Applying for Skim Saraan Bercagar (SSB) Reverse Mortgage is easy!

Follow each of the steps below and you’re on your way to secure a fixed monthly income throughout your retirement years. Refer to our application flow chart for an easy overview of the process.

Step 1

Step 1

Walk-in to any of the EPF Designated Branches below:

EPF Kuala Lumpur
Ground Floor KWSP Building
Jalan Raja Laut
50350 Kuala Lumpur
EPF Petaling Jaya Services Counter
PJX-HM Shah Tower
Lot A, Ground Level,
No. 16A, Persiaran Barat
46050 Petaling Jaya
EPF Johor Bahru
Tingkat 1, 12-18,
Bangunan KWSP, Jalan Dato' Dalam
80000 Johor Bahru, Johor
EPF Seberang Jaya
EPF Building Seberang Jaya
No. 3009, Off Lebuh Tenggiri 2
Bandar Seberang Jaya
13700 Prai
Pulau Pinang
EPF Ipoh
Tingkat Bawah, 5,6,7, & 8,
Bangunan KWSP, Jalan Greentown,
30450, Ipoh, Perak.
EPF Seremban
No1, Jalan Dato’ As Dawood,
70100, Seremban, Negeri Sembilan
EPF Melaka
KWSP Bandar Melaka, Bangunan KWSP,
Jalan MITC, Hang Tuah Jaya,
75450, Ayer Keroh, Melaka.
Step 2

Step 2

Take a pre-assessment test to determine your eligibility. Here are some basic information that you would need to provide:

Personal Details

  • Age of borrower or borrowers (for joint SSB Loan)

Property Details

  • Estimation of property's market value
  • Type of property
  • Location of property
  • Land title of property (i.e. Freehold or Leasehold)
Step 3

Step 3

Schedule an advisory appointment with the Credit Counselling and Debt Management Agency (AKPK).

Step 4

Step 4

Complete the reverse mortgage financial advisory module with AKPK at the nearest AKPK Branch.

Step 5

Step 5

Once completed, you can submit your application to Cagamas. Make sure to attach AKPK’s confirmation of attendance form and other relevant supporting documents together with your application.

Submit your application ONLINE OR SEND to Cagamas office via registered post: 

Cagamas Berhad, 
Level 32, The Gardens North Tower, Lingkaran Syed Putra, Mid Valley City, 59200 Kuala Lumpur.

Customer can also drop the Application Form at Cagamas office or designated EPF branches at Jalan Raja Laut, KL or PJX-HM Shah Tower, Selangor.

Want to learn more about Skim Saraan Bercagar (SSB) Reverse Mortgage?

Want to learn more about Skim Saraan Bercagar (SSB)  Reverse Mortgage?