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 / AKPK Designated Branches below:

  • EPF Kuala Lumpur
  • EPF Petaling Jaya
  • EPF Johor Bahru
  • EPF Seberang Jaya
  • EPF Ipoh
  • EPF Seremban
  • EPF Melaka
  • AKPK Kuala Lumpur*
  • AKPK Johor Bahru
  • AKPK Penang
  • AKPK Ipoh
  • AKPK Melaka
*for Selangor, Negeri Sembilan & Kuala Lumpur.
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

Submit your application 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 submit the application ONLINE or SEND to designated EPF branches at Jalan Raja Laut, KL or PJX-HM Shah Tower, Selangor or designated AKPK branch at Jalan Raja Laut, KL.

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

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