Steps to buy your first home in Johor (2026)
Quick answer: Eight steps: check CCRIS/CTOS → set a budget → choose financing & get pre-approval → check aid (stamp duty, Perumahan Kasih Johor, EPF) → choose an area & view → pay the booking fee & sign the SPA → sign the loan agreement → get your keys. A subsale purchase usually takes a few months end to end.
- Check your credit report. Get your free CCRIS report via Bank Negara's eCCRIS and check CTOS. Clear small arrears first.
- Work out your real budget. Use the calculator to estimate the price you qualify for and extra costs (stamp duty, legal fees, deposit).
- Choose your financing. Conventional or Islamic bank, LPPSA (civil servants) or SJKP (self-employed/gig). Get pre-approval.
- Check the aid you qualify for. First-home stamp duty exemption, Perumahan Kasih Johor, RMMJ and EPF Akaun Sejahtera withdrawal.
- Pick an area & view homes. Consider commute, mosque, schools, flood risk and safety. Visit by day and by night.
- Pay the booking fee & sign the SPA. Sign the Sale and Purchase Agreement before a lawyer. Check Bumi-lot status and title.
- Sign the loan agreement. The bank's lawyer prepares loan documents. Pay stamp duty (or claim exemption) and legal fees.
- Get your keys. New launch: wait for vacant possession. Subsale: wait for transfer to complete — usually a few months.
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Frequently asked questions
How long does a subsale purchase take?
Usually a few months from signing the SPA to transfer, depending on loan approval, any consents, and redemption of the seller's loan.
What documents do I need for a home loan?
IC copy, 3–6 months of payslips, bank statements, EPF statement, employer letter, and the SPA or offer letter. Self-employed: business documents and longer bank statements.