There are several methods that can be done if there is an excess credit balance:

Method 1 – Through online via Portal e-Settled/Jaccess as following link:-

1. Log in at this link: https://lms.lppsa.gov.my/JACCESS/portal
2. e-Settled Portal - https://services.lppsa.gov.my/e-settled
Method 2 - Through hand delivery at the LPPSA Service Counter

Required documents:
I. Copy of the identity card of the borrower / beneficiary
II. Bank account information of the borrower / beneficiary
III. Inheritance distribution document (for death cases only)
IV. Signed and completed application form

Method 3 - By post to the LPPSA address as below:

Lembaga Pembiayaan Perumahan Sektor Awam
No. 9, Kompleks Kementerian Kewangan
Persiaran Perdana, Presint 2,
Pusat Pentadbiran Kerajaan Persekutuan,
62592 Putrajaya

The credit balance refund process takes no later than 14 working days from the date of receipt of the complete claim document. Borrowers will be notified via email after payment is made.

Excess repayment of LPPSA housing financing that is not claimed by the customer or beneficiary within one (1) year from the date of settlement of the financing is subject to the Unclaimed Money Act 1965 and will be submitted to the Registrar of Unclaimed Money, Accountant General Department of Malaysia.

Borrowers / beneficiary need to make a claim for overpayment at Unclaimed Money, National Accountant Department. This matter is in line with the provisions under the Unclaimed Money Act 1965 (Amendment 2002) and claims can only be implemented by the Unclaimed Money Registrar's Office after it has been gazetted and is expected to start opening from June 1 of each year.

According to the Unclaimed Money Act 1965 (Amendment 2002), the definition of Unclaimed Money is money that is legally payable to its owner but has not been paid within a period of not less than one (1) year.

If no claim is made by the borrower within a year from the date the settlement letter is issued, LPPSA will send a "NOTICE OF EXCESS HOUSING LOAN BALANCE INFORMATION" to the borrower. The notice will be generated annually on every January 1st for loan accounts that meet the conditions to be sent to Wang Tak Claimed, Accountant General Department of Malaysia.

However, the letter will only be sent according to the borrower's existing information found in the LPPSA system. Accordingly, borrowers/beneficiaries are advised to always update the latest information as follows with LPPSA:

1) Mailing address
2) Phone number
3) Email address

LPPSA will only process credit balance claim forms received by LPPSA until 22 February only.

If no claim is received within the stipulated period, the excess money will be handed over to the Registrar of Unclaimed Money (WTD), Accountant General Department of Malaysia based on the Unclaimed Money Act 1965.

Borrowers / beneficiary can make inquiries using the LPPSA's Inquiry/Complaint Portal at https://etiket.lppsa.gov.my/.

If the amount has not been handed over to the Unclaimed Money (WTD), the borrower / beneficiary has the right to reclaim the credit balance from the LPPSA, however if the amount has been handed over to the WTD, the borrower / beneficiary needs to make a claim again from the WTD.

If the amount has been handed over to the Unclaimed Money (WTD), Malaysian Accountant's Department, the borrower / beneficiary must refer to the Finance Department, LPPSA for review purposes.