Home Financing-i (My 1st Home Scheme)

  • Under Construction
  • Completed / Auction / Subsale
  • Margin of financing up to 105%
  • Malaysian Citizen
  • Age of applicant not exceed 35 years
  • Individual or joint applications
  • Only spouse are allowed for joint application
  • First time home buyer
  • Purchase for own occupation

Category

Documents

Fixed Income • Copy of MyKad; or
• Authority Card (Police/Military)
• Latest 3 consecutive months salary slips
• Latest 3 months of bank statement
• Latest EPF statement/EA form
• Confirmation Letter of Employment
Property Documents • Sales and Purchase Agreement
• Copy of Title
• Offer to purchase from developer
• Booking receipt
• Memorandum of Sale: Auction
• Valuation Report: Completed / Auction / Subsale / Refinancing / Construction House
Package Financing with MRTT
My 1st Home Scheme  Financing Amount   Profit Rate 
RM 100,000 - RM 500,000 BR + 1.18% until BR +1.48%
 
  • Base Rate (BR): 3.85% MRTT = Mortgage Reducing Term Takaful
  • Biro Perkhidmatan Angkasa
  • Salary Deduction
  • Savings Account-i Deduction (Salary Transfer)
  • Standing Instruction
  • Cash
  • MARGIN OF FINANCING Financing up to 105% inclusive MRTT
  • TENURE Maximum financing period 35 years or aged 70 years; whichever is earlier
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