政府在2015年的财政预算案之中宣布，政府将与国民储蓄银行、雇员公积金局及国家按揭公司精明合作，推出青年房屋计划（Youth Housing Scheme）简称YHS。
这项计划只限于购买首间房屋，且价格不超过50万令吉的青年，对象是年龄25至40岁的已婚者，以及家庭收入不超过1万令吉，而房贷最长摊还期是35年。
在青年房屋计划下，青年夫妇将获得每月可获得200令吉奖掖，以缴付每月贷款，奖掖将长达2年。透过这项计划，青年夫妇也可豁免50%房屋印花税。200令吉奖掖将透过BSN的
GIRO / GIROi户口派发。申请者也可申请从公积金第二户口提领部分存款做为房屋买卖所需。
有兴趣申请吗？ 更多详情可拨打BSN热线1 300 88 1900来查询更多。
以下是青年房屋计划（Youth Housing Scheme），简称YHS的详情，包括申请条件、好处等
青年房屋计划（Youth Housing Scheme）的好处
1. 可获最低RM 100,000，最高RM 500,000的房屋贷款
2. 可获得100%房屋价格贷款
3. 每月可得200令吉奖掖，长达2年
青年房屋计划（Youth Housing Scheme）的申请资格：
1. 大马公民
2.年龄介于25岁至40岁的青年夫妇
3. 家庭月收入不超过RM 10,000
4. 第一次购买房屋者
5. 房屋贷款供期最多35年或房屋拥有者年龄最高至65岁
申请所需文件：
1. BSN房贷申请表格
2. 房屋购买合约相关证据
3. 身份证副本
打工一族
4. 最新3个月的薪水单
5. 最新3个月的银行statements
6. EPF Statement
7. 雇主工作聘请信函
8. EA / EC Form（收入证明）
自雇人士
4. B/BE Form 和 LHDN Receipt
5. SSM 的Registration Letter （开店者）
6. 最新6个月的银行statements
7. 其他相关文件
联名申请者
4. 双方身份证副本
5. 最新3个月的薪水单
Youth Housing Scheme的申请表格和利息等可以点击以下右边的衔接
Youth Housing Scheme is a first-time home ownership scheme for married youth aged between 25 to 40 years with household income no more than RM 10,000 per month.
» This facility is offered for financing a purchase of property either completed,
under construction or sub-sale.
» Malaysian citizen
» Aged 25 to 40 years old (subject to age limit of not more than 65 years old at
the end of the Loan period)
» Married
» Household income no more than RM10,000 per month
» First time purchaser
» Individual / Joint Loan
» BSN GIRO / GIRO-i account holder» Proof of purchase
» Self Employed Applicant / Co-applicant (spouse only)
- Company’s registration (SSM)
- B/BE Form + LHDN Receipt
- Company’s Financial Statement
- 6 months company bank statement
- Other documents i.e site visit report etc.
» Proof of purchase consisting of a copy of Property Sale and Purchase Agreement(S &P), which has been stamped.
If the S&P has not been completed, the deposit receipt /pro forma purchase orders is acceptable for the purpose
of approving the application
» A copy of valuation report (for the purchase of completed property from individuals / non-developers) of BSN panel valuer
» Master / Individual title (if any)
» Statutory Declaration (SD) for the purchase of the first house and self-occupied
Note: The statutory declaration must be signed by the applicant and co-applicant/ spouse (if not co-applicant)
这项计划只限于购买首间房屋，且价格不超过50万令吉的青年，对象是年龄25至40岁的已婚者，以及家庭收入不超过1万令吉，而房贷最长摊还期是35年。
在青年房屋计划下，青年夫妇将获得每月可获得200令吉奖掖，以缴付每月贷款，奖掖将长达2年。透过这项计划，青年夫妇也可豁免50%房屋印花税。200令吉奖掖将透过BSN的
GIRO / GIROi户口派发。申请者也可申请从公积金第二户口提领部分存款做为房屋买卖所需。
有兴趣申请吗？ 更多详情可拨打BSN热线1 300 88 1900来查询更多。
以下是青年房屋计划（Youth Housing Scheme），简称YHS的详情，包括申请条件、好处等
青年房屋计划（Youth Housing Scheme）的好处
1. 可获最低RM 100,000，最高RM 500,000的房屋贷款
2. 可获得100%房屋价格贷款
3. 每月可得200令吉奖掖，长达2年
青年房屋计划（Youth Housing Scheme）的申请资格：
1. 大马公民
2.年龄介于25岁至40岁的青年夫妇
3. 家庭月收入不超过RM 10,000
4. 第一次购买房屋者
5. 房屋贷款供期最多35年或房屋拥有者年龄最高至65岁
申请所需文件：
1. BSN房贷申请表格
2. 房屋购买合约相关证据
3. 身份证副本
打工一族
4. 最新3个月的薪水单
5. 最新3个月的银行statements
6. EPF Statement
7. 雇主工作聘请信函
8. EA / EC Form（收入证明）
自雇人士
4. B/BE Form 和 LHDN Receipt
5. SSM 的Registration Letter （开店者）
6. 最新6个月的银行statements
7. 其他相关文件
联名申请者
4. 双方身份证副本
5. 最新3个月的薪水单
Youth Housing Scheme的申请表格和利息等可以点击以下右边的衔接
Youth Housing Scheme
Youth Housing Scheme is a first-time home ownership scheme for married youth aged between 25 to 40 years with household income no more than RM 10,000 per month.
What Next?
Read Youth Housing Scheme Product Disclosure Sheet.
Apply for Youth Housing Scheme.
Statutory Declaration (Applicant).
Statutory Declaration (Applicant's Spouse).
Read Youth Housing Scheme Product Disclosure Sheet.
Apply for Youth Housing Scheme.
Statutory Declaration (Applicant).
Statutory Declaration (Applicant's Spouse).
Loan Benefits
» This facility is offered for financing a purchase of property either completed,
under construction or sub-sale.
Requirements
» Malaysian citizen
» Aged 25 to 40 years old (subject to age limit of not more than 65 years old at
the end of the Loan period)
» Married
» Household income no more than RM10,000 per month
» First time purchaser
» Individual / Joint Loan
» BSN GIRO / GIRO-i account holder» Proof of purchase
Required Documents
BSN application form
» IC copy
» A valid marriage certificate
» Salaried Applicant / Co-applicant (spouse only)
- Latest 3 months payslips
Note: For single application, spouse of the applicant must submit one (1) copy of the latest payslip
- Latest 3 months bank statement
- Latest 6 months payslip and bank statement (other income)
- EPF statement
» A valid marriage certificate
» Salaried Applicant / Co-applicant (spouse only)
- Latest 3 months payslips
Note: For single application, spouse of the applicant must submit one (1) copy of the latest payslip
- Latest 3 months bank statement
- Latest 6 months payslip and bank statement (other income)
- EPF statement
» Self Employed Applicant / Co-applicant (spouse only)
- Company’s registration (SSM)
- B/BE Form + LHDN Receipt
- Company’s Financial Statement
- 6 months company bank statement
- Other documents i.e site visit report etc.
» Proof of purchase consisting of a copy of Property Sale and Purchase Agreement(S &P), which has been stamped.
If the S&P has not been completed, the deposit receipt /pro forma purchase orders is acceptable for the purpose
of approving the application
» A copy of valuation report (for the purchase of completed property from individuals / non-developers) of BSN panel valuer
» Master / Individual title (if any)
» Statutory Declaration (SD) for the purchase of the first house and self-occupied
Note: The statutory declaration must be signed by the applicant and co-applicant/ spouse (if not co-applicant)
Features
Property Price
» Minimum: RM 100,000
» Maximum: RM 500,000
» Minimum: RM 100,000
» Maximum: RM 500,000
Margin of Loan
» Property: Up to 100% of the purchase price/ market price (whichever is lower)
» MRTA: Up to maximum 5% of the purchase price/ market price (whichever is lower)
» Property: Up to 100% of the purchase price/ market price (whichever is lower)
» MRTA: Up to maximum 5% of the purchase price/ market price (whichever is lower)
Loan Period
» Minimum : 5 years
» Maximum : 35 years (subject to age limit of not more than 65 years old at the end of the Loan period).
» Minimum : 5 years
» Maximum : 35 years (subject to age limit of not more than 65 years old at the end of the Loan period).
Interest Rate
» Pricing range between BR+0.45% up to BR+2.85% depending on the customer’s profile and property location.
Note: Current BR is 4.10% p.a.
» Pricing range between BR+0.45% up to BR+2.85% depending on the customer’s profile and property location.
Note: Current BR is 4.10% p.a.
Late Payment Charges
Monthly Installments in Arrears × 1% × Number Of Days Overdue
365
365
Stamp Duty
» Principal Documents - Will be charged on ad valorem basis.
» Other Documents – RM 10
» Other Documents – RM 10
