{"id":1893,"date":"2026-09-05T14:47:28","date_gmt":"2026-09-05T06:47:28","guid":{"rendered":"https:\/\/alrizqmortgage.com\/?p=1893"},"modified":"2026-09-05T22:13:29","modified_gmt":"2026-09-05T14:13:29","slug":"malaysias-housing-market-has-a-financing-problem-heres-how-to-make-sure-youre-not-locked-out","status":"publish","type":"post","link":"https:\/\/alrizqmortgage.com\/ms\/2026\/09\/05\/malaysias-housing-market-has-a-financing-problem-heres-how-to-make-sure-youre-not-locked-out\/","title":{"rendered":"Pasaran Perumahan Malaysia Menghadapi Masalah Pembiayaan \u2014 Cara Memastikan Anda Tidak Terkandas"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1893\" class=\"elementor elementor-1893\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54cdc0b e-flex e-con-boxed e-con e-parent\" data-id=\"54cdc0b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a9f6cf elementor-widget elementor-widget-text-editor\" data-id=\"7a9f6cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Malaysian developers sold just 21% of newly launched homes in the second half of 2025, down from 38% in the first half. Separately, 72% of developers surveyed by REHDA (the Real Estate and Housing Developers&#8217; Association) say the blocker is financing, not demand or price. Unsold housing stock has now risen for six consecutive quarters, reaching 32,801 units by Q1 2026, up 39.5% year-on-year, according to NAPIC (the National Property Information Centre). If you&#8217;re planning to buy, the real risk isn&#8217;t finding a property. It&#8217;s whether your file clears the bank. Our\u00a0<a class=\"text-accent hover:underline underline-offset-[1px] focus-visible:outline-hidden hide-focus-ring focus-visible:shadow-focus rounded-[3px]\" href=\"https:\/\/alrizqmortgage.com\/property-affordibility-calculator\/\" target=\"_blank\" rel=\"noopener noreferrer\">Property Affordability Calculator<\/a>\u00a0is a good place to check where you stand.<\/p>\t\t\t\t\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-2de9726 e-flex e-con-boxed e-con e-parent\" data-id=\"2de9726\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-737d87b elementor-widget elementor-widget-alrizq-table-of-contents\" data-id=\"737d87b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"alrizq-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<nav\n\t\t\tclass=\"abls-toc abls-toc--bullets\"\n\t\t\taria-labelledby=\"abls-toc-title-1\"\n\t\t\tdata-abls-toc\n\t\t\tdata-abls-min-headings=\"2\"\n\t\t\thidden\n\t\t>\n\t\t\t<h2 id=\"abls-toc-title-1\" class=\"abls-toc__title\">In this article<\/h2>\n\t\t\t<ul class=\"abls-toc__list\" data-abls-toc-list><\/ul>\n\t\t\t<p class=\"abls-toc__empty\" data-abls-toc-empty hidden>Add H2 headings after this table of contents to build the article links.<\/p>\n\t\t<\/nav>\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-4ff1e9b e-flex e-con-boxed e-con e-parent\" data-id=\"4ff1e9b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3999654 elementor-widget elementor-widget-heading\" data-id=\"3999654\" 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\">Why Malaysia's financing bottleneck is happening now<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5565d8 elementor-widget elementor-widget-text-editor\" data-id=\"b5565d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Bank Negara Malaysia held the Overnight Policy Rate (OPR) steady at 2.75% at its 3 September 2026 meeting, marking the seventh consecutive pause. Effective lending rates for well-qualified borrowers now run roughly 4.22%\u20134.35%. On paper, financing has never been cheaper this cycle. Yet homes aren&#8217;t moving.<\/p><p>Those numbers above come from REHDA&#8217;s Property Industry Survey of 166 developers (H2 2025) and NAPIC&#8217;s Q1 2026 overhang data, and both point the same direction. Buyers want in. Banks are saying no.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18e21fb elementor-widget elementor-widget-heading\" data-id=\"18e21fb\" 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\">The three real reasons applications get rejected <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5562ca elementor-widget elementor-widget-text-editor\" data-id=\"c5562ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When individual applications do get rejected, banking industry commentary points to the same three fixable issues, repeatedly: debt service ratio, credit history, or income documentation \u2014 rarely the property or the price itself.<\/p>\t\t\t\t\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-9d80570 e-flex e-con-boxed e-con e-parent\" data-id=\"9d80570\" 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-a118792 e-con-full e-flex e-con e-child\" data-id=\"a118792\" 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-6bcec92 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"6bcec92\" 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_2\" viewBox=\"0 0 512 512\"><g style=\"fill:none;stroke:#474747;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;stroke-width:14\"><g><g><path d=\"m52.019 133.435h408.695v246.018h-408.695z\"><\/path><path d=\"m304.745 344.11h93.991c0-15.299 12.402-27.701 27.701-27.701v-119.931c-15.299 0-27.701-12.402-27.701-27.701h-93.991\"><\/path><path d=\"m208.273 168.777h-94.275c0 15.299-12.402 27.701-27.701 27.701v119.932c15.299 0 27.701 12.402 27.701 27.701h94.275\"><\/path><\/g><circle cx=\"149.718\" cy=\"256.444\" r=\"5.569\"><\/circle><circle cx=\"363.015\" cy=\"256.444\" r=\"5.569\"><\/circle><circle cx=\"256.367\" cy=\"256.444\" r=\"43.867\"><\/circle><\/g><g><path d=\"m89.32 88.972c42.272-43.64 101.491-70.766 167.046-70.766 71.067 0 134.688 31.879 177.343 82.118\"><\/path><path d=\"m126.339 90.984h-40.042v-40.042\"><\/path><\/g><g><path d=\"m431.353 415.296c-42.623 48.659-105.217 79.385-174.986 79.385-68.572 0-130.211-29.68-172.773-76.894\"><\/path><path d=\"m393.668 412.563h40.043v40.042\"><\/path><\/g><\/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\tDebt Service Ratio (DSR)\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 class=\"elementor-element elementor-element-571cceb elementor-widget elementor-widget-text-editor\" data-id=\"571cceb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Banks calculate what share of your income is already committed to existing debt \u2014 and increasingly, that includes buy-now-pay-later facilities and digital financing platforms that many applicants don&#8217;t think to account for. A DSR that looks fine on your own spreadsheet can still fail a bank&#8217;s internal threshold once every commitment is counted. Our\u00a0<a class=\"text-accent hover:underline underline-offset-[1px] focus-visible:outline-hidden hide-focus-ring focus-visible:shadow-focus rounded-[3px]\" href=\"https:\/\/alrizqmortgage.com\/dsr-calculator\/\" target=\"_blank\" rel=\"noopener noreferrer\">DSR Calculator<\/a>\u00a0shows you this number before a bank does.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e0fb08 elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"8e0fb08\" 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\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Capa_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 480.004 480.004\" style=\"enable-background:new 0 0 480.004 480.004;\" xml:space=\"preserve\"><g>\t<g>\t\t<path d=\"M479.202,292.692l0.072-0.024l-78.808-171.952l19.112-9.512l-7.152-14.32l-18.632,9.28l-2.52-5.496   c-1.842-4.016-6.59-5.779-10.606-3.938c-1.742,0.799-3.139,2.196-3.938,3.938l-2.248,4.912c-13.56-6.298-28.329-9.566-43.28-9.576   h-67.2v-16h16v-16H266.25l5.752-23.016c4.416-17.673-6.33-35.58-24.003-39.997c-17.673-4.416-35.58,6.33-39.997,24.003   c-1.312,5.25-1.312,10.743,0,15.993l5.752,23.016h-13.752v16h16v16h-67.16c-14.966,0.012-29.75,3.288-43.32,9.6l-2.248-4.912   c-1.841-4.016-6.59-5.779-10.606-3.938c-1.742,0.799-3.139,2.196-3.938,3.938l-2.52,5.496l-18.632-9.32l-7.152,14.336   l19.112,9.552L0.73,292.668c-0.486,1.045-0.734,2.184-0.728,3.336c0.035,30.913,25.087,55.965,56,56h80   c30.913-0.035,55.965-25.087,56-56c-0.02-1.149-0.293-2.28-0.8-3.312l-79.024-172.6c11.487-5.332,24-8.092,36.664-8.088h67.16   v292.688l-27.312,27.312h-28.688c-22.08,0.026-39.974,17.92-40,40c0,4.418,3.582,8,8,8h224c4.418,0,8-3.582,8-8   c-0.026-22.08-17.92-39.974-40-40h-28.688l-27.312-27.312V112.004h67.2c12.664-0.004,25.177,2.756,36.664,8.088L288.73,292.668   c-0.486,1.045-0.734,2.184-0.728,3.336c0.035,30.913,25.087,55.965,56,56h80c30.913-0.035,55.965-25.087,56-56   C479.983,294.855,479.71,293.724,479.202,292.692z M136.002,336.004h-80c-19.002-0.021-35.375-13.387-39.2-32h158.4   C171.378,322.617,155.004,335.983,136.002,336.004z M171.538,288.004H20.466l73.488-160.328c1.342,0.36,2.754,0.36,4.096,0   L171.538,288.004z M226.618,22.532c6.23-7.392,17.273-8.333,24.665-2.103c0.759,0.64,1.463,1.344,2.103,2.103   c3.236,4.116,4.379,9.5,3.096,14.576l-6.728,26.896H230.25l-6.728-26.896C222.239,32.032,223.383,26.648,226.618,22.532z    M232.002,96.004v-16h16v16H232.002z M248.002,112.004v288h-16v-288H248.002z M320.002,448.004   c10.168,0.012,19.229,6.418,22.632,16H137.37c3.403-9.582,12.464-15.988,22.632-16H320.002z M268.69,432.004h-57.376l16-16h25.376   L268.69,432.004z M381.938,127.7c1.321,0.465,2.77,0.405,4.048-0.168l73.552,160.472H308.466L381.938,127.7z M424.002,336.004h-80   c-19.002-0.021-35.375-13.387-39.2-32h158.4C459.378,322.617,443.004,335.983,424.002,336.004z\"><\/path>\t<\/g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/g><g><\/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\tCCRIS and CTOS records\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 class=\"elementor-element elementor-element-59523a8 elementor-widget elementor-widget-text-editor\" data-id=\"59523a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your credit history is checked before affordability is ever discussed. A missed payment from years ago, an account you forgot existed, or a dispute that was never resolved can all surface here \u2014 and most applicants only find out at rejection, not before. This is exactly what our\u00a0<a class=\"text-accent hover:underline underline-offset-[1px] focus-visible:outline-hidden hide-focus-ring focus-visible:shadow-focus rounded-[3px]\" href=\"https:\/\/alrizqmortgage.com\/reports\/\" target=\"_blank\" rel=\"noopener noreferrer\">CTOS Report service<\/a>\u00a0exists to surface in advance: see what the bank will see, before they do. (See also our full guide,\u00a0<a class=\"text-accent hover:underline underline-offset-[1px] focus-visible:outline-hidden hide-focus-ring focus-visible:shadow-focus rounded-[3px]\" href=\"https:\/\/alrizqmortgage.com\/2026\/08\/08\/ctos-report-what-you-need-to-know-before-applying-for-a-home-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\">CTOS Report: What You Need to Know Before Applying for a Home Loan<\/a>.)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffca31c elementor-position-inline-start elementor-mobile-position-inline-start elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"ffca31c\" 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\" height=\"512\" viewBox=\"0 0 64 64\" width=\"512\"><g style=\"fill:none;stroke:#010101;stroke-linecap:round;stroke-linejoin:round;stroke-miterlimit:10;stroke-width:1.965\"><path d=\"m46.9 5v-.4c0-1.1.9-2 2-2h1.4c1.1 0 2 .9 2 2v5.9\"><\/path><path d=\"m20.2 28.5v-7.1l16-16.1c.3-.3.7-.3 1 0l16.1 16.1v12.8\"><\/path><path d=\"m53.5 21.6-16.3-16.3c-.3-.3-.7-.3-1 0l-16.3 16.3c-.8.8-2.1.8-2.9 0-.8-.8-.8-2.1 0-2.9l16.4-16.3c1.9-1.9 4.9-1.9 6.7 0l16.3 16.3c.8.8.8 2.1 0 2.9-.8.8-2.1.8-2.9 0z\"><\/path><path d=\"m30.4 29.6v-2.2c0-1.4 1.2-2.6 2.6-2.6h7.3c1.4 0 2.6 1.2 2.6 2.6v5.2\"><\/path><path d=\"m13.4 38.1c1.4-1.8 3.3-3.4 5.6-4.8 3.7-2.4 8.5-1.8 11.6 1.1 1.1 1 2.4 1.6 3.9 1.6h5.8c2 0 3.6 1.6 3.6 3.6v.1c0 .9-.3 1.7-.8 2.3\"><\/path><path d=\"m24.3 52.5c.3-.1.7-.1 1-.1l14-.4c3.3-.1 6.5-.9 9.5-2.4 4.7-2.4 9.1-5.2 13-8.4.5-.4.8-1 .8-1.6s-.2-1.1-.7-1.5c-1.8-1.6-4.4-1.8-6.5-.6-3.4 2.1-7.6 3.5-12.2 4.6-.7.9-1.7 1.4-2.9 1.4-3.1 0-7 0-7 0\"><\/path><path d=\"m20.1 59.5-4.7 3.5-13.9-18.5 4.7-3.5c1.6-1.2 3.9-.9 5.1.7l9.5 12.7c1.3 1.6.9 3.9-.7 5.1z\"><\/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\tInconsistent income documentation\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 class=\"elementor-element elementor-element-3c93d22 elementor-widget elementor-widget-text-editor\" data-id=\"3c93d22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>This hits self-employed, freelance, and gig-economy applicants hardest, since payslip-based assessment was never built for irregular income \u2014 even when the underlying income is perfectly stable.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-296a9ac e-con-full e-flex e-con e-child\" data-id=\"296a9ac\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-153f2e1 e-flex e-con-boxed e-con e-parent\" data-id=\"153f2e1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf3e78c elementor-widget elementor-widget-heading\" data-id=\"cf3e78c\" 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\">If you're self-employed or gig-based: the SJKP option<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cca55e6 elementor-widget elementor-widget-text-editor\" data-id=\"cca55e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If irregular income has kept you out of the market, the government&#8217;s Housing Credit Guarantee Scheme (SJKP) is worth a look: its guarantee ceiling has doubled from RM10 billion to RM20 billion under Budget 2026, extending coverage to an additional 80,000 first-time buyers. Nearly 90% of the scheme&#8217;s approvals to date have gone to applicants aged 40 and below.<\/p><p>SJKP allows banks to approve financing using 6\u201312 months of consistent bank statements instead of a payslip. Under the SJKP MADANI variant, financing can reach up to 120% for homes priced up to RM500,000, covering the property price, legal fees, and even basic renovation. (Standard SJKP financing caps lower, at up to 110%.) If a payslip has been the obstacle, review this path before ruling out financing altogether. Our\u00a0<a class=\"text-accent hover:underline underline-offset-[1px] focus-visible:outline-hidden hide-focus-ring focus-visible:shadow-focus rounded-[3px]\" href=\"https:\/\/alrizqmortgage.com\/services\/mortgageloan\/\" target=\"_blank\" rel=\"noopener noreferrer\">Mortgage Loan service<\/a>\u00a0compares packages across banks \u2014 ask us whether a guarantee-backed option like this fits your file.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-767a4ba elementor-widget elementor-widget-heading\" data-id=\"767a4ba\" 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\">If you're a government employee: what's changing with LPPSA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fdee54 elementor-widget elementor-widget-text-editor\" data-id=\"5fdee54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Two changes are worth knowing before you apply anywhere else. Under Budget 2026, LPPSA&#8217;s maximum financing limit is being raised to RM1 million, and eligible applicants may soon be able to take a second LPPSA financing without first settling their existing LPPSA financing, a change expected as early as Q4 2026. Separately, the Youth Housing Financing Scheme, extended to 31 December 2026, is aimed at benefitting up to 48,000 public servants under 30.<\/p><p>LPPSA assesses affordability differently from a bank, which is why an application a bank rejects can still succeed through LPPSA on the same underlying numbers. See our\u00a0<a class=\"text-accent hover:underline underline-offset-[1px] focus-visible:outline-hidden hide-focus-ring focus-visible:shadow-focus rounded-[3px]\" href=\"https:\/\/alrizqmortgage.com\/lppsa-financing\/\" target=\"_blank\" rel=\"noopener noreferrer\">LPPSA Financing service<\/a>\u00a0for eligibility details.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-787975b elementor-widget elementor-widget-heading\" data-id=\"787975b\" 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\">Already holding a loan? Why refinancing is back on the table<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a8b42f elementor-widget elementor-widget-text-editor\" data-id=\"9a8b42f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If your current loan was taken out during the higher-rate cycle of 2022\u20132024, the math has likely shifted in your favour. Moving from an effective rate of 4.60% to 4.22% on a RM500,000 loan over 25 years saves roughly RM107 a month \u2014 about RM1,280 a year, and over RM12,800 across the first decade. Total refinancing costs typically run 2\u20135% of the outstanding loan amount once legal fees, stamp duty, valuation, and any lock-in penalty are counted, so the breakeven point is worth calculating on your specific loan rather than assuming. Our\u00a0<a class=\"text-accent hover:underline underline-offset-[1px] focus-visible:outline-hidden hide-focus-ring focus-visible:shadow-focus rounded-[3px]\" href=\"https:\/\/alrizqmortgage.com\/refinance\/\" target=\"_blank\" rel=\"noopener noreferrer\">Refinance \/ Remortgage service<\/a>\u00a0reviews whether your specific numbers clear that bar \u2014 see also our existing guide,\u00a0<a class=\"text-accent hover:underline underline-offset-[1px] focus-visible:outline-hidden hide-focus-ring focus-visible:shadow-focus rounded-[3px]\" href=\"https:\/\/alrizqmortgage.com\/2026\/08\/08\/understanding-home-loan-refinancing-in-malaysia\/\" target=\"_blank\" rel=\"noopener noreferrer\">Understanding Home Loan Refinancing in Malaysia<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de44c3e elementor-widget elementor-widget-heading\" data-id=\"de44c3e\" 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\">A composite case: how a rejected application gets approved<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a2df57 elementor-widget elementor-widget-text-editor\" data-id=\"0a2df57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A buyer approaches us after a bank rejection, assuming the property is simply out of reach. A review of their file shows the rejection wasn&#8217;t about income at all \u2014 an old BNPL commitment was pushing their DSR just over the bank&#8217;s threshold, and a data-entry error on a closed account was sitting on their CTOS record. Once flagged and resolved, the same numbers cleared with a different bank at comparable terms. The property was never the problem \u2014 the file was.<\/p><p>A file review like this starts with our\u00a0<a class=\"text-accent hover:underline underline-offset-[1px] focus-visible:outline-hidden hide-focus-ring focus-visible:shadow-focus rounded-[3px]\" href=\"https:\/\/alrizqmortgage.com\/services\/mortgageloan\/\" target=\"_blank\" rel=\"noopener noreferrer\">Mortgage Loan comparison service<\/a>\u00a0or a\u00a0<a class=\"text-accent hover:underline underline-offset-[1px] focus-visible:outline-hidden hide-focus-ring focus-visible:shadow-focus rounded-[3px]\" href=\"https:\/\/alrizqmortgage.com\/reports\/\" target=\"_blank\" rel=\"noopener noreferrer\">CTOS Report<\/a>\u00a0check.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f07f84 elementor-widget elementor-widget-heading\" data-id=\"7f07f84\" 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\">For real estate agents and negotiators <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc8b1de elementor-widget elementor-widget-text-editor\" data-id=\"fc8b1de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>If you&#8217;re an agent:<\/strong>\u00a0a rejection doesn&#8217;t have to mean a dead deal. The same buyer who fails a bank&#8217;s DSR check may still qualify through LPPSA (if government-employed), SJKP (if self-employed or gig-based), or simply a different bank&#8217;s risk appetite. Flagging these alternatives early, rather than assuming the deal is lost, is often the difference between a closed sale and a buyer who walks. Our\u00a0<a class=\"text-accent hover:underline underline-offset-[1px] focus-visible:outline-hidden hide-focus-ring focus-visible:shadow-focus rounded-[3px]\" href=\"https:\/\/alrizqmortgage.com\/services\/training-coaching\/\" target=\"_blank\" rel=\"noopener noreferrer\">Training &amp; Coaching program<\/a>\u00a0and\u00a0<a class=\"text-accent hover:underline underline-offset-[1px] focus-visible:outline-hidden hide-focus-ring focus-visible:shadow-focus rounded-[3px]\" href=\"https:\/\/alrizqmortgage.com\/agent-portal\/\" target=\"_blank\" rel=\"noopener noreferrer\">Agent Portal<\/a>\u00a0are built specifically around that kind of early flagging.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a18fcaa elementor-widget elementor-widget-heading\" data-id=\"a18fcaa\" 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\">Frequently asked questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1961b5d elementor-widget elementor-widget-n-accordion\" data-id=\"1961b5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2660\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2660\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What counts as a good DSR for home loan approval in Malaysia? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2660\" class=\"elementor-element elementor-element-b89dd87 e-con-full e-flex e-con e-child\" data-id=\"b89dd87\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a5839ae elementor-widget elementor-widget-text-editor\" data-id=\"a5839ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Requirements vary by bank, but most cap total debt commitments (including the new loan) well below 70% of gross income, with stricter limits for higher-risk profiles. A pre-check before applying shows where you actually stand.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2661\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2661\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I reapply immediately after a home loan is rejected? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2661\" class=\"elementor-element elementor-element-2ac6e21 e-con-full e-flex e-con e-child\" data-id=\"2ac6e21\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f0b9f04 elementor-widget elementor-widget-text-editor\" data-id=\"f0b9f04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes, but reapplying with the same file and the same issue unresolved usually produces the same result \u2014 and repeated hard inquiries can affect your credit profile. Fixing the underlying issue first is more effective than reapplying quickly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2662\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2662\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Does checking my own CTOS report affect my credit score? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2662\" class=\"elementor-element elementor-element-d822455 e-con-full e-flex e-con e-child\" data-id=\"d822455\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d4499d3 elementor-widget elementor-widget-text-editor\" data-id=\"d4499d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No. A self-check is a soft inquiry and does not affect your score. It&#8217;s the bank&#8217;s own hard inquiry, made after you apply, that you want to avoid triggering blind.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2663\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2663\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Am I eligible for LPPSA if I'm a contract government employee? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2663\" class=\"elementor-element elementor-element-75a7ae6 e-flex e-con-boxed e-con e-child\" data-id=\"75a7ae6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47ed285 elementor-widget elementor-widget-text-editor\" data-id=\"47ed285\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Eligibility depends on service confirmation status and existing LPPSA usage, not just employment. Contract staff should confirm current eligibility rules directly, as these differ from confirmed civil servants.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2664\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2664\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is SJKP and who qualifies? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2664\" class=\"elementor-element elementor-element-d8dbf43 e-flex e-con-boxed e-con e-child\" data-id=\"d8dbf43\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61cd650 elementor-widget elementor-widget-text-editor\" data-id=\"61cd650\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>SJKP is a government-backed guarantee scheme that allows banks to approve home loans for self-employed, freelance, and gig-economy applicants using bank statements instead of payslips, for properties up to RM500,000.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2665\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2665\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is refinancing worth it if I still have many years left on my loan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2665\" class=\"elementor-element elementor-element-1cb3506 e-flex e-con-boxed e-con e-child\" data-id=\"1cb3506\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf6ea53 elementor-widget elementor-widget-text-editor\" data-id=\"bf6ea53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Often yes, provided the rate gap is large enough to clear the 2\u20135% total refinancing cost within a reasonable timeframe. Run the calculation on your own numbers instead of guessing either way.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Malaysian developers sold just 21% of newly launched homes in the second half of 2025, down from 38% in the [&hellip;]<\/p>\n","protected":false},"author":119,"featured_media":1916,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","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":"","ast-breadcrumbs-content":"","ast-featured-img":"","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":""},"categories":[10],"tags":[13,28,27],"class_list":["post-1893","post","type-post","status-publish","format-standard","has-post-thumbnail","category-credit-eligibility","tag-home-loan-application","tag-malaysia-housing-market","tag-property-financing"],"_links":{"self":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/posts\/1893","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/users\/119"}],"replies":[{"embeddable":true,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/comments?post=1893"}],"version-history":[{"count":20,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/posts\/1893\/revisions"}],"predecessor-version":[{"id":1925,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/posts\/1893\/revisions\/1925"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/media\/1916"}],"wp:attachment":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/media?parent=1893"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/categories?post=1893"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/tags?post=1893"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}