Benefits & Privileges

High Margin of Financing

High Margin of Financing

Up to 110% financing and a maximum financing amount of up to RM2,000,000
No Lock in Period

No Lock in Period

No additional fees or penalties for early settlement of financing
Daily Profit Calculation

Daily Profit Calculation

Daily profit of financing calculated based o n remaining balance multiplied by annual profit rate divided by 365 days
Shariah-Compliant

Shariah-Compliant

Through Tawarruq, you pay us the deferred sale price of a commodity and get cash proceeds when the commodity is sold to help finance your home

RHB Mortgage Calculator

Quickly run the numbers and see what is comfortable for you.

RM
RM
RM
%
years
%

Monthly Payment

RM2,340

Total Payments

RM808,280

Total Profit Payments

RM308,280

Please note that the results from this calculator is for illustration purposes and subject to fully disbursed amount only. Results do not represent approval of the financing which is subject to RHB’s credit evaluation.

Financing Details

Maximum Financing Amount
Financing Margin
Financing Tenure
Redraw Fees to Lock In Period
Minimum: RM30,000
and
Maximum RM2,000,000

(Inclusive MRTT/MLTT)
Minimum 91%
100%+10%

(MLTT/MRTT)

Minimum:
5 years

Maximum:
35 years or age reaches 70 years old

whichever is earlier

NIL
Eligibility

Malaysian only

Individuals aged
18 years and above

Single and
Joint account

Supporting Documents Required Along
With Your Home Financing Application

Salaried Applicant

Salaried Applicant

  • NRIC photocopy
  • Latest 3 months salary slip*
  • Latest 3 months salary crediting statement*
  • Latest EPF statement
  • Latest BE Form/Tax payment receipt/EA Form
  • Sales & Purchase Agreement / Booking receipt
Self-Employed Applicant

Self-Employed Applicant

  • NRIC photocopy
  • Sole Proprietor & Partnership (Form A or B, and D)
  • Private Limited – Form 24 & 49
  • Latest Form B + Tax payment receipt
  • Latest 6 months current account statement
*Note: The Bank may require up to 6 month of income statements if the income comprises of variable components.

Home Takaful

Shariah compliance meets protection – choose what works for you!

Mortgage Reducing Term Takaful
(MRTT)

A single contribution term takaful plan which provides coverage that reduces over time. It pays out to your family should anything unexpected happen to you.

 

Benefits & privileges:

  • One-time payment to cover the entire duration of your financing term tenure
  • Protection against death or Total & Permanent Disability (TPD)
  • Reducing sum covered will be payable to reduce your family’s financing burden

 

Shariah Concepts Available:

Tabarru’:
You donate part of your contribution to the Participant Special Account (PSA).

Wakalah:
You authorise us to manage the Participant Account (PA) and PSA for a wakalah fee.

Ju’alah:
You allow using a portion of PA investment profit as a performance incentive.

Qard:
If the PSA is in deficit, we will lend an amount of money to the PSA without any charges.

If you’d like to know about these concepts in greater detail, please refer to the product disclosure sheet.

 

Coverage details

Sum Covered

 Coverage Term

Minimum:
RM10,000


Maximum:
Following the actual amount of financing (subject to underwriting assessment)

Minimum:
5 years


Maximum:
45 years or age reaches 75 years old whichever is earlier

 

Eligibility

Individuals aged 18 - 65 years

 

Detailed Product Information

Product Disclosure Sheet - English
Product Disclosure Sheet - BM

Mortgage Level Term Takaful
(MLTT)

Keep your loved ones safe by ensuring they are sheltered should an unforeseen event take place. With Mortgage Level Term Takaful, we will take care of your outstanding mortgage payments.

 

Benefits & privileges:

  • One-time payment to cover the entire duration of your financing term tenure

  • Protection against death or Total & Permanent Disability (TPD)

  • Level sum covered across all certificate years will be payable to reduce your family’s financing burden

 

Shariah Concepts Available:

Tabarru’:
You donate part of your contribution to the Participant Special Account (PSA).

Wakalah:
You authorise us to manage the Participant Account (PA) and PSA for a wakalah fee.

Ju’alah:
You allow using a portion of PA investment profit as a performance incentive.

Qard:
We will lend an amount of money to the PSA without charges if the PSA is in deficit.

If you’d like to know about these concepts in greater detail, please refer to the product disclosure sheet.

 

Coverage details

Sum Covered

 Coverage Term

Minimum:
RM10,000


Maximum:
Following the actual amount of financing (subject to underwriting assessment)

Minimum:
1 year


Maximum:
30 years or age reaches 70 years old whichever is earlier

 

Eligibility

Individuals aged 18 - 60 years

 

Detailed Product Information

Product Disclosure Sheet - English
Product Disclosure Sheet - BM

NOTE:
Syarikat Takaful Malaysia Keluarga Berhad is a member of PIDM. The benefit(s) payable under eligible certificate is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to limits. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (TIPS) Brochure or contact Syarikat Takaful Malaysia Keluarga Berhad or PIDM (visit www.pidm.gov.my).

Talk to us

Please share your details and we’ll get back to you. Or visit us at your nearest RHB Branch.