Hmmm...I've no idea about this matter because I m foreigner here. Buyt if not mistaken, bank institutions are offering a lot programme regarding home loans/financing. Even though u dont have EPF, they still can help u. One of programme offer by Maybank is MaxiHome-i.

http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/LOA-Loans

Hope it can help

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Added on March 6, 2010, 2:14 pmAnyway,its too bad coz u still need to pay TAX for that....

This post has been edited by reshila: Mar 6 2010, 02:14 PM

I wont be that much. The tax rate is not fixed depends on your income. In brother case:

The first RM 5000 is taxable for RM 25
The next RM 1000 x 7% = RM 70

So total tax per month that ur bro need to pay is RM 95. I m not sure whether they calculate for monthly basis or yearly basis. But in calculating it, there are some expenditure and rebate which can be deducted from total salary to get chargeable income.

Basically, they will calculate for u. No worries. Thats just rough calculation.

http://fortunesense.blogspot.com/2009/01/m...x-rate-for.html