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Features
Loan Margin
Full financing
Loan Tenure
Up to 35 years or the age of 70, whichever comes first.
Property Value
Maximum: RM500,000
Retention or Lock-In
Purchase price up to RM300,000
Early settlement penalty of 2% on outstanding balance if redeemed within 5 years retention period from full disbursement date.
Purchase price more than RM300,000 to RM500,000
Early settlement penalty of 5% on original loan sum if redeemed within 3 years;
penalty of 3% on original loan sum if redeemed after 3 years but within 5 years.
Interest Rate
Standardised Base Rate (SBR) + 1.55% per annum for whole tenure on monthly rest
Eligibility
Malaysian citizen
First time home buyers, and must be owner occupied
Income
Property purchase price up to RM300,000
Single or joint borrowers: Income not exceeding RM5,000 per month
Property purchase price above RM300,000 to RM500,000
Single Borrower: Income not exceeding RM5,000 per month
Joint Borrowers: Combined income limit up to RM10,000 per month (subject to individual borrower income not exceeding RM5,000 per month)
Important Information
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