1. Member(s’) will need to seek FNPF further transfer request first before a formal application is lodged.
2. If a member was previously assisted with a house in the village, then he/she may purchase a second house in the urban area provided that:

(a). The funds approved under the village scheme were fully and properly utilized.
(b). The member has provided photographs of the house, as well as a statutory declaration confirming that the house was constructed in the specified village location.
(c). The member’s parents or immediate family will occupy the house in the village.

3. This scheme does not finance purchase agricultural land or commercial properties.
4. Members shall not be entitled for any further housing transfers, if they have previously misused funds under the Village or Direct Housing Loan Schemes, unless heir previous transferred amounts are fully repaid. Incomplete Village housing transfers may be included in the FNPF charge but each case will be assessed on its own merit.
5. The Fund only assists members to purchase one property. However, in the case where a member is relocated from his/her usual place of residence due to employment reasons and wishes to purchase a property for future occupation, a request may be considered provided the member submits confirmation from his/her employer.
6. Members may apply for a further transfer to purchase another home provided the previous transfers are fully repaid to FNPF and the first property is free from any mortgage.
7. Repayment ratio after transfer must not exceed 35% of the member’s and joint owners’ gross income per month. Managers reserve the right to consider an application where the repayment ratio is above 35% but not exceeding 45% & is dependent on the total income.
8. Repayment term of the loan is to be within the member’s retirement age of 55 years, or 60 years, as approved by the Fund under certain circumstances (e.g. if a member is 45 years, his/her repayment term should not exceed 10 years or 15 years maximum).
9. Incomplete applications will not be accepted.

• Complete FNPF Form 9G/H
• Loan Offer Letter
• Copy of Title
• Current Valuation report of the property from one of our FNPF Approved Panel of Valuers.
• Current Salary Slip or evidences of Income$10.00 processing fees (per applicant)
• If member unemployed than satisfaction letter from lender.