FEATURE HIGHLIGHTS
Top key features and benefits
For Properties
Under Construction Only
No Early
Settlement Charges
Shariah Concept
Ijarah Mausufah Fi Zimmah
Competitive
Financing Rates
- Buying a house is a big financial commitment. Whether you are first time buyers, upgrading or investing, we have the ideal package to suit your needs.
- The facility is suitable for properties under construction under the “Shariah principle” of “Ijarah Mausufah Fi Zimmah” (Forward Lease).
- Packages available: Zero Entry Cost (ZEC), Non Zero Entry Cost (NZEC) and Finance Entry Cost (FEC).
- Competitive margin of financing for residential properties: Up to 90% + 5% Mortgage Reducing Term Takaful financing (MRTT).
- 20% reduction on stamp duty for new financing.
- Stamp duty fees: As per the Stamp Act 1949 (Revised 1989).
- Processing fees for residential property: RM 200.00 (Incorporated as part of the first lease rental).
- Valuation fees: As per valuer’s scale of fees.Legal fees: As per lawyer’s scale of fees.
- Please click here for details, refer to Financing tab.
- Individual / Joint.
- Sole Proprietorship, Partnership, Limited Company.
- Tenure:
- Residential property: Up to 35 years or age 70 (whichever is earlier).
- Commercial property: Up to 15 years or age 60 (whichever is earlier).
- Salaried Individual
- National Registration Identity Card (NRIC).
- Latest Payslip.
- Personal Bank Statement where salary is credited.
- Employee Provident Fund (EPF) Statement.
- EA Form.
- Other Documents on case to case basis.
- Self Employed
- Certificate of Business Registration.
- B or BE Form.
- Personal Bank Statement.
- Business Bank Statement.
- Other documents on case to case basis.
- Individual with Variable Income
- Commission payment / statement.
- Annual commission payment / statement.
- Personal Bank Statement.
- BE Form.
- Other documents on case to case basis.
- Buying a house is a big financial commitment. Whether you are first time buyers, upgrading or investing, we have the ideal package to suit your needs.
- The facility is suitable for properties under construction under the “Shariah principle” of “Ijarah Mausufah Fi Zimmah” (Forward Lease).
- Packages available: Zero Entry Cost (ZEC), Non Zero Entry Cost (NZEC) and Finance Entry Cost (FEC).
- Competitive margin of financing for residential properties: Up to 90% + 5% Mortgage Reducing Term Takaful financing (MRTT).
- 20% reduction on stamp duty for new financing.
- Stamp duty fees: As per the Stamp Act 1949 (Revised 1989).
- Processing fees for residential property: RM 200.00 (Incorporated as part of the first lease rental).
- Valuation fees: As per valuer’s scale of fees.Legal fees: As per lawyer’s scale of fees.
- Please click here for details, refer to Financing tab.
- Individual / Joint.
- Sole Proprietorship, Partnership, Limited Company.
- Tenure:
- Residential property: Up to 35 years or age 70 (whichever is earlier).
- Commercial property: Up to 15 years or age 60 (whichever is earlier).
- Salaried Individual
- National Registration Identity Card (NRIC).
- Latest Payslip.
- Personal Bank Statement where salary is credited.
- Employee Provident Fund (EPF) Statement.
- EA Form.
- Other Documents on case to case basis.
- Self Employed
- Certificate of Business Registration.
- B or BE Form.
- Personal Bank Statement.
- Business Bank Statement.
- Other documents on case to case basis.
- Individual with Variable Income
- Commission payment / statement.
- Annual commission payment / statement.
- Personal Bank Statement.
- BE Form.
- Other documents on case to case basis.
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