Essential Package
RM180–220 / sq ft
Recommended for
Terrace homes & budget-conscious builds
- Earthworks & pad foundation
- Reinforced concrete structure
- Metal deck roofing & standard ceiling
- Basic paint & tile finishes
- Standard electrical & plumbing
For Civil Servants
Build Your House with LPPSA Financing
A guide for civil servants planning to build a house with LPPSA financing. Terms, rates, limits and eligibility are set by LPPSA; confirm directly with LPPSA.
Checklist Before Applying to LPPSA
Common things to prepare or check. The actual conditions are set by LPPSA:
- Your position and service status meet LPPSA's conditions
- Land title in your name, or ownership documents accepted by LPPSA
- House plans and approval from the local authority
- A written quotation or Bill of Quantities from the contractor
- Credit record and repayment ability, which LPPSA will assess
- The land is zoned for residential use
- Confirm whether you still have an active LPPSA financing
Not sure whether you are eligible? Check directly with LPPSA or your department's human resources unit.
General Steps to Plan a Build with LPPSA Financing
Four general steps. The actual order and requirements are set by LPPSA.
- 1
Check Eligibility with LPPSA
Refer to LPPSA for eligibility, financing type and required documents before you sign any contract.
- 2
Prepare Design and Quotation
Ask for a written quotation that states the scope and price, so you can compare it with the amount approved by LPPSA.
- 3
Apply for Financing from LPPSA
The application is submitted to LPPSA following their procedure. Approval and timing are decided by LPPSA.
- 4
Construction and Payment
The payment schedule to the contractor should be stated in the written contract and be consistent with the fund disbursement method set by LPPSA.
Build Package Levels
Three specification levels. Per-square-foot estimates are unverified and are not a quotation.
Home Construction Packages
Choose a build package that fits your budget and needs. All prices are unverified estimates per square foot (psf) and subject to a site visit.
Standard Package
RM250–320 / sq ft
Recommended for
Family homes & semi-detached
- Everything in Essential
- Concrete tile roofing & plaster ceiling
- Porcelain tiles & premium paint finish
- Fully fitted kitchen & bathrooms
- LED lighting & upgraded wiring
- Project management
Premium Package
RM320–350 / sq ft
Recommended for
Luxury bungalows & custom finishes
- Everything in Standard
- Marble/granite finishes & custom cabinetry
- Smart home system & air-conditioning
- Landscape design & pool (optional)
- Premium aluminium doors & windows
- Dedicated project manager
Estimates only — actual prices depend on site survey, specifications and quantities.
We can discuss a written quotation and scope of work for your project
Financing eligibility and approval are decided by LPPSA, not by us
Always confirm terms directly at lppsa.gov.my
LPPSA Financing FAQ
Do I really not pay anything upfront?+
We do not promise 'no deposit'. Whether an initial payment or other fee is needed depends on your LPPSA financing terms and your contract with the contractor. Read your LPPSA offer letter and the written quotation carefully, and ask LPPSA if in doubt.
Who counts as a civil servant for LPPSA?+
The definition and eligible position categories are set by LPPSA. Check at lppsa.gov.my or with LPPSA.
How long does LPPSA approval take?+
The approval time is determined by LPPSA and depends on how complete the application is. Ask LPPSA for the current expected time before planning your construction schedule.
What if the land is jointly owned with my spouse?+
The conditions for joint ownership and signing requirements are set by LPPSA. Ask LPPSA and your lawyer before proceeding.
Can I add my own savings to LPPSA financing?+
You can fund part of the cost from other sources, but whether this is allowed alongside your LPPSA financing must be confirmed with LPPSA. Make sure the written contract clearly states the scope and payment for each part.
What happens to repayments if I retire or leave service?+
This is governed by your financing agreement with LPPSA. Refer to LPPSA for the official explanation.