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Salary Based Loans


Salary Based Loans for Civil Service Employees (salaries coming through ZNA and SSB)

These are available to all Civil service employees.

Qualification Criteria

Loans are salary based. Homelink deducts up to a maximum of 30% of applicant’s net salary. After paying deduction one should remain with a net salary not below 200.

Requirements for Loan Application

  • ZNA and SSB members
  • Loan agreement form. 
  • Copy of I.D
  • Letter of employment
  • Current payslip

Private Companies

  • Acknowledgement of debt form. 
  • Loan agreement form. 
  • Deduction form
  • Copy of I.D
  • Letter of employment
  • 3 months’ payslips
  • 3 months bank statement
  • Proof of residence in the form of a utility bill



Interest rate

9% - 11% pm



Application fees


Arrangement fees


Maximum Loan Amount


Maximum Repayment Period

12 months

  • Interest rates remain at a scale of 9-11% depending on tenure
  • Maximum loan amount is uncapped.
  • Maximum repayment period remains at 12 months.
  • 2% Government tax will still be deducted from the net disbursement amount

Salary Based Loan Calculator                       Download Application Form