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Home/Property Financing-iFinancing your dream home gets easier with Commodity Murabahah (CM) Home/Property Financing-i.
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Commodity Murabahah Term Financing-i (CMTF-i) for Home
- Flexible terms to meet your needs
- Extensive coverage across malaysia
- Ceiling rate protection
Commodity Murabahah Term Financing-i (CMTF-i) for Home (Full Flexi)
- Flexible terms to meet your needs
- Extensive coverage across malaysia
- Ceiling rate protection
- Redraw facility
Commodity Murabahah My First Home Financing-i
- Flexible terms to meet your needs
- Extensive coverage across malaysia
- Ceiling rate protection
- Financing tenure up to 35 years or age 70 whichever is earlier
- Standard package: up to 100% + 10%* (MRTT/MLTT) financing
- General package: up to 100% financing
Commodity Murabahah Term Financing-i (CMTF-i) for Property
- Flexible terms to meet your needs
- Extensive coverage across malaysia
- Ceiling rate protection
Commodity Murabahah Term Financing-i (CMTF-i) for Property (Full Flexi)
- Flexible terms to meet your needs
- Extensive coverage across malaysia
- Ceiling rate protection
- Redraw facility
Equity Home Financing-i
- Flexible terms to meet your needs
- Extensive coverage across malaysia
- Ceiling rate protection
Equity My First Home Financing-i
- Flexible terms to meet your needs
- Extensive coverage across malaysia
- Ceiling rate protection
- Financing tenure up to 35 years or age 70 whichever is earlier
- Standard package: up to 99.99% + 10%* (MRTT/MLTT) financing
- General package: up to 99.99% financing
Equity Property Financing-i
- Flexible terms to meet your needs
- Extensive coverage across malaysia
- Ceiling rate protection
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Commodity Murabahah Term Financing-i (CMTF-i) for Home
Document Required
-
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.
- 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
Details
- 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
Other Service Charges
| 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)
Terms and Conditions
Download Forms
Commodity Murabahah Term Financing-i (CMTF-i) for Home (Full Flexi)
Document Required
-
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.
- 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
Details
- 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.
Other Service Charges
| 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)
Product Disclosure Sheet
Terms and Conditions
Download Forms
Commodity Murabahah My First Home Financing-i
Document Required
-
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.
- Self-Employed Applicant
- NRIC photocopy
- Latest EPF statement as generated from EPF i-Akaun
- Sole Proprietor & Partnership – Borang A & D
- Private Limited – Form 24 & 49
- Latest Form B + Tax payment receipt
- Latest 6 months current account statement
- 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
Details
| 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 | |||
- How To Apply:
1) Download and complete the application form.
2) Visit our nearest branches.
Other Service Charges
| 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)
About Commodity Murabahah My First Home Financing-i
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
Terms and Conditions
Download Forms
Commodity Murabahah Term Financing-i (CMTF-i) for Property
Document Required
-
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.
- Self-Employed Applicant
- NRIC photocopy
- Sole Proprietor & Partnership (Borang A & D)
- Private Limited – Form 24 & 49
- Latest Form B + Tax payment receipt
- Latest 6 months current account statement
Details
- 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
Other Service Charges
| 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)
Terms and Conditions
Download Forms
Commodity Murabahah Term Financing-i (CMTF-i) for Property (Full Flexi)
Document Required
-
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.
- Self-Employed Applicant
- NRIC photocopy
- Sole Proprietor & Partnership (Borang A & D)
- Private Limited – Form 24 & 49
- Latest Form B + Tax payment receipt
- Latest 6 months current account statement
Details
- 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
Other Service Charges
| 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)
Terms and Conditions
Download Forms
Equity Home Financing-i
Document Required
-
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.
- Self-Employed Applicant
- NRIC photocopy
- Sole Proprietor & Partnership (Borang A & D)
- Private Limited – Form 24 & 49
- Latest Form B + Tax payment receipt
- Latest 6 months current account statement - Sales & Purchase Agreement / Booking receipt
Details
- 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.
Other Service Charges
| 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)
Product Disclosure Sheet
Terms and Conditions
Download Forms
Equity My First Home Financing-i
Document Required
-
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.
- Self-Employed Applicant
- NRIC photocopy
- Latest EPF statement as generated from EPF i-Akaun
- Sole Proprietor & Partnership – Borang A & D
- Private Limited – Form 24 & 49
- Latest Form B + Tax payment receipt
- Latest 6 months current account statement
- 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
Details
| 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 | |||
- How To Apply:
1) Download and complete the application form.
2) Visit our nearest branches.
Other Service Charges
| 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)
About Equity My First Home Financing-i
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
Terms and Conditions
Download Forms
Equity Property Financing-i
Document Required
-
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.
- Self-Employed Applicant
- NRIC photocopy
- Sole Proprietor & Partnership (Borang A & D)
- Private Limited – Form 24 & 49
- Latest Form B + Tax payment receipt
- Latest 6 months current account statement
- Sales & Purchase Agreement / Booking receipt
Details
- 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.
Other Service Charges
| 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)
Product Disclosure Sheet
Terms and Conditions
Download Forms