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My1 Full Flexi Home Loan

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

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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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