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Subsidized Loan by State Government of Sabah
For civil servants serving in the State Government of Sabah.
Guidelines, terms & conditions under the loan scheme as stipulated in
Ministry of Finance’s circular letter – KEW(s) 500-4/1/Klt.5 issued on 3rd
December, 2013, which is effective from 3rd December 2013.
100% of cost of property/selling price (subject to applicant's eligibility).
Maximum loan is RM400,000.- subject to confirmation of entitlement by the Sabah
Maximum Repayment Period
30 years subject to age plus repayment tenure not exceeding 70 years.
Subsidized Interest Rate
At 3% per annum on monthly rest.
Frequently Asked Questions
Can we utilize the balance of our Government loan entitlement
to purchase a 2nd property?
Yes, you may apply but subject to Government’s approval.
What is your maximum loan period?
Our maximum loan period is 30 years subject to age not
exceeding 70 years whichever is earlier.
If we have a loan with other Bank, can we transfer our loan to
Borneo Housing utilizing our Government subsidised loan?
Yes, you may but subject to Government’s approval.
If I am building my own house using direct labour, can I
request for advance payment in order to commence the construction of the
No, we do not allow payment in advance. Release of loan upon
completion of documentation can only be made progressively based on our
Company’s Progress Report on construction works achieved.
If I apply for Borneo Housing loan, can the legal fees be paid
from the loan approved?
No, we do not allow the legal fees to be deducted from the approved loan and
other disbursements are to be paid by you.
My land is situated at the Kampong Reserve, is it acceptable as
Since the land belongs to the Community for e.g. the Kampong
itself and not individual, it is therefore not acceptable to us as a security
for loan facility.
I am in the State Government service and my wife is a housewife
and I intend to apply for Government subsidise loan, can I apply to include my
wife’s name in the loan?
Under the Government Housing Loan Scheme, both must be in the
State Government service.
* The Company reserves the right to vary the above information, terms &
conditions from time to time without assigning any reason whatsoever.