Residential Property Financing : Skim Rumah Pertamaku (My First Home Scheme)
Skim Rumah Pertamaku (My First Home Scheme)   


  • Margin of financing up to 100%.
  • Combination of fixed and variable rates.
  • Option to finance MRTA / MRTT.
  • Tenure of financing up to 30 years.
  • Applicable for under construction and completed residential properties.



  • Malaysian citizen.
  • First time home buyer not exceeding 35 years of age.
  • Owner occupied.
  • Individual with gross income not exceeding RM3,000/month.
  • Confirmed employee with minimum employment of 6 months with the same employer.
  • Monthly payment amount not exceeding 1/3 of monthly income.
  • Property value of RM100,000 to RM220,000
  • Remaining leasehold tenure of at least 60 years (for leasehold property only).


Documents required:

1. Copy of NRIC.

2. Copy of Sales and Purchase Agreement or Booking Receipt.

3. Copy of Individual Title.

4. Confirmation Letter of Employment (required if current employment is less than 1 year).

5. Income Documents:

Either both of the following documents:

  • Latest income tax return (with payment receipt)
  • Latest 3 months' bank statements that shows monthly salary is credited into the account


Either one of the above plus:

  • Latest 3 months' salary slips with employer's name and evidence that salary is credited into the bank account.


Employer's letter (on letterhead or bearing Company stamp) confirming designation and income details.

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