100% loan upon banks approval (for first house buyer only) • Withdrawal of EPF for first 10% down payment (for first house buyer only) • 2nd homebuyer is allowed as long as the individual or the spouse do not own any property in Wilayah Persekutuan • Investment: The property is allowed to be rented out to Malaysian but not foreigner • Moratorium: 10 years sales restriction (Except to Spouse or Children) • Malaysian citizen 21 years old and above, born, residing or working in Federal Territory. The applicant must submit a salary statement for 3 months as proof of working or attach an electric bill and water bill or other document as proof of the residence in Federal Territory • Applicants are only allowed to apply for one project only • 10% payment upon signing of SPA, if the applicants are not able to obtained 100% loan