Features:

• 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.

Eligibility:

• 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

                    OR                

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.

                    OR

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