Salaried Applicant
- NRIC photocopy
- Latest 3 months salary slip*
- Latest 3 months salary crediting statement*
- Latest EPF statement
- Latest BE Form + Tax payment receipt
- Sales & Purchase Agreement / Booking receipt
*NOTE: The Bank may require up to 6 months of income statement if the income comprise of variable components.
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
Commodity Murabahah Term Financing-i (CMTF-i) for Home/Property | Service Charges |
---|---|
Stamp duty | As per the Stamp Act 1949 (Revised 1989). |
Disbursement Fees | Include fees for registration of charge, land search and bankruptcy search. |
Legal Fees on financing documentations | You are required to pay all legal fees and incidental expenses in connection with the Banking Facility (including but not limited to the preparation, stamping and registration of any security documents and the lodgement and withdrawal of caveats). Provided that the legal firm meets the Bank’s minimum criteria, you may appoint your preferred legal firm to attend to the preparation of the documentation. However, to avoid any delay in the documentation due to unfamiliarity with the Bank’s documentation or process, the appointment of the Bank’s panel lawyers is highly encouraged. |
Valuation Fees | For completed properties only |
Redemption statement (per account, per request) | RM37.20 per transaction */** |
Letter of confirmation for EPF withdrawal | RM20.00 per transaction */** |
Security document retrieval fee | Photocopy of documents: RM 20.00 for up to 10 pages */** RM 37.20 for more than 10 pages */** To view original document: No fees applicable *There will be further courier charge in the event you request for the documents to be delivered to your address. |
Additional financing statement request | RM 10.00 per request * |
Restructuring/ rescheduling | No charges |
Processing fee | No processing fee |
Brokerage Fee | Waived |
Monthly Maintenance Fee (Only applicable for CMTF-i for Home/Property (Full Flexi)) |
RM10.00 (applicable upon full disbursement) * |
* Subject to upon Customer’s request
** (inclusive service tax and/or any applicable taxes imposed from time to time)
Salaried Applicant
- NRIC photocopy
- Latest 3 months salary slip*
- Latest 3 months salary crediting statement*
- Latest EPF statement
- Latest BE Form + Tax payment receipt
- Sales & Purchase Agreement / Booking receipt
*NOTE: The Bank may require up to 6 months of income statement if the income comprise of variable components.
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
Legal Fees on financing documentations | You are required to pay all legal fees and incidental expenses in connection with the Banking Facility (including but not limited to the preparation, stamping and registration of any security documents and the lodgement and withdrawal of caveats). Provided that the legal firm meets the Bank’s minimum criteria, you may appoint your preferred legal firm to attend to the preparation of the documentation. However, to avoid any delay in the documentation due to unfamiliarity with the Bank’s documentation or process, the appointment of the Bank’s panel lawyers is highly encouraged. |
Valuation Fees | For completed properties only |
Redemption statement (per account, per request) | RM37.20 per transaction */** |
Letter of confirmation for EPF withdrawal | RM20.00 per transaction */** |
Security document retrieval fee | Photocopy of documents: RM 20.00 for up to 10 pages */** RM 37.20 for more than 10 pages */** To view original document: No fees applicable *There will be further courier charge in the event you request for the documents to be delivered to your address. |
Additional financing statement request | RM 10.00 per request * |
Restructuring/ rescheduling | No charges |
Processing fee | No processing fee |
Brokerage Fee | Waived |
Monthly Maintenance Fee (Only applicable for CMTF-i for Home/Property (Full Flexi)) |
RM10.00 (applicable upon full disbursement) * |
* Subject to upon Customer’s request
** (inclusive service tax and/or any applicable taxes imposed from time to time)
Salaried Applicant
- NRIC photocopy
- Latest 3 months salary slip*
- Latest 3 months salary crediting statement*
- Latest EPF statement as generated from EPF i-Akaun
- Latest BE Form + Tax payment receipt
- Sales & Purchase Agreement / Booking receipt
- Certificate completion of AKPK online financial literacy course from portal “Rumahku” by Agensi Kaunseling dan Pengurusan Kredit (AKPK) [English, Malay] the point of financing application submission of for all applicants. – Only applicable for Standard Package
*NOTE: The Bank may require up to 6 months of income statement if the income comprise of variable components.
Step Up Package | Standard Package* | General Package | |
---|---|---|---|
Who can apply | Malaysia citizens (single or joint applicants) | ||
First-time home-buyer | |||
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Private sector or public sector | |||
Property Type |
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|
Purchase Price or OMV whichever is lower | Minimum RM30,000 | ||
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|
|
|
Margin of financing (MOF) |
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|
|
Financing tenure | Minimum 5 years | ||
Maximum 35 years or age 70 whichever is earlier |
Commodity Murabahah Term Financing-i (CMTF-i) for Home/Property | Service Charges |
---|---|
Stamp duty | As per the Stamp Act 1949 (Revised 1989). |
Disbursement Fees | Include fees for registration of charge, land search and bankruptcy search. |
Legal Fees on financing documentations | You are required to pay all legal fees and incidental expenses in connection with the Banking Facility (including but not limited to the preparation, stamping and registration of any security documents and the lodgement and withdrawal of caveats). Provided that the legal firm meets the Bank’s minimum criteria, you may appoint your preferred legal firm to attend to the preparation of the documentation. However, to avoid any delay in the documentation due to unfamiliarity with the Bank’s documentation or process, the appointment of the Bank’s panel lawyers is highly encouraged. |
Valuation Fees | For completed properties only |
Redemption statement (per account, per request) | RM37.20 per transaction */** |
Letter of confirmation for EPF withdrawal | RM20.00 per transaction */** |
Security document retrieval fee | Photocopy of documents: RM 20.00 for up to 10 pages */** RM 37.20 for more than 10 pages */** To view original document: No fees applicable *There will be further courier charge in the event you request for the documents to be delivered to your address. |
Additional financing statement request | RM 10.00 per request * |
Restructuring/ rescheduling | No charges |
Processing fee | No processing fee |
Brokerage Fee | Waived |
Monthly Maintenance Fee (Only applicable for CMTF-i for Home/Property (Full Flexi)) |
RM10.00 (applicable upon full disbursement) * |
* Subject to upon Customer’s request
** (inclusive service tax and/or any applicable taxes imposed from time to time)
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).
Salaried Applicant
- NRIC photocopy
- Latest 3 months salary slip*
- Latest 3 months salary crediting statement*
- Latest EPF statement
- Latest BE Form + Tax payment receipt
- Sales & Purchase Agreement / Booking receipt
*NOTE: The Bank may require up to 6 months of income statement if the income comprise of variable components.
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
Commodity Murabahah Term Financing-i (CMTF-i) for Home/Property | Service Charges |
---|---|
Stamp duty | As per the Stamp Act 1949 (Revised 1989). |
Disbursement Fees | Include fees for registration of charge, land search and bankruptcy search. |
Legal Fees on financing documentations | You are required to pay all legal fees and incidental expenses in connection with the Banking Facility (including but not limited to the preparation, stamping and registration of any security documents and the lodgement and withdrawal of caveats). Provided that the legal firm meets the Bank’s minimum criteria, you may appoint your preferred legal firm to attend to the preparation of the documentation. However, to avoid any delay in the documentation due to unfamiliarity with the Bank’s documentation or process, the appointment of the Bank’s panel lawyers is highly encouraged. |
Valuation Fees | For completed properties only |
Redemption statement (per account, per request) | RM37.20 per transaction */** |
Letter of confirmation for EPF withdrawal | RM20.00 per transaction */** |
Security document retrieval fee | Photocopy of documents: RM 20.00 for up to 10 pages */** RM 37.20 for more than 10 pages */** To view original document: No fees applicable *There will be further courier charge in the event you request for the documents to be delivered to your address. |
Additional financing statement request | RM 10.00 per request * |
Restructuring/ rescheduling | No charges |
Processing fee | No processing fee |
Brokerage Fee | Waived |
Monthly Maintenance Fee (Only applicable for CMTF-i for Home/Property (Full Flexi)) |
RM10.00 (applicable upon full disbursement) * |
* Subject to upon Customer’s request
** (inclusive service tax and/or any applicable taxes imposed from time to time)
Salaried Applicant
- NRIC photocopy
- Latest 3 months salary slip*
- Latest 3 months salary crediting statement*
- Latest EPF statement
- Latest BE Form + Tax payment receipt
- Sales & Purchase Agreement / Booking receipt
*NOTE: The Bank may require up to 6 months of income statement if the income comprise of variable components.
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
Commodity Murabahah Term Financing-i (CMTF-i) for Home/Property | Service Charges |
---|---|
Stamp duty | As per the Stamp Act 1949 (Revised 1989). |
Disbursement Fees | Include fees for registration of charge, land search and bankruptcy search. |
Legal Fees on financing documentations | You are required to pay all legal fees and incidental expenses in connection with the Banking Facility (including but not limited to the preparation, stamping and registration of any security documents and the lodgement and withdrawal of caveats). Provided that the legal firm meets the Bank’s minimum criteria, you may appoint your preferred legal firm to attend to the preparation of the documentation. However, to avoid any delay in the documentation due to unfamiliarity with the Bank’s documentation or process, the appointment of the Bank’s panel lawyers is highly encouraged. |
Valuation Fees | For completed properties only |
Redemption statement (per account, per request) | RM37.20 per transaction */** |
Letter of confirmation for EPF withdrawal | RM20.00 per transaction */** |
Security document retrieval fee | Photocopy of documents: RM 20.00 for up to 10 pages */** RM 37.20 for more than 10 pages */** To view original document: No fees applicable *There will be further courier charge in the event you request for the documents to be delivered to your address. |
Additional financing statement request | RM 10.00 per request * |
Restructuring/ rescheduling | No charges |
Processing fee | No processing fee |
Brokerage Fee | Waived |
Monthly Maintenance Fee (Only applicable for CMTF-i for Home/Property (Full Flexi)) |
RM10.00 (applicable upon full disbursement) * |
* Subject to upon Customer’s request
** (inclusive service tax and/or any applicable taxes imposed from time to time)
Salaried Applicant
- NRIC photocopy
- Latest 3 months salary slip*
- Latest 3 months salary crediting statement*
- Latest EPF statement
- Latest BE Form + Tax payment receipt
- Sales & Purchase Agreement / Booking receipt
*NOTE: The Bank may require up to 6 months of income statement if the income comprise of variable components.
Equity Home Financing-i | Service Charges |
---|---|
Processing fee for approved application | No charges |
Redemption statement | RM50.00 * |
Letter of confirmation for EPF withdrawal | RM20.00 (with/without documents) * |
Security document retrieval fee | RM20.00 for up to 10 pages * RM50.00 for more than 10 pages * |
Additional financing statement | RM5.00 per page * |
Restructuring/ Rescheduling | No charges |
Monthly maintenance fee | No charges |
Stamp duty | As per the Stamp Act 1949 (Revised 1989) |
Disbursement Fee | Include fees for registration of charge, land search and bankruptcy search. |
Legal Fees pertaining to financing documentations | Customer is required to pay all legal fees and incidental expenses in connection with the facility (including but not limited to the preparation, stamping and registration of any security documents and the lodgment and withdrawal of caveats). Provided that the legal firm meets the Bank's minimum criteria, the customer may appoint the customer's preferred legal firm to attend to the preparation of the documentation. However, to avoid any delay in the documentation due to unfamiliarity with the Bank's documentation or process, the appointment of the Bank's panel lawyers is highly encouraged. |
Valuation Fees | For completed properties only |
* (Inclusive of service tax and/or any applicable taxes imposed from time to time)
Salaried Applicant
- NRIC photocopy
- Latest 3 months salary slip*
- Latest 3 months salary crediting statement*
- Latest EPF statement as generated from EPF i-Akaun
- Latest BE Form + Tax payment receipt
- Sales & Purchase Agreement / Booking receipt
- Certificate completion of AKPK online financial literacy course from portal “Rumahku” by Agensi Kaunseling dan Pengurusan Kredit (AKPK) [English, Malay] the point of financing application submission of for all applicants. – Only applicable for Standard Package
*NOTE: The Bank may require up to 6 months of income statement if the income comprise of variable components.
Step Up Package | Standard Package* | General Package | |
---|---|---|---|
Who can apply | Malaysia citizens (single or joint applicants) | ||
First-time home-buyer | |||
|
|
|
|
Private sector or public sector | |||
Property Type |
|
||
Purchase Price or OMV whichever is lower | Minimum RM30,000 | ||
|
|
|
|
Margin of financing (MOF) |
|
|
|
Financing tenure | Minimum 5 years | ||
Maximum 35 years or age 70 whichever is earlier |
Equity Property Financing-i | Service Charges |
---|---|
Processing fee for approved application | No charges |
Redemption statement | RM50.00 * |
Letter of confirmation for EPF withdrawal | RM20.00 (with/without documents) * |
Security document retrieval fee | RM20.00 for up to 10 pages * RM50.00 for more than 10 pages * |
Additional financing statement | RM5.00 per page * |
Restructuring/ Rescheduling | No charges |
Monthly maintenance fee | No charges |
Stamp duty | As per the Stamp Act 1949 (Revised 1989) |
Disbursement Fee | Include fees for registration of charge, land search and bankruptcy search. |
Legal Fees pertaining to financing documentations | Customer is required to pay all legal fees and incidental expenses in connection with the facility (including but not limited to the preparation, stamping and registration of any security documents and the lodgment and withdrawal of caveats). Provided that the legal firm meets the Bank's minimum criteria, the customer may appoint the customer's preferred legal firm to attend to the preparation of the documentation. However, to avoid any delay in the documentation due to unfamiliarity with the Bank's documentation or process, the appointment of the Bank's panel lawyers is highly encouraged. |
Valuation Fees | For completed properties only |
* (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).
Salaried Applicant
- NRIC photocopy
- Latest 3 months salary slip*
- Latest 3 months salary crediting statement*
- Latest EPF statement
- Latest BE Form + Tax payment receipt
- Sales & Purchase Agreement / Booking receipt
*NOTE: The Bank may require up to 6 months of income statement if the income comprise of variable components.
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
Equity Property Financing-i | Service Charges |
---|---|
Processing fee for approved application | No charges |
Redemption statement | RM50.00 * |
Letter of confirmation for EPF withdrawal | RM20.00 (with/without documents) * |
Security document retrieval fee | RM20.00 for up to 10 pages * RM50.00 for more than 10 pages * |
Additional financing statement | RM5.00 per page * |
Restructuring/ Rescheduling | No charges |
Monthly maintenance fee | No charges |
Stamp duty | As per the Stamp Act 1949 (Revised 1989) |
Disbursement Fee | Include fees for registration of charge, land search and bankruptcy search. |
Legal Fees pertaining to financing documentations | Customer is required to pay all legal fees and incidental expenses in connection with the facility (including but not limited to the preparation, stamping and registration of any security documents and the lodgment and withdrawal of caveats). Provided that the legal firm meets the Bank's minimum criteria, the customer may appoint the customer's preferred legal firm to attend to the preparation of the documentation. However, to avoid any delay in the documentation due to unfamiliarity with the Bank's documentation or process, the appointment of the Bank's panel lawyers is highly encouraged. |
Valuation Fees | For completed properties only |
* (Inclusive of service tax and/or any applicable taxes imposed from time to time)
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