Civil servant: LPPSA or a bank loan?
Quick answer: LPPSA is usually cheaper — a reported 4% rate (up to RM750k) and a RM1 million limit — with automatic salary deduction. Banks process faster and are more flexible for auction homes or joint financing with a private-sector spouse.
Read the LPPSA guide.
Related questions
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Frequently asked questions
Civil servant: LPPSA or a bank loan?
LPPSA is usually cheaper — a reported 4% rate (up to RM750k) and a RM1 million limit — with automatic salary deduction. Banks process faster and are more flexible for auction homes or joint financing with a private-sector spouse.