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

Schedule an appointment with EPF at any of the branches below via this link:

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
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 SSB application for the Skim Saraan Bercagar Loan to Cagamas. Make sure to attach AKPK’s confirmation of attendance form and other relevant supporting documents together with your application.

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

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