{"id":116819,"date":"2025-09-04T16:14:38","date_gmt":"2025-09-04T08:14:38","guid":{"rendered":"https:\/\/iqiglobal.com\/blog\/?p=116819"},"modified":"2026-01-09T15:55:35","modified_gmt":"2026-01-09T07:55:35","slug":"lppsa-malaysia-loan-eligibility-benefits","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/lppsa-malaysia-loan-eligibility-benefits\/","title":{"rendered":"LPPSA Malaysia: Loan Eligibility, Benefits &amp; How To Apply in 2026"},"content":{"rendered":"<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body><p><strong>LPPSA<\/strong>, better known as the <a href=\"https:\/\/www.lppsa.gov.my\/v3\/my\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">Lembaga Pembiayaan Perumahan Sektor Awam<\/mark><\/a>, is Malaysia&rsquo;s <strong>Public Sector Housing Financing Board<\/strong>.&nbsp;<\/p>\n\n\n\n<p>It&rsquo;s a <a href=\"https:\/\/iqiglobal.com\/blog\/b40-and-m40-4-government-housing-schemes-that-are-available-for-you\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">government agency<\/mark><\/a> that provides <strong>housing loans exclusively for Malaysian civil servants<\/strong>, helping them buy their first home, build on their own land, or even renovate an existing property.&nbsp;<\/p>\n\n\n\n<p>If you&rsquo;re working in the public sector and planning to buy a house, this <strong><a href=\"https:\/\/iqiglobal.com\/blog\/looking-for-affordable-housing-programs-in-malaysia-we-got-10\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">government-backed loan scheme<\/mark><\/a><\/strong> could be one of your <strong>best options for affordable home financing<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Here&rsquo;s everything you need to know about LPPSA: how it works, who can apply, and why it might be a better choice than a traditional bank loan.&nbsp;<\/p>\n\n\n\n<blockquote class=\"instagram-media\" data-instgrm-permalink=\"https:\/\/www.instagram.com\/reel\/DN475NhlfaZ\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\" style=\" background:#FFF; border:0; border-radius:3px; box-shadow:0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width:540px; min-width:326px; padding:0; width:99.375%; width:-webkit-calc(100% - 2px); width:calc(100% - 2px);\"><div style=\"padding:16px;\"> <a href=\"https:\/\/www.instagram.com\/reel\/DN475NhlfaZ\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" background:#FFFFFF; line-height:0; padding:0 0; text-align:center; text-decoration:none; width:100%;\" target=\"_blank\" rel=\"nofollow noreferrer noopener\"> <div style=\" display: flex; flex-direction: row; align-items: center;\"> <div style=\"background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;\"><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;\"><\/div><\/div><\/div><div style=\"padding: 19% 0;\"><\/div> <div style=\"display:block; height:50px; margin:0 auto 12px; width:50px;\"><svg width=\"50px\" height=\"50px\" viewbox=\"0 0 60 60\" version=\"1.1\" xmlns=\"https:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"https:\/\/www.w3.org\/1999\/xlink\"><g stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g transform=\"translate(-511.000000, -20.000000)\" fill=\"#000000\"><g><path d=\"M556.869,30.41 C554.814,30.41 553.148,32.076 553.148,34.131 C553.148,36.186 554.814,37.852 556.869,37.852 C558.924,37.852 560.59,36.186 560.59,34.131 C560.59,32.076 558.924,30.41 556.869,30.41 M541,60.657 C535.114,60.657 530.342,55.887 530.342,50 C530.342,44.114 535.114,39.342 541,39.342 C546.887,39.342 551.658,44.114 551.658,50 C551.658,55.887 546.887,60.657 541,60.657 M541,33.886 C532.1,33.886 524.886,41.1 524.886,50 C524.886,58.899 532.1,66.113 541,66.113 C549.9,66.113 557.115,58.899 557.115,50 C557.115,41.1 549.9,33.886 541,33.886 M565.378,62.101 C565.244,65.022 564.756,66.606 564.346,67.663 C563.803,69.06 563.154,70.057 562.106,71.106 C561.058,72.155 560.06,72.803 558.662,73.347 C557.607,73.757 556.021,74.244 553.102,74.378 C549.944,74.521 548.997,74.552 541,74.552 C533.003,74.552 532.056,74.521 528.898,74.378 C525.979,74.244 524.393,73.757 523.338,73.347 C521.94,72.803 520.942,72.155 519.894,71.106 C518.846,70.057 518.197,69.06 517.654,67.663 C517.244,66.606 516.755,65.022 516.623,62.101 C516.479,58.943 516.448,57.996 516.448,50 C516.448,42.003 516.479,41.056 516.623,37.899 C516.755,34.978 517.244,33.391 517.654,32.338 C518.197,30.938 518.846,29.942 519.894,28.894 C520.942,27.846 521.94,27.196 523.338,26.654 C524.393,26.244 525.979,25.756 528.898,25.623 C532.057,25.479 533.004,25.448 541,25.448 C548.997,25.448 549.943,25.479 553.102,25.623 C556.021,25.756 557.607,26.244 558.662,26.654 C560.06,27.196 561.058,27.846 562.106,28.894 C563.154,29.942 563.803,30.938 564.346,32.338 C564.756,33.391 565.244,34.978 565.378,37.899 C565.522,41.056 565.552,42.003 565.552,50 C565.552,57.996 565.522,58.943 565.378,62.101 M570.82,37.631 C570.674,34.438 570.167,32.258 569.425,30.349 C568.659,28.377 567.633,26.702 565.965,25.035 C564.297,23.368 562.623,22.342 560.652,21.575 C558.743,20.834 556.562,20.326 553.369,20.18 C550.169,20.033 549.148,20 541,20 C532.853,20 531.831,20.033 528.631,20.18 C525.438,20.326 523.257,20.834 521.349,21.575 C519.376,22.342 517.703,23.368 516.035,25.035 C514.368,26.702 513.342,28.377 512.574,30.349 C511.834,32.258 511.326,34.438 511.181,37.631 C511.035,40.831 511,41.851 511,50 C511,58.147 511.035,59.17 511.181,62.369 C511.326,65.562 511.834,67.743 512.574,69.651 C513.342,71.625 514.368,73.296 516.035,74.965 C517.703,76.634 519.376,77.658 521.349,78.425 C523.257,79.167 525.438,79.673 528.631,79.82 C531.831,79.965 532.853,80.001 541,80.001 C549.148,80.001 550.169,79.965 553.369,79.82 C556.562,79.673 558.743,79.167 560.652,78.425 C562.623,77.658 564.297,76.634 565.965,74.965 C567.633,73.296 568.659,71.625 569.425,69.651 C570.167,67.743 570.674,65.562 570.82,62.369 C570.966,59.17 571,58.147 571,50 C571,41.851 570.966,40.831 570.82,37.631\"><\/path><\/g><\/g><\/g><\/svg><\/div><div style=\"padding-top: 8px;\"> <div style=\" color:#3897f0; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:550; line-height:18px;\">View this post on Instagram<\/div><\/div><div style=\"padding: 12.5% 0;\"><\/div> <div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\"><div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\"><\/div> <div style=\"background-color: #F4F4F4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\"><\/div> <div style=\"background-color: #F4F4F4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div><\/div><div style=\"margin-left: 8px;\"> <div style=\" background-color: #F4F4F4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div> <div style=\" width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg)\"><\/div><\/div><div style=\"margin-left: auto;\"> <div style=\" width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div> <div style=\" background-color: #F4F4F4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div> <div style=\" width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div><\/div><\/div> <div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\"> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div> <div style=\" background-color: #F4F4F4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div><\/div><\/a><p style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; line-height:17px; margin-bottom:0; margin-top:8px; overflow:hidden; padding:8px 0 7px; text-align:center; text-overflow:ellipsis; white-space:nowrap;\"><a href=\"https:\/\/www.instagram.com\/reel\/DN475NhlfaZ\/?utm_source=ig_embed&amp;utm_campaign=loading\" style=\" color:#c9c8cd; font-family:Arial,sans-serif; font-size:14px; font-style:normal; font-weight:normal; line-height:17px; text-decoration:none;\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">A post shared by IQI (@iqiglobal)<\/a><\/p><\/div><\/blockquote>\n<script async src=\"\/\/www.instagram.com\/embed.js\"><\/script>\n\n\n\n<hr class=\"wp-block-separator aligncenter has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>PPSA Housing Loan Guide:<\/h2><ul><li><a href=\"#h-what-exactly-is-lppsa-nbsp\" data-level=\"2\">What Exactly is LPPSA? &nbsp;<\/a><\/li><li><a href=\"#h-so-who-can-apply-for-an-lppsa-loan-nbsp\" data-level=\"2\">So, Who Can Apply For an LPPSA Loan? &nbsp;<\/a><\/li><li><a href=\"#h-where-can-you-use-an-lppsa-loan-nbsp\" data-level=\"2\">Where Can You Use an LPPSA Loan? &nbsp;<\/a><\/li><li><a href=\"#h-types-of-lppsa-loans-nbsp\" data-level=\"2\">Types of LPPSA Loans &nbsp;<\/a><\/li><li><a href=\"#h-how-to-apply-for-an-lppsa-loan-step-by-step-nbsp\" data-level=\"2\">How to Apply for an LPPSA Loan (Step-by-Step): &nbsp;<\/a><\/li><li><a href=\"#h-why-choose-lppsa-over-a-bank-loan-nbsp\" data-level=\"2\">Why Choose LPPSA Over a Bank Loan? &nbsp;<\/a><\/li><li><a href=\"#h-final-thoughts-nbsp\" data-level=\"2\">Final Thoughts &nbsp;<\/a><\/li><li><a href=\"#h-frequently-asked-questions-faqs\" data-level=\"2\">Frequently Asked Questions (FAQs)<\/a><\/li><\/ul><\/div>\n\n\n\n<hr class=\"wp-block-separator aligncenter has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-exactly-is-lppsa-nbsp\"><strong>What Exactly is LPPSA?<\/strong>&nbsp;<\/h2>\n\n\n\n<p>As mentioned, <strong>LPPSA<\/strong> (Lembaga Pembiayaan Perumahan Sektor Awam) is a government agency that provides <strong>housing loans specially for Malaysian public sector<\/strong> workers. <\/p>\n\n\n\n<p>Unlike bank loans, LPPSA offers <strong>fixed low interest rates<\/strong>, long repayment periods, and doesn&rsquo;t require a credit score<\/p>\n\n\n\n<p>In short, if you&rsquo;re a government employee, LPPSA could be your <strong>most affordable<\/strong>, <strong>accessible<\/strong>, and <strong>flexible <\/strong><a href=\"https:\/\/iqiglobal.com\/blog\/important-tips-buying-your-own-home\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">path to homeownership<\/mark><\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-so-who-can-apply-for-an-lppsa-loan-nbsp\"><strong>So, Who Can Apply For an LPPSA Loan? <\/strong>&nbsp;<\/h2>\n\n\n\n<p>The LPPSA housing loan is designed specifically for those working in the <strong>Malaysian public sector<\/strong>. &nbsp;<\/p>\n\n\n\n<p>That means if you&rsquo;re a government employee &ndash; whether you&rsquo;re serving at the <strong>federal or state level<\/strong>, in a statutory body, or <strong>part of the uniformed services<\/strong> &ndash; you&rsquo;re likely <strong>eligible<\/strong>. &nbsp;<\/p>\n\n\n\n<p>However, there are still a few <strong>important conditions<\/strong> to meet before you can apply.&nbsp;<\/p>\n\n\n\n<p>To qualify, you must be a <strong>Malaysian citizen<\/strong>, hold a <strong>permanent position<\/strong> in the public sector, and be <strong>confirmed in your post<\/strong>. &nbsp;<\/p>\n\n\n\n<p>LPPSA also requires applicants to have served for <strong>at least one year<\/strong> and be free from any <strong>disciplinary action<\/strong> or <strong>bankruptcy status<\/strong>. &nbsp;<\/p>\n\n\n\n<p>To summarise, you are eligible for an LPPSA loan if:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You are a <strong>Malaysian citizen<\/strong>&nbsp;&#9989;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You are a <strong>permanent public sector employee<\/strong>&nbsp;&#9989;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You have been <strong>confirmed in your position<\/strong>&nbsp;&#9989;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You have <strong>served for at least 1 year<\/strong>&nbsp;&#9989;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You are <strong>not bankrupt<\/strong>&nbsp;&#9989;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You are <strong>not under disciplinary action or suspension<\/strong>&nbsp;&#9989;<\/li>\n<\/ul>\n\n\n\n<p>Joint applications are also allowed under LPPSA:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>PB1<\/strong>: Both applicants are public sector employees and apply under LPPSA together.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>PB2<\/strong>: Only one applicant is a public servant (uses LPPSA), and the other applies for a bank loan.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>This flexibility makes LPPSA loans suitable not just for <strong>individuals<\/strong>, but also for <strong>couples or family members<\/strong> looking to finance a home together.&nbsp;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04155510\/LPPSA-IMG-IMBD-02.webp\" alt=\"LPPSA Malaysia: Loan Eligibility, Benefits &amp; How To Apply in\" class=\"wp-image-116851\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04155510\/LPPSA-IMG-IMBD-02.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04155510\/LPPSA-IMG-IMBD-02-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04155510\/LPPSA-IMG-IMBD-02-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-where-can-you-use-an-lppsa-loan-nbsp\"><strong>Where Can You Use an LPPSA Loan?<\/strong>&nbsp;<\/h2>\n\n\n\n<p>LPPSA loans can be used to finance a wide range of <strong>residential properties across Malaysia<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Whether you&rsquo;re buying a new house from a developer, purchasing a sub-sale unit, or even planning to build your own home on a piece of land, LPPSA offers flexible financing <strong>options to suit your needs<\/strong>.&nbsp;<\/p>\n\n\n\n<p>However, there&rsquo;s one key rule: the property must carry a <strong>residential title<\/strong> and be approved by LPPSA. &nbsp;<\/p>\n\n\n\n<p>Properties with a <strong>commercial title &ndash; <\/strong>even if used for residential purposes &ndash; are not eligible under this loan scheme.&nbsp;<\/p>\n\n\n\n<p>Here&rsquo;s what you can use an LPPSA loan for:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Sub-sale homes<\/strong> (second-hand properties)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>New launch properties<\/strong> from developers&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Apartments, condominiums, terrace houses, semi-Ds, bungalows, and townhouses<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Vacant residential land<\/strong> (if you plan to build your home)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Homes under construction<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>This makes LPPSA a solid choice whether you&rsquo;re buying your first home, upgrading to a bigger space, or starting a custom build on your own land.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-of-lppsa-loans-nbsp\"><strong>Types of LPPSA Loans<\/strong>&nbsp;<\/h2>\n\n\n\n<p>One of the biggest advantages of LPPSA is its <strong>flexibility<\/strong>. &nbsp;<\/p>\n\n\n\n<p>It&rsquo;s not just for buying ready-made houses &ndash; LPPSA also offers several financing options tailored to suit different homeownership goals, whether you&rsquo;re <strong>purchasing<\/strong>, <strong>building<\/strong>, <strong>renovating<\/strong>, or <strong>refinancing<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Whether you&rsquo;re eyeing a <strong>completed unit<\/strong>, planning to <strong>build on your own land<\/strong>, or even looking to <strong>refinance an existing housing loan<\/strong>, LPPSA has a financing type that fits.  <\/p>\n\n\n\n<p>Each loan category comes with its own <strong>requirements and process<\/strong>, but all are backed by the same government support and fixed interest rates.&nbsp;<\/p>\n\n\n\n<p>Here are the main types of LPPSA loans available:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Buying a completed house: <\/strong>Ideal for sub-sale homes that are already built and ready to move in.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Buying a house under construction: <\/strong>For new projects from developers that are still being built.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Building a home on your own land: <\/strong>If you already own land and want to construct a house on it.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Buying land + building on it: <\/strong>A combined loan to purchase land and build a home in one go.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Refinancing from other lenders: <\/strong>Allows you to transfer your existing housing loan from a bank to LPPSA for better terms.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Renovating an existing home: <\/strong>Covers major renovation works that increase the value or size of your home (some restrictions apply).&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Building on land already financed by LPPSA:<\/strong> If you previously used LPPSA to buy land, you can apply again to fund the construction on that land.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>For those aged <strong>30 and below<\/strong>, LPPSA also offers the <strong>Skim Pembiayaan Perumahan Muda (SPPM) <\/strong>a special youth housing scheme, starting 1 April 2025, with:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Extended loan tenure of up to 40 years<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>100% financing<\/strong> (up to RM750,000)&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>This makes it even easier for young government servants to own their first home without a heavy financial burden early in their careers.&nbsp;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04155419\/LPPSA-IMG-IMBD-03.webp\" alt=\"\" class=\"wp-image-116850\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04155419\/LPPSA-IMG-IMBD-03.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04155419\/LPPSA-IMG-IMBD-03-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04155419\/LPPSA-IMG-IMBD-03-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-apply-for-an-lppsa-loan-step-by-step-nbsp\"><strong>How to Apply for an LPPSA Loan (Step-by-Step):<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Applying for an LPPSA loan is easier than ever, thanks to their online system. Here&rsquo;s how to do it:&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Check Eligibility<\/strong>&nbsp;<br>Make sure you&rsquo;re a confirmed government servant with at least 1 year of service.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Choose a Property<\/strong>&nbsp;<br>Check with your agent or developer if the project is <strong>LPPSA-friendly<\/strong>.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Prepare Documents<\/strong>&nbsp;<br>You&rsquo;ll need:&nbsp;<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Copy of IC&nbsp;&#9989;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Latest pay slips&nbsp;&#9989;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Confirmation of appointment letter&nbsp;&#9989;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Property documents (S&amp;P, title, valuation, etc.)&nbsp;&#9989;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Takaful\/MRTA forms&nbsp;&#9989;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>LPPSA loan form (available online)&nbsp;&#9989;<\/li>\n<\/ul>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Submit Online<\/strong>&nbsp;<br>Head to <a href=\"https:\/\/www.lppsa.gov.my\/v3\/my\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">lppsa.gov.my<\/mark><\/a> to apply.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li><strong>Wait for Approval<\/strong>&nbsp;<br>It usually takes <strong>3&ndash;5 working days<\/strong> for first-time applicants.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\">\n<li><strong>Sign Loan Offer Letter<\/strong>&nbsp;<br>Once approved, sign the agreement and your loan will be processed.&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"7\" class=\"wp-block-list\">\n<li><strong>Loan Disbursement<\/strong>&nbsp;<br>Funds will be released in stages based on the type of loan (buying\/building\/etc.).&nbsp;<\/li>\n<\/ol>\n\n\n\n<ol start=\"8\" class=\"wp-block-list\">\n<li><strong>Start Repayment<\/strong>&nbsp;<br>Deductions begin via your salary or pension automatically.&nbsp;<\/li>\n<\/ol>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04160311\/LPPSA-IMG-IMBD-06.webp\" alt=\"LPPSA Malaysia: Loan Eligibility, Benefits &amp; How To Apply in 2025\" class=\"wp-image-116856\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04160311\/LPPSA-IMG-IMBD-06.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04160311\/LPPSA-IMG-IMBD-06-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04160311\/LPPSA-IMG-IMBD-06-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-choose-lppsa-over-a-bank-loan-nbsp\"><strong>Why Choose LPPSA Over a Bank Loan?<\/strong>&nbsp;<\/h2>\n\n\n\n<p>When it comes to financing a home, many people naturally turn to banks. But for <strong>Malaysian government employees<\/strong>, LPPSA is often the smarter, safer, and more cost-effective option.&nbsp;<\/p>\n\n\n\n<p>Because it&rsquo;s <strong>backed by the Malaysian government<\/strong>, LPPSA is designed with the public sector in mind-offering features that are hard to match in the private banking world.<\/p>\n\n\n\n<p>Here&rsquo;s why LPPSA is often a better choice than a bank loan:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fixed interest rate of 4%:<\/strong> No surprises from rising interest rates. Your monthly payments stay predictable.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Long loan tenure: <\/strong>Repayment terms extend up to <strong>age 90<\/strong> or <strong>40 years<\/strong> under the SPPM scheme. (*standard loans may vary depending on age and category.)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No credit score needed: <\/strong>LPPSA doesn&rsquo;t rely on <strong><a href=\"https:\/\/iqiglobal.com\/blog\/ccris-vs-ctos\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">CCRIS or CTOS<\/mark><\/a><\/strong>, so even if you have limited credit history, you may still qualify.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>High financing margin: <\/strong>Borrow up to <strong>100% or even 105%<\/strong>, which can include legal fees, stamp duty, and other costs.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Salary deduction repayment: <\/strong>Payments are auto-deducted from your salary or pension, reducing the risk of missed payments.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Flexible usage: <\/strong>Use the loan to <strong>buy, build, renovate, or refinance<\/strong> your property, all under one government-approved scheme.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Since it&rsquo;s tailor-made for civil servants, <strong>LPPSA also has a higher approval rate<\/strong> compared to most banks especially for younger buyers or those with limited financial records. &nbsp;<\/p>\n\n\n\n<p>So, if you&rsquo;re eligible, LPPSA is not just a convenient option, it could save you money and stress in the long run.&nbsp;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04160341\/LPPSA-IMG-IMBD-05.webp\" alt=\"LPPSA Malaysia: Loan Eligibility, Benefits &amp; How To Apply in 2025\" class=\"wp-image-116857\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04160341\/LPPSA-IMG-IMBD-05.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04160341\/LPPSA-IMG-IMBD-05-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/09\/04160341\/LPPSA-IMG-IMBD-05-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-thoughts-nbsp\"><strong>Final Thoughts<\/strong>&nbsp;<\/h2>\n\n\n\n<p>If you&rsquo;re a Malaysian government servant planning to buy, build, or renovate a home, <strong>LPPSA is one of the best housing loan options available<\/strong>. &nbsp;<\/p>\n\n\n\n<p>With <strong>low fixed interest rates<\/strong>,<strong> long repayment<\/strong> periods, and <strong>flexible financing<\/strong> options, it&rsquo;s designed to make homeownership more accessible and affordable for the public sector.&nbsp;<\/p>\n\n\n\n<p>Whether you&rsquo;re just starting out or looking to upgrade, <strong>understanding how LPPSA<\/strong> <strong>works <\/strong>could help you make a smarter, more confident decision when it comes to financing your dream home.&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator aligncenter has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-faqs\"><strong>Frequently Asked Questions (FAQs) <\/strong><\/h2>\n\n\n\n<div class=\"wp-block-esab-accordion esab-4yy7jidy\" data-mode=\"global\"><div class=\"esab__container\">\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">1. Who is eligible for an LPPSA housing loan?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Malaysian citizens working in the public sector with a confirmed position and at least one year of service are eligible.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">2. What types of properties can be financed with LPPSA?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>LPPSA loans can be used for residential properties like sub-sale homes, new launches, land, or homes under construction.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">3. How much can I borrow under LPPSA?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Eligible applicants can get up to 100% (or 105%) financing, depending on the loan type and costs involved.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">4. What makes LPPSA better than a bank loan?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>LPPSA offers fixed interest rates, longer tenures, no credit checks, and salary-deducted repayments, making it more accessible for civil servants.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator aligncenter has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p><strong><mark><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">If you need any assistance with the home-buying or renting process, our IQI agents are here to help in every possible way. Drop us a message below, and we&rsquo;ll get back to you<\/mark><\/mark><\/strong>.<\/p>\n\n\n\n<!--  \t\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/blog\/wp-admin\/admin-post.php\" method=\"post\"> -->\n\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/leads\/blog\/invest\" method=\"post\">\n\t\t<input type=\"hidden\" name=\"previous_url\" value=\"\">\n        <input type=\"hidden\" name=\"action\" value=\"custom_blog_form\">\n\t\t<input type=\"hidden\" name=\"consent_agreement\" value=\"0\">\n\t\t<input type=\"hidden\" name=\"current_url\" value=\"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/116819\">\n\n        <input type=\"hidden\" id=\"_wpnonce\" name=\"_wpnonce\" value=\"4faf526ef5\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/blog\/wp-json\/wp\/v2\/posts\/116819\" \/>\n        <div class=\"custom-lead-form-div\">\n            <label class=\"custom-lead-form-label\" for=\"full_name\">Full Name:<\/label><br>\n       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value=\"Selangor\">Selangor<\/option><option value=\"Terengganu\">Terengganu<\/option>\t\t\t\t\t<\/optgroup>\n\t\t\t\t\t<optgroup label=\"Other Countries\">\n\t\t\t\t\t\t<option value=\"Afghanistan\">Afghanistan<\/option><option value=\"Albania\">Albania<\/option><option value=\"Algeria\">Algeria<\/option><option value=\"American Samoa\">American Samoa<\/option><option value=\"Andorra\">Andorra<\/option><option value=\"Angola\">Angola<\/option><option value=\"Anguilla\">Anguilla<\/option><option value=\"Antarctica\">Antarctica<\/option><option value=\"Antigua and Barbuda\">Antigua and Barbuda<\/option><option value=\"Argentina\">Argentina<\/option><option value=\"Armenia\">Armenia<\/option><option value=\"Aruba\">Aruba<\/option><option value=\"Ashmore and Cartier\">Ashmore and Cartier<\/option><option value=\"Australia\">Australia<\/option><option value=\"Austria\">Austria<\/option><option value=\"Azerbaijan\">Azerbaijan<\/option><option value=\"Bahrain\">Bahrain<\/option><option value=\"Baker Island\">Baker Island<\/option><option value=\"Bangladesh\">Bangladesh<\/option><option value=\"Barbados\">Barbados<\/option><option value=\"Bassas da India\">Bassas da India<\/option><option value=\"Belarus\">Belarus<\/option><option value=\"Belgium\">Belgium<\/option><option value=\"Belize\">Belize<\/option><option value=\"Benin\">Benin<\/option><option value=\"Bermuda\">Bermuda<\/option><option value=\"Bhutan\">Bhutan<\/option><option value=\"Bolivia\">Bolivia<\/option><option value=\"Bonaire\">Bonaire<\/option><option value=\"Bosnia and Herzegovina\">Bosnia and Herzegovina<\/option><option value=\"Botswana\">Botswana<\/option><option value=\"Bouvet Island\">Bouvet Island<\/option><option value=\"Brazil\">Brazil<\/option><option value=\"British Indian Ocean Territory\">British Indian Ocean Territory<\/option><option value=\"British Virgin Islands\">British Virgin Islands<\/option><option value=\"Brunei Darussalam\">Brunei Darussalam<\/option><option value=\"Bulgaria\">Bulgaria<\/option><option value=\"Burkina Faso\">Burkina Faso<\/option><option value=\"Burundi\">Burundi<\/option><option value=\"Cambodia\">Cambodia<\/option><option value=\"Cameroon\">Cameroon<\/option><option value=\"Canada\">Canada<\/option><option value=\"Cape Verde\">Cape Verde<\/option><option value=\"Cayman Islands\">Cayman Islands<\/option><option value=\"Central African Republic\">Central African Republic<\/option><option value=\"Chad\">Chad<\/option><option value=\"Chile\">Chile<\/option><option value=\"China\">China<\/option><option value=\"Christmas Island\">Christmas Island<\/option><option value=\"Clipperton Island\">Clipperton Island<\/option><option value=\"Cocos (Keeling) Islands\">Cocos (Keeling) Islands<\/option><option value=\"Colombia\">Colombia<\/option><option value=\"Comoros\">Comoros<\/option><option value=\"Congo, Democratic Republic of the\">Congo, Democratic Republic of the<\/option><option value=\"Congo, Republic of the\">Congo, Republic of the<\/option><option value=\"Cook Islands\">Cook Islands<\/option><option value=\"Coral Sea Islands\">Coral Sea Islands<\/option><option value=\"Costa Rica\">Costa Rica<\/option><option value=\"Cote d'Ivoire\">Cote d'Ivoire<\/option><option value=\"Croatia\">Croatia<\/option><option value=\"Cuba\">Cuba<\/option><option value=\"Curacao\">Curacao<\/option><option value=\"Cyprus\">Cyprus<\/option><option value=\"Czech Republic\">Czech Republic<\/option><option value=\"Denmark\">Denmark<\/option><option value=\"Djibouti\">Djibouti<\/option><option value=\"Dominica\">Dominica<\/option><option value=\"Dominican Republic\">Dominican Republic<\/option><option value=\"East Timor\">East Timor<\/option><option value=\"Ecuador\">Ecuador<\/option><option value=\"Egypt\">Egypt<\/option><option value=\"El Salvador\">El Salvador<\/option><option value=\"Equatorial Guinea\">Equatorial Guinea<\/option><option value=\"Eritrea\">Eritrea<\/option><option value=\"Estonia\">Estonia<\/option><option value=\"Ethiopia\">Ethiopia<\/option><option value=\"Europa Island\">Europa Island<\/option><option value=\"Falkland Islands\">Falkland Islands<\/option><option value=\"Faroe Islands\">Faroe Islands<\/option><option value=\"Fiji\">Fiji<\/option><option value=\"Finland\">Finland<\/option><option value=\"France\">France<\/option><option value=\"French Guiana\">French Guiana<\/option><option value=\"French Polynesia\">French Polynesia<\/option><option value=\"French Southern and Antarctic Lands\">French Southern and Antarctic Lands<\/option><option value=\"Gabon\">Gabon<\/option><option value=\"Gaza Strip\">Gaza Strip<\/option><option value=\"Georgia\">Georgia<\/option><option value=\"Germany\">Germany<\/option><option value=\"Ghana\">Ghana<\/option><option value=\"Gibraltar\">Gibraltar<\/option><option value=\"Glorioso Islands\">Glorioso Islands<\/option><option value=\"Greece\">Greece<\/option><option value=\"Greenland\">Greenland<\/option><option value=\"Grenada\">Grenada<\/option><option value=\"Guadeloupe\">Guadeloupe<\/option><option value=\"Guam\">Guam<\/option><option value=\"Guatemala\">Guatemala<\/option><option value=\"Guernsey\">Guernsey<\/option><option value=\"Guinea\">Guinea<\/option><option value=\"Guinea-Bissau\">Guinea-Bissau<\/option><option value=\"Guyana\">Guyana<\/option><option value=\"Haiti\">Haiti<\/option><option value=\"Heard Island and McDonald Islands\">Heard Island and McDonald Islands<\/option><option value=\"Holy See\">Holy See<\/option><option value=\"Honduras\">Honduras<\/option><option value=\"Hong Kong (SAR)\">Hong Kong (SAR)<\/option><option value=\"Howland Island\">Howland Island<\/option><option value=\"Hungary\">Hungary<\/option><option value=\"Iceland\">Iceland<\/option><option value=\"India\">India<\/option><option value=\"Indonesia\">Indonesia<\/option><option value=\"Iran\">Iran<\/option><option value=\"Iraq\">Iraq<\/option><option value=\"Ireland\">Ireland<\/option><option value=\"Isle of Man\">Isle of Man<\/option><option value=\"Israel\">Israel<\/option><option value=\"Italy\">Italy<\/option><option value=\"Jamaica\">Jamaica<\/option><option value=\"Japan\">Japan<\/option><option value=\"Jarvis Island\">Jarvis Island<\/option><option value=\"Jersey\">Jersey<\/option><option value=\"Johnston Atoll\">Johnston Atoll<\/option><option value=\"Jordan\">Jordan<\/option><option value=\"Juan de Nova Island\">Juan de Nova Island<\/option><option value=\"Kazakhstan\">Kazakhstan<\/option><option value=\"Kenya\">Kenya<\/option><option value=\"Kingman Reef\">Kingman Reef<\/option><option value=\"Kiribati\">Kiribati<\/option><option value=\"Kuwait\">Kuwait<\/option><option value=\"Kyrgyzstan\">Kyrgyzstan<\/option><option value=\"Laos\">Laos<\/option><option value=\"Latvia\">Latvia<\/option><option value=\"Lebanon\">Lebanon<\/option><option value=\"Lesotho\">Lesotho<\/option><option value=\"Liberia\">Liberia<\/option><option value=\"Libya\">Libya<\/option><option value=\"Liechtenstein\">Liechtenstein<\/option><option value=\"Lithuania\">Lithuania<\/option><option value=\"Luxembourg\">Luxembourg<\/option><option value=\"Macau (SAR)\">Macau (SAR)<\/option><option value=\"Madagascar\">Madagascar<\/option><option value=\"Malawi\">Malawi<\/option><option value=\"Malaysia\">Malaysia<\/option><option value=\"Maldives\">Maldives<\/option><option value=\"Mali\">Mali<\/option><option value=\"Malta\">Malta<\/option><option value=\"Marshall Islands\">Marshall Islands<\/option><option value=\"Martinique\">Martinique<\/option><option value=\"Mauritania\">Mauritania<\/option><option value=\"Mauritius\">Mauritius<\/option><option value=\"Mayotte\">Mayotte<\/option><option value=\"Mexico\">Mexico<\/option><option value=\"Micronesia\">Micronesia<\/option><option value=\" Federated States of\"> Federated States of<\/option><option value=\"Midway Islands\">Midway Islands<\/option><option value=\"Moldova\">Moldova<\/option><option value=\"Monaco\">Monaco<\/option><option value=\"Mongolia\">Mongolia<\/option><option value=\"Montenegro\">Montenegro<\/option><option value=\"Montserrat\">Montserrat<\/option><option value=\"Morocco\">Morocco<\/option><option value=\"Mozambique\">Mozambique<\/option><option value=\"Myanmar\">Myanmar<\/option><option value=\"Namibia\">Namibia<\/option><option value=\"Nauru\">Nauru<\/option><option value=\"Navassa Island\">Navassa Island<\/option><option value=\"Nepal\">Nepal<\/option><option value=\"Netherlands\">Netherlands<\/option><option value=\"Netherlands Antilles\">Netherlands Antilles<\/option><option value=\"New Caledonia\">New Caledonia<\/option><option value=\"New Zealand\">New Zealand<\/option><option value=\"Nicaragua\">Nicaragua<\/option><option value=\"Niger\">Niger<\/option><option value=\"Nigeria\">Nigeria<\/option><option value=\"Niue\">Niue<\/option><option value=\"Norfolk Island\">Norfolk Island<\/option><option value=\"North Korea\">North Korea<\/option><option value=\"North Macedonia\">North Macedonia<\/option><option value=\"Northern Mariana Islands\">Northern Mariana Islands<\/option><option value=\"Norway\">Norway<\/option><option value=\"Oman\">Oman<\/option><option value=\"Pakistan\">Pakistan<\/option><option value=\"Palau\">Palau<\/option><option value=\"Palestine\">Palestine<\/option><option value=\"Occupied\">Occupied<\/option><option value=\"Palmyra Atoll\">Palmyra Atoll<\/option><option value=\"Panama\">Panama<\/option><option value=\"Papua New Guinea\">Papua New Guinea<\/option><option value=\"Paraguay\">Paraguay<\/option><option value=\"Peru\">Peru<\/option><option value=\"Philippines\">Philippines<\/option><option value=\"Pitcairn Islands\">Pitcairn Islands<\/option><option value=\"Poland\">Poland<\/option><option value=\"Portugal\">Portugal<\/option><option value=\"Puerto Rico\">Puerto Rico<\/option><option value=\"Qatar\">Qatar<\/option><option value=\"R\u00e9union\">R\u00e9union<\/option><option value=\"Romania\">Romania<\/option><option value=\"Russia\">Russia<\/option><option value=\"Rwanda\">Rwanda<\/option><option value=\"Saint Barth\u00e9lemy\">Saint Barth\u00e9lemy<\/option><option value=\"Saint Helena\">Saint Helena<\/option><option value=\"Saint Kitts and Nevis\">Saint Kitts and Nevis<\/option><option value=\"Saint Lucia\">Saint Lucia<\/option><option value=\"Saint Martin (French part)\">Saint Martin (French part)<\/option><option value=\"Saint Pierre and Miquelon\">Saint Pierre and Miquelon<\/option><option value=\"Saint Vincent and the Grenadines\">Saint Vincent and the Grenadines<\/option><option value=\"San Marino\">San Marino<\/option><option value=\"S\u00e3o Tom\u00e9 and Pr\u00edncipe\">S\u00e3o Tom\u00e9 and Pr\u00edncipe<\/option><option value=\"Saudi Arabia\">Saudi Arabia<\/option><option value=\"Senegal\">Senegal<\/option><option value=\"Serbia\">Serbia<\/option><option value=\"Serbia and Montenegro\">Serbia and Montenegro<\/option><option value=\"Seychelles\">Seychelles<\/option><option value=\"Sierra Leone\">Sierra Leone<\/option><option value=\"Singapore\">Singapore<\/option><option value=\"Sint Maarten\">Sint Maarten<\/option><option value=\"Slovakia\">Slovakia<\/option><option value=\"Slovenia\">Slovenia<\/option><option value=\"Solomon Islands\">Solomon Islands<\/option><option value=\"Somalia\">Somalia<\/option><option value=\"South Africa\">South Africa<\/option><option value=\"South Georgia and the South Sandwich Islands\">South Georgia and the South Sandwich Islands<\/option><option value=\"South Korea\">South Korea<\/option><option value=\"South Sudan\">South Sudan<\/option><option value=\"Spain\">Spain<\/option><option value=\"Spratly Islands\">Spratly Islands<\/option><option value=\"Sri Lanka\">Sri Lanka<\/option><option value=\"Sudan\">Sudan<\/option><option value=\"Suriname\">Suriname<\/option><option value=\"Svalbard and Jan Mayen\">Svalbard and Jan Mayen<\/option><option value=\"Swaziland\">Swaziland<\/option><option value=\"Sweden\">Sweden<\/option><option value=\"Switzerland\">Switzerland<\/option><option value=\"Syria\">Syria<\/option><option value=\"Taiwan\">Taiwan<\/option><option value=\" China\"> China<\/option><option value=\"Tajikistan\">Tajikistan<\/option><option value=\"Tanzania\">Tanzania<\/option><option value=\"Thailand\">Thailand<\/option><option value=\"The Bahamas\">The Bahamas<\/option><option value=\"The Gambia\">The Gambia<\/option><option value=\"Togo\">Togo<\/option><option value=\"Tokelau\">Tokelau<\/option><option value=\"Tonga\">Tonga<\/option><option value=\"Trinidad and Tobago\">Trinidad and Tobago<\/option><option value=\"Tromelin Island\">Tromelin Island<\/option><option value=\"Tunisia\">Tunisia<\/option><option value=\"Turkey\">Turkey<\/option><option value=\"Turkmenistan\">Turkmenistan<\/option><option value=\"Turks and Caicos Islands\">Turks and Caicos Islands<\/option><option value=\"Tuvalu\">Tuvalu<\/option><option value=\"Uganda\">Uganda<\/option><option value=\"Ukraine\">Ukraine<\/option><option value=\"United Arab Emirates\">United Arab Emirates<\/option><option value=\"United Kingdom\">United Kingdom<\/option><option value=\"United States\">United States<\/option><option value=\"United States Minor Outlying Islands\">United States Minor Outlying Islands<\/option><option value=\"Uruguay\">Uruguay<\/option><option value=\"Uzbekistan\">Uzbekistan<\/option><option value=\"Vanuatu\">Vanuatu<\/option><option value=\"Venezuela\">Venezuela<\/option><option value=\"Vietnam\">Vietnam<\/option><option value=\"Virgin Islands (US)\">Virgin Islands (US)<\/option><option value=\"Wake Island\">Wake Island<\/option><option value=\"Wallis and Futuna\">Wallis and Futuna<\/option><option value=\"West Bank\">West Bank<\/option><option value=\"Western Sahara\">Western Sahara<\/option><option value=\"Western Samoa\">Western Samoa<\/option><option value=\"World\">World<\/option><option value=\"Yemen\">Yemen<\/option><option value=\"Yugoslavia\">Yugoslavia<\/option><option value=\"Zaire\">Zaire<\/option><option value=\"Zambia\">Zambia<\/option><option value=\"Zimbabwe\">Zimbabwe<\/option>\t\t\t\t\t<\/optgroup>\n            <\/select>\n        <\/div>\n\n        <div class=\"custom-lead-form-div\" style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 20px;\">\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"your_email\">Email:<\/label><br>\n\t\t\t\t<input type=\"email\" name=\"email\" class=\"full-width-input custom-lead-form-input\" required>\n\t\t\t<\/div>\n\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"phone_number\">Phone Number:<\/label><br>\n\t\t\t\t<div class=\"phone-input-wrapper\">\n\t\t\t\t\t<span id=\"country-code-display\">+60<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"phone_number_input\" placeholder=\"123456789\" required>\n\t\t\t\t\t<input type=\"hidden\" name=\"phone_number\" id=\"final_phone_number\">\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n    \t<\/div>\n\n\t\t<div id=\"interest-error\" style=\"color: red; display: none;\">\n\t\t\tPlease select at least one interest.\n\t\t<\/div>\n\n\t\t<div id=\"interest-group\" class=\"custom-lead-form-div\">\n\t\t\t<p>\n\t\t\t\t<label class=\"custom-checkbox-label\">I want to (Investor)<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"invest\"> Invest<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"buy\"> Buy<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"sell\"> Sell<\/label><br>\n\t\t\t<\/p>\n\t\t<\/div>\n\n\t\t<div class=\"custom-lead-form-div\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"consent_agreement\" value=\"1\" required> I give my consent to share my information to submit this form. For more details on our data practices, please refer to our <a href=\"https:\/\/www.iqiglobal.com\/privacy-policy\">Privacy Policy.<\/a><\/label><br>\n\t\t\t<input type=\"hidden\" name=\"newsletter\" value=\"0\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"newsletter\" value=\"1\"> I want the latest property updates, marketing emails, and newsletters from IQI Global by subscribing to IQI Global mailing list<\/label><br>\n\t\t<\/div>\n\n\t\t<input type=\"hidden\" name=\"g-recaptcha-response\" id=\"g-recaptcha-response\">\n\n\n        <p>\n            <button type=\"submit\">Submit<\/button>\n        <\/p>\n    <\/form>\n\n\t<style>\n        .full-width-input {\n            width: 100%;\n            padding: 8px;\n            box-sizing: border-box;\n        }\n\t\t.custom-lead-form-div {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.custom-lead-form-input {\n\t\t\tpadding: 8px 12px !important;\n\t\t\tborder-color: var(--theme-color-input_bd_color) !important;\n\t\t}\n\t\t.custom-lead-form-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 500 !important;\n\t\t}\n\n\t\t.custom-checkbox-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 400 !important;\n\t\t}\n\n\t\t.phone-input-wrapper {\n\t\t\tdisplay: flex;\n\t\t\talign-items: center;\n\t\t\tborder: 1px solid #ffb199; 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