How to Apply | Cagamas - Skim Saraan Bercagar (SSB)

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

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 Selangor
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

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

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

Step 4

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

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:

SKIM SARAAN BERCAGAR
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.

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