ANNOUNCEMENT

**Improved Housing Loan/Home Financing-i* Terms and Conditions on Fair Treatment**

Dear Valued Customers,

Please be informed that we have improved the Terms and Conditions for Housing Loan/Home Financing-i* (“Terms and Conditions”) following to the fair treatment requirement which shall take effect from 29 August 2019.

A copy of the improved Terms and Conditions is available at the following link:

1) Conventional Housing Loan/Commercial Property Financing – Terms & Conditions - Click here

2) Equity Home/Property Financing-i - Terms & Conditions – Click here

3) Commodity Murabahah Term Financing-i for Home/Property with Redraw - Terms & Conditions – Click here

4) Commodity Murabahah Term Financing-i for Home/Property WITHOUT Redraw- Terms & Conditions – Click here

Please refer to following page for Frequently Asked Questions (FAQs).

Thank you.

*Inclusive of Commercial Property Financing/-i for individual customers

Frequently Asked Questions (FAQs)


	Question	Answer
1	I received a notification from the Bank regarding the improvement to the terms and conditions of my Housing Loan/Home Financing-i* (“Terms and Conditions”). What is this about?	The Bank is applying the principle of fair treatment to financial consumers in the Housing Loan/Home Financing-i* contracts by enhancing the reasonableness and transparency of the Terms and Conditions. Customer will get a better understanding on the improved Terms and Conditions that emphasizes on plain language, disclosure transparency and adequate notice. *Inclusive of Commercial Property Financing/-i for individual customers
2	Is the improvement in the Terms and Conditions applicable to conventional and Islamic products?	Yes. It is applicable to all Conventional Housing Loan and Islamic Home Financing products.
3	When will the improved Terms and Conditions take effect?	The improved Terms and Conditions for Housing Loan/Home Financing-i will take effect from 29 August 2019. A copy of the improved product Terms and Conditions is now available.
4	Do I need to sign a new or supplementary document related to the improved Terms and Conditions?	Not required. All existing Terms and Conditions remained unchanged and the improved Terms and Conditions are based on the principles of fair treatment to the customers.
5	Will this impact my existing Housing Loan/Home Financing-i contract?	There will be no changes on the existing Terms and Conditions of your Housing Loan/Home Financing-i contract.
6	Do I need to pay any additional fees and charges or stamping fees arising from improvement of Terms and Conditions?	No, there are no additional fees and charges.
7	If I have further queries in future, who do I go to?	For further assistance, you may reach our Customer Care Service Officer via email customer.service@rhbgroup.com or call 03- 92068118 (Peninsular Malaysia) or 082-276118 (Sabah and Sarawak)