• Before You Apply:
  Minimum Entry age of 18 years old and up to 70 years old upon financing maturity for all individuals, joint applicants, residents and non-residents.
  Financing tenure :
  Minimum: 5 years
  Maximum: 35 years or age 70 whichever is earlier
  Satisfactory credit assessment status and financial status.
  The property:
• Is developed/to be developed by developers / contractors with proven track record.
• Is preferably located in a primary location
• Is bought from reputable vendors
• Is NOT built on controversial land
• Development does not contravene local land laws/ Department of Environment regulations.


• Financing Amount:
  Minimum RM30,000 (inclusive MRTT/MLTT).



• Margin:
  Up to 90% + max 5% MRTT/MLTT inclusive of FEC of not more than 2%. (Mortgage Reducing Term Takaful/ Mortgage Level Term Takaful)

  *NOTE: Finance Entry Cost (FEC) which includes Legal Fees and Valuation Fees



• How To Apply:
  1) Download and complete the application form.
  2) Visit our nearest branches.

• Product Disclosure Sheet

• Terms and Conditions

• Application Form

• Before You Apply:
  Minimum Entry age of 18 years old and up to 70 years old upon financing maturity for all individuals, joint applicants, residents and non-residents.
  Financing tenure :
  Minimum: 5 years
  Maximum: 35 years or age 70 whichever is earlier
  Satisfactory credit assessment status and financial status.
  The property:
• Is developed/to be developed by developers / contractors with proven track record.
• Is preferably located in a primary location
• Is bought from reputable vendors
• Is NOT built on controversial land
• Development does not contravene local land laws/ Department of Environment regulations.


• Financing Amount:
  Minimum RM100,000 (inclusive MRTT/MLTT).



• Margin:
  Up to 90% + max 5% MRTT/MLTT inclusive of FEC of not more than 2%. (Mortgage Reducing Term Takaful/ Mortgage Level Term Takaful)

  *NOTE: Finance Entry Cost (FEC) which includes Legal Fees and Valuation Fees



• How To Apply:
  1) Download and complete the application form.
  2) Visit our nearest branches.

• Product Disclosure Sheet

• Terms and Conditions

• Application Form

• How To Apply:
  1) Download and complete the application form.
  2) Visit our nearest branches.

Under this Fund, eligible home buyers could obtain financing at a concessionary rate.

The criteria and features of Bank Negara Malaysia’s Fund for Affordable Homes are:

• Available to Malaysian citizens with maximum monthly household income of RM4,360;
• The property price is up to RM300,000; and
• The financing rate is up to 3.50% per annum

For more information of the FUND, please visit BNM Housing Watch website at bnm.my/homefund

• Product Disclosure Sheet - Standard Payment
• Product Disclosure Sheet - Step Up Payment

• Terms and Conditions

• Application Form

• How To Apply:
  1) Download and complete the application form.
  2) Visit our nearest branches.

Under this Commodity Murabahah My First Home Financing-i, eligible first home buyer(s) could obtain financing up to 100% financing.

This guarantee scheme enables applicant(s) with monthly gross household income of up to RM5,000 (to purchase homes of up to RM300,000) and RM10,000 (to purchase homes of up to RM500,000).

• Product Disclosure Sheet - Standard Package
• Product Disclosure Sheet - General Package

• Terms and Conditions

• Application Form

• Before You Apply:
  Minimum Entry age of 18 years old and up to 70 years old upon financing maturity for all individuals, joint applicants, residents and non-residents.
  Financing tenure :
  Minimum: 5 years
  Maximum: 35 years or age 70 whichever is earlier
  Satisfactory credit assessment status and financial status.
  The property:
• Is developed/to be developed by developers / contractors with proven track record.
• Is preferably located in a primary location
• Is bought from reputable vendors
• Is NOT built on controversial land
• Development does not contravene local land laws/ Department of Environment regulations.


• Financing Amount:
  Minimum RM30,000 (inclusive MRTT/MLTT).



• Margin:
  Up to 85% + max 5% inclusive of FEC of not more than 2%. (Mortgage Reducing Term Takaful/ Mortgage Level Term Takaful)

  *NOTE: Finance Entry Cost (FEC) which includes Legal Fees and Valuation Fees



• How To Apply:
  1) Download and complete the application form.
  2) Visit our nearest branches.

• Product Disclosure Sheet

• Terms and Conditions

• Application Form

• Before You Apply:
  Minimum Entry age of 18 years old and up to 70 years old upon financing maturity for all individuals, joint applicants, residents and non-residents.
  Financing tenure :
  Minimum: 5 years
  Maximum: 35 years or age 70 whichever is earlier
  Satisfactory credit assessment status and financial status.
  The property:
• Is developed/to be developed by developers / contractors with proven track record.
• Is preferably located in a primary location
• Is bought from reputable vendors
• Is NOT built on controversial land
• Development does not contravene local land laws/ Department of Environment regulations.


• Financing Amount:
  Minimum RM100,000 (inclusive MRTT/MLTT).



• Margin:
  Up to 85% + max 5% inclusive of FEC of not more than 2%. (Mortgage Reducing Term Takaful/ Mortgage Level Term Takaful)

  *NOTE: Finance Entry Cost (FEC) which includes Legal Fees and Valuation Fees



• How To Apply:
  1) Download and complete the application form.
  2) Visit our nearest branches.

• Product Disclosure Sheet

• Terms and Conditions

• Application Form

• Before You Apply:
  Age between 18 and 60 years old for single or joint individuals. Satisfactory credit assessment status and financial status.
  The property:
• is developed by developers /contractors with proven track record
• is preferably located in a primary location
• is bought from reputable vendors
• is NOT built on controversial land
• Development does not contravene local land laws / Department of Environment regulations


• Financing Amount:
  Minimum RM100,000


• Margin:
  Up to 90% + 5% MRTT (Mortgage Reducing Term Takaful)


• Redraw Facility:
  Redraw from excess normal payment and partial payment made towards the payment schedule.
  Tenure
  - Remain unchanged (per existing tenure)
  Financing Amount
  - Minimum RM100, 000 (including MRTT)
  Margin of Advance
  - Up to 92% + 3% MRTT


• How To Apply:
  1) Download and complete the application form.
  2) Visit our nearest branches.

* (Inclusive of service tax and/or any applicable taxes imposed from time to time)

• Product Disclosure Sheet - Equity Home Financing-i
• Product Disclosure Sheet - Equity Home Financing-i with Redraw Mechanism
• Product Disclosure Sheet - Commodity Murabahah Top-up for Home/Property Financing-i

• Terms and Conditions

• Home Property Financing Application Form
• Redraw Form

• How To Apply:
  1) Download and complete the application form.
  2) Visit our nearest branches.

* (Inclusive of service tax and/or any applicable taxes imposed from time to time)

Under this Equity My First Home Financing-i , eligible first home buyer(s) could obtain financing up to 99.99% financing.

This guarantee scheme enables applicant(s) with monthly gross household income of up to RM5,000 (to purchase homes of up to RM300,000) and RM10,000 (to purchase homes of up to RM500,000).

• Product Disclosure Sheet - Standard Package
• Product Disclosure Sheet - General Package

• Terms and Conditions

• Application Form

• How It Works:
• Partnership with Bank to purchase / refinance properties
• Diminishing partnership through purchase of Bank's share over time
• Utilize the subject property by renting on Bank's share
• Before You Apply:
  Age between 18 and 60 years old for single or joint individuals. Satisfactory credit assessment status and financial status.
  The property:
• is developed by developers / contractors with proven track record
• is preferably located in a primary location
• is bought from reputable vendors
• is NOT built on controversial land
• Development does not contravene local land laws / Department of Environment regulations


• Financing Amount:
  Minimum RM100,000.



• Margin:
  Up to 95% (includes Financed Entry Cost)
  + 5% MRTT (Mortgage Reducing Term Takaful).

  *NOTE: Finance Entry Cost (FEC) which includes Legal Fees and Valuation Fees



• How To Apply:
  Visit our nearest branches.

* (Inclusive of service tax and/or any applicable taxes imposed from time to time)

• Product Disclosure Sheet - Equity Property Financing-i
• Product Disclosure Sheet - Equity Property Financing-i with Redraw Mechanism
• Product Disclosure Sheet - Commodity Murabahah Top-up for Home/Property Financing-i

• Terms and Conditions

• Home Property Financing Application Form
• Redraw Form