Unlock the Value of Your Home

Discover your alternative financing solution today through Skim Saraan Bercagar Bertempoh (SSBT)

Benefits of SSBT

SSBT converts your non-primary home into fixed monthly payouts with no monthly repayments. Settlement of the loan only occurs at the end of the term. An alternative to supplement your retirement funds with financial certainty.

Keep Your Home

You retain full ownership of your property throughout the entire loan tenure. Your home remains yours.

Partial Lump Sum Disbursement

Access a higher initial payout upfront at your choice

Fixed Monthly Payout

Enjoy consistent monthly payouts without the burden of loan repayments.

No Monthly Repayments

Settle the loan only at the end of your chosen term—5 or 10 years.

Your Home Secures the Loan

If your property sells for less than the outstanding amount at the end of the term, the shortfall is absorbed—not by you, but by us.

Are You Eligible for SSBT?

Take a moment for a quick eligibility check with no obligations involved. You'll receive your results in just a few minutes!

SSBT Calculator

Fill in the details for an estimate of your monthly payouts. All calculations are indicative and subject to approval.

Begin Your SSBT Journey

Learn the simple steps to start your Skim Saraan Bercagar Bertempoh (SSBT) with Cagamas.

Cagamas Berhad: Your Trusted Partner in Retirement Financing

Cagamas Berhad (Cagamas), the National Mortgage Corporation of Malaysia, was established in 1986 by Bank Negara Malaysia to promote the broader spread of home ownership and growth of the secondary mortgage market in Malaysia.