LPPSA housing financing
Public sector housing financing runs on a different test than a bank loan — it isn't DSR-based. LPPSA checks three things from your payslip: your instalment against basic salary, your total debt against net income, and what's left against your gross income. This calculator runs the same three checks.
LPPSA's own definition: Net Income = Basic Salary + Fixed Allowances − Compulsory Deductions.
Basic salary (monthly)Application resources
Common questions
LPPSA (Lembaga Pembiayaan Perumahan Sektor Awam) provides public sector housing financing for government employees, at a fixed 4% p.a. reducing-balance rate — a different assessment from a bank's DSR-based loan.
LPPSA runs three checks from your payslip: your instalment against basic salary, your total debt against net income, and what's left against gross income — not the single DSR figure banks use.
No. Unlike most bank loans, LPPSA financing does not require a CCRIS or CTOS credit check as part of eligibility.
Up to 105% of the property price, which can cover legal fees and stamp duty on top of the purchase price — subject to LPPSA's financing cap and your calculated eligibility.