Home Financing-i (Zero Entry Cost)

  • Under construction
  • Completed / Auction / Subsale
  • Refinancing
  • Legal fees, valuation costs and stamp duty to be borne by Bank up to 2.5% from approved financing amount.
  • Malaysian Citizen
  • Not bankrupt
  • No bad records with any other Banks or financial institutions
  • Age not less than 18 years old on the date of application and not more than 70 years old at the end of financing tenure
  • Joint Application is allowed and must be related / direct family members :
    • Husband / Wife
    • Parents
    • Children
    • Siblings
   
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
Non-Fixed Income (Source from Business) • Copy of MyKad; or
• Authority Card (Police/Military)
• Latest 6 months of bank statement (Individual / Business)
• Business registration / Form 24 or 49
• B Form with Payment Receipt
Property Documents • Sale & Purchase Agreement
• Copy of Title
• Offer to Purchase from Developer
• Booking Receipt
• Memorandum of Sale: Auction
• Valuation Report: Completed / Auction / Subsale / Refinancing / Constuction of House
 
Package Financing with MRTT Financing without MRTT
Zero Entry Cost (ZEC)  Financing Amount   Profit Rate   Financing Amount   Profit Rate 
Open BR + 1.33% Open BR + 1.43%
 
  • 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 95% including MRTT
  • TENURE Maximum financing period 35 years or aged 70 years; whichever is earlier
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