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    My1 Full Flexi Home Loan
    • Lower/reduce interest charges and pay off your loan faster when you make excess payments.
    • Flexibility to make excess payment on top of your regular monthly loan repayment
    • Flexibility to withdraw excess payments
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    Skim Rumah Pertamaku
    • In line with government aspirations to enable young adults to own their 1st home, Skim Rumah Pertamaku (SRP) allows first-time homebuyers to obtain up to 100% + 10%* (MRTA/CLTA only) financing.
    • Loan Tenure up to 35 years or age of 70 whichever is earlier
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    BNM’s Fund for Affordable Homes
    • Up to 100% + 10% financing
    • Loan tenure up to 40 years or age of 70 whichever is earlier
    • Fixed interest rate at 3.50% p.a.
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    My1 Full Flexi Home Loan
    Details
    • Who can apply:
      All individuals, joint applicants, residents and non-residents

    • Minimum loan amount:
      RM30,000 (inclusive of MRTA).

    • Loan Margin:
      Up to 90% + 5% MRTA (inclusive of FEC* of not more than 2%)

    • Minimum entry age:
      18 years old

    • Loan Tenure:
      Minimum 5 years
      Maximum : 35 years or age 70 whichever is earlier

    • Redraw Fees:
      Nil

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

    Documents 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
    Product Disclosure Sheet
    Terms and Conditions
    Download Forms
    Skim Rumah Pertamaku
    Details
    Details Standard Package* General Package Step Up Package
    Who can apply
    • Malaysian citizen
    • First-time home-buyer
    • Salary earner or self-employed with a maximum gross household income of RM5,000 per month
    • Private sector or public sector
    • Malaysia citizens (single or joint applicants)
    • First-time home-buyer
    • Salary earner or self-employed with a maximum gross household income of RM10,000 per month (maximum RM5,000 per applicant per month)
    • Private sector or public sector
    • Malaysian citizen
    • First-time home-buyer
    • Salary earner or self-employed with a maximum gross household income of RM5,000 per month
    • Private sector or public sector
    Property Type
    • Completed and Under Construction RESIDENTIAL properties located in Malaysia from primary or secondary market
    • Owner occupied (buyers are required to reside in the property)
    • Completed and Under Construction RESIDENTIAL properties located in Malaysia from primary or secondary market
    • Owner occupied (buyers are required to reside in the property)
    • Completed and Under Construction RESIDENTIAL properties located in Malaysia from primary or secondary market
    • Owner occupied (buyers are required to reside in the property)
    Purchase Price of OMV whichever is lower
    • Minimum RM30,000
    • Maximum RM300,000
    • Minimum RM30,000
    • Maximum RM500,000
    • Minimum RM30,000
    • Maximum RM300,000
    Margin of financing (MOF)
    • Up to 100% + 10% (MRTA/CLTA only)
    • Up to 100%
    • Up to 90% + 5% (MRTA/CLTA only)
    Loan tenure
    • Minimum 5 years
    • Maximum 35 years or age 70 whichever is earlier
    • Minimum 5 years
    • Maximum 35 years or age 70 whichever is earlier
    • Minimum 10 years
    • Maximum 35 years or age 70 whichever is earlier
    Documents 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) 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) the point of financing application submission of for all applicants. – Only applicable for Standard Package

    Product Disclosure Sheet
    Terms and Conditions
    Download Forms
    BNM’s Fund for Affordable Homes
    Details
    Who can apply
    • Malaysia citizens (single or joint applicants)
    • Salary earner or self-employed with a maximum monthly gross household income of RM4,360
    Property Type Primary residential properties - completed or under construction property direct purchase from developers
    Purchase Price or OMV whichever is lower
    • Minimum RM30,000
    • Maximum RM300,000
    Loan Margin
    • Up to 100% + 10% (inclusive of legal fees and MRTA/CLTA)
    Interest Rate Whole Tenure: Fixed at 3.50% p.a.
    Loan Tenure
    • Maximum 40 years or age 70 whichever is earlier
    Repayment Structure
    • Step Up Repayment OR
    • Standard Repayment
    Documents 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) the point of loan/financing application submission of for all applicants.

      *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) the point of loan/financing application submission of for all applicants.
    About BNM’s Fund for Affordable Homes

    Under this Fund, eligible home buyers could obtain financing (Conventional or Islamic) at a concessionary rate.

    The criteria and features of BNM’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 3.5% per annum

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

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