A township by Perdana Land
Perdana Heights
Completed homes. Keys ready.
Every home listed here is finished and certified. Nothing on this page is sold off the plan, and nobody buying one waits three years for a door key.
The catalogue
Homes at Perdana Heights
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Financing
SJKP quick check
SJKP is the government-owned housing credit guarantee. It reads gross income rather than the discounted figure a lender underwrites on, which is why a file a lender declined can still clear it. This check runs in your browser on the same engine the Keystone assessment uses. Nothing you type here is sent anywhere.
SJKP screening
SJKP-MADANI
Clears the scheme
- Gross DSR
- 33.7%
- Scheme ceiling 65%
- Indicative instalment
- RM 1,521.13
- 4.3% over 35 years
On these figures the file clears the scheme. A guarantee is not an approval: a participating lender still underwrites the file, and packaging that submission is the work Keystone does.
Indicative only, on demo data. Not a financing offer.
Financing declined?
Your second chance
A declined application is far more often a packaging failure than an affordability one, and the file is rarely read a second time.
Keystone reads it again, re-underwrites the income a payslip cannot prove, and puts the file back in front of a lender behind the government guarantee.
Where the door stays shut, a rent-to-own plan on a completed home builds the deposit and the payment record that opens it.
How it works
Five steps from a declined file to a set of keys
- 01
Invite
The gallery invites a declined buyer into Keystone instead of closing the file.
- 02
Consent
The buyer consents once, and the bank statements are read for the income no payslip proves.
- 03
Re-underwrite
The engine rebuilds the file on gross income and screens it against the guarantee.
- 04
Ladder
Where a lender is still out of reach, a rent-to-own plan accumulates credit month by month.
- 05
Keys
The plan graduates into a full-price sale, and the buyer takes the keys.