t<span class=\"mlpc-lppsa__section-label\">LPPSA Financing Estimate<\/span>\n\t\t\t\t\t<span class=\"mlpc-lppsa__badge\">Estimate only<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<section class=\"mlpc-lppsa__section\" aria-labelledby=\"mlpc-lppsa-estimate-1-income-title\">\n\t\t\t\t\t<h3 id=\"mlpc-lppsa-estimate-1-income-title\">Income &amp; Commitments<\/h3>\n\t\t\t\t\t<div class=\"mlpc-lppsa__fields\">\n\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-lppsa-estimate-1-basic-salary\"\n\t\t\t\t\t\t\t>\n\t\t\t\tBasic monthly salary (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-lppsa-estimate-1-basic-salary\"\n\t\t\t\t\tname=\"basic_salary\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\taria-describedby=\"mlpc-lppsa-estimate-1-basic-salary-helper\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<p id=\"mlpc-lppsa-estimate-1-basic-salary-helper\" class=\"mlpc-calculator__helper\">Enter your current basic monthly salary.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-lppsa-estimate-1-fixed-allowances\"\n\t\t\t\t\t\t\t>\n\t\t\t\tEligible fixed allowances (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-lppsa-estimate-1-fixed-allowances\"\n\t\t\t\t\tname=\"fixed_allowances\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\taria-describedby=\"mlpc-lppsa-estimate-1-fixed-allowances-helper\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<p id=\"mlpc-lppsa-estimate-1-fixed-allowances-helper\" class=\"mlpc-calculator__helper\">Include only fixed allowances recognised for LPPSA eligibility.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-lppsa-estimate-1-mandatory-deductions\"\n\t\t\t\t\t\t\t>\n\t\t\t\tMandatory monthly deductions (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-lppsa-estimate-1-mandatory-deductions\"\n\t\t\t\t\tname=\"mandatory_deductions\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\taria-describedby=\"mlpc-lppsa-estimate-1-mandatory-deductions-helper\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<p id=\"mlpc-lppsa-estimate-1-mandatory-deductions-helper\" class=\"mlpc-calculator__helper\">For example, statutory or compulsory salary deductions.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-lppsa-estimate-1-existing-debts\"\n\t\t\t\t\t\t\t>\n\t\t\t\tExisting monthly debt commitments (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-lppsa-estimate-1-existing-debts\"\n\t\t\t\t\tname=\"existing_debts\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\taria-describedby=\"mlpc-lppsa-estimate-1-existing-debts-helper\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<p id=\"mlpc-lppsa-estimate-1-existing-debts-helper\" class=\"mlpc-calculator__helper\">Do not repeat mandatory deductions here.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\n\t\t\t\t<section class=\"mlpc-lppsa__section\" aria-labelledby=\"mlpc-lppsa-estimate-1-financing-title\">\n\t\t\t\t\t<h3 id=\"mlpc-lppsa-estimate-1-financing-title\">Financing Request<\/h3>\n\t\t\t\t\t<div class=\"mlpc-lppsa__fields\">\n\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-lppsa-estimate-1-requested-financing\"\n\t\t\t\t\t\t\t>\n\t\t\t\tRequested financing amount (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-lppsa-estimate-1-requested-financing\"\n\t\t\t\t\tname=\"requested_financing\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\taria-describedby=\"mlpc-lppsa-estimate-1-requested-financing-helper\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<p id=\"mlpc-lppsa-estimate-1-requested-financing-helper\" class=\"mlpc-calculator__helper\">The estimate cannot exceed this amount.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label for=\"mlpc-lppsa-estimate-1-tenure\">Financing tenure (years)<\/label>\n\t\t\t<input\n\t\t\t\ttype=\"number\"\n\t\t\t\tid=\"mlpc-lppsa-estimate-1-tenure\"\n\t\t\t\tname=\"financing_tenure\"\n\t\t\t\tvalue=\"35\"\n\t\t\t\tstep=\"1\"\n\t\t\t\tmin=\"1\"\n\t\t\t\tmax=\"40\"\n\t\t\t\tinputmode=\"decimal\"\n\t\t\t>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label for=\"mlpc-lppsa-estimate-1-rate\">Indicative rate (% p.a.)<\/label>\n\t\t\t<input\n\t\t\t\ttype=\"number\"\n\t\t\t\tid=\"mlpc-lppsa-estimate-1-rate\"\n\t\t\t\tname=\"financing_rate\"\n\t\t\t\tvalue=\"4\"\n\t\t\t\tstep=\"0.01\"\n\t\t\t\tmin=\"0\"\n\t\t\t\tmax=\"100\"\n\t\t\t\tinputmode=\"decimal\"\n\t\t\t>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\n\t\t\t\t<details class=\"mlpc-lppsa__advanced\">\n\t\t\t\t\t<summary>Property &amp; Valuation Caps (Optional)<\/summary>\n\t\t\t\t\t<div class=\"mlpc-lppsa__fields\">\n\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-lppsa-estimate-1-property-price\"\n\t\t\t\t\t\t\t>\n\t\t\t\tProperty price (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-lppsa-estimate-1-property-price\"\n\t\t\t\t\tname=\"property_price\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\taria-describedby=\"mlpc-lppsa-estimate-1-property-price-helper\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<p id=\"mlpc-lppsa-estimate-1-property-price-helper\" class=\"mlpc-calculator__helper\">Leave blank when it is not yet known.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-lppsa-estimate-1-jpph-valuation\"\n\t\t\t\t\t\t\t>\n\t\t\t\tJPPH valuation (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-lppsa-estimate-1-jpph-valuation\"\n\t\t\t\t\tname=\"jpph_valuation\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\taria-describedby=\"mlpc-lppsa-estimate-1-jpph-valuation-helper\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<p id=\"mlpc-lppsa-estimate-1-jpph-valuation-helper\" class=\"mlpc-calculator__helper\">Leave blank until the official valuation is available.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/details>\n\n\t\t\t\t<div class=\"mlpc-calculator__message\" data-mlpc-message role=\"status\" aria-live=\"polite\"><\/div>\n\t\t\t\t<div class=\"mlpc-lppsa__actions\">\n\t\t\t\t\t<button type=\"submit\" class=\"mlpc-lppsa__calculate\">Kira<\/button>\n\t\t\t\t\t<button type=\"reset\" class=\"mlpc-lppsa__clear\">Clear<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<section class=\"mlpc-lppsa__results\" aria-live=\"polite\" aria-atomic=\"true\">\n\t\t\t\t<span class=\"mlpc-lppsa__eyebrow\">Estimated LPPSA Financing<\/span>\n\t\t\t\t<output class=\"mlpc-lppsa__amount\" data-mlpc-lppsa-financing>--<\/output>\n\t\t\t\t<p class=\"mlpc-lppsa__amount-label\">Indicative Financing Amount<\/p>\n\n\t\t\t\t<div class=\"mlpc-lppsa__limit\">\n\t\t\t\t\t<span>Limiting Factor<\/span>\n\t\t\t\t\t<strong data-mlpc-lppsa-limit>--<\/strong>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mlpc-lppsa__metrics\">\n\t\t\t\t\t<div><span>Estimated Monthly Instalment<\/span><strong data-mlpc-lppsa-monthly>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Salary-Based Maximum<\/span><strong data-mlpc-lppsa-capacity>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Available Monthly Instalment<\/span><strong data-mlpc-lppsa-available>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Qualifying Monthly Income<\/span><strong data-mlpc-lppsa-gross>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Estimated Net Income<\/span><strong data-mlpc-lppsa-net>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Total Interest<\/span><strong data-mlpc-lppsa-interest>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Total Repayment<\/span><strong data-mlpc-lppsa-repayment>--<\/strong><\/div>\n\t\t\t\t\t<div><span>New Instalment \/ Income<\/span><strong data-mlpc-lppsa-instalment-ratio>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Total Debt \/ Net Income<\/span><strong data-mlpc-lppsa-debt-ratio>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Retained Income<\/span><strong data-mlpc-lppsa-retention-ratio>--<\/strong><\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<a class=\"mlpc-lppsa__official\" href=\"https:\/\/www.lppsa.gov.my\/my\/kalkulator-anggaran-pembiayaan\" target=\"_blank\" rel=\"noopener noreferrer\">Verify on the Official LPPSA Website<\/a>\n\t\t\t\t<p class=\"mlpc-lppsa__note\">Estimate only. This is not an official LPPSA approval. Actual eligibility, valuation, insurance or takaful, scheme conditions and tenure are determined by LPPSA.<\/p>\n\t\t\t<\/section>\n\t\t<input type=\"hidden\" name=\"trp-form-language\" value=\"ms\"\/><\/form>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__notice\">\n\t\t\t<p>Kalkulator ini memberikan anggaran untuk rujukan umum sahaja. Yuran guaman, duti setem, kos pembiayaan dan cukai sebenar mungkin berbeza. Dapatkan nasihat profesional dan sebut harga rasmi sebelum meneruskan.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4464d4e e-flex e-con-boxed e-con e-parent\" data-id=\"4464d4e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d81f1bc e-con-full e-flex e-con e-child\" data-id=\"d81f1bc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c41839 elementor-widget elementor-widget-heading\" data-id=\"2c41839\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Penjawat awam? Semak kelayakan pembiayaan anda.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d49d3b elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"2d49d3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/alrizqmortgage.com\/ms\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Hubungi Alrizq<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>LPPSA financing, without the paperwork guesswork. We help Malaysian government employees navigate the Public Sector Home Financing Board application process, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1226","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1226","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/comments?post=1226"}],"version-history":[{"count":25,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1226\/revisions"}],"predecessor-version":[{"id":1657,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1226\/revisions\/1657"}],"wp:attachment":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/media?parent=1226"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}