Personal Banking

Financing-i / Home Financing-i My 1st Home Scheme
My 1st Home scheme allows young adults to obtain up to 110% financing and enable them to own their first home.
  • Under Construction
  • Completed / Auction / Subsale
  • Margin of financing up to 110%
  • Malaysian Citizen
  • First time home buyer
  • Aged of applicant do not exceed 40 years old
  • Individual or joint applications
  • Only spouse are allowed for joint application
  • Purchase for own occupation

Financing up to 110% inclusive MRTT/Legal Fee/Valuation Cost

Total financing up to RM2 million

Financing with MRTT

My 1st Home Scheme


Financing Amount

Profit Rate


  • Minimum : NIL
  • Maximum: RM2.0 Million


BR + 1.18% until

BR +1.48

Base Rate (BR): 3.85%

MRTT = Mortgage Reducing Term Takaful

Maximum financing period 35 years or aged 70 years; whichever is earlier.

Wakalah Fee RM28.30
Custodian of security documents after full settlement. RM10.00 per set per month (inclusive 0% GST)
Issuance of statement for EPF withdrawal. RM15.00 per document (inclusive 0% GST)

  • Biro Perkhidmatan Angkasa
  • Salary Deduction (Saving Account-i Deduction)
  • Electronic Payment
Category Document
Fixed Income
  • Copy of MyKad; or
  • Authority Card (Police / Military)
  • Latest 3 consecutive months salary slips
  • Latest 3 months of bank statement
  • BLatest EPF statement / EA form
  • Confirmation Letter of Employment
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 / Construction of House
The published rates, fees and charges are effective from 1st April 2019 following the implementation of 6% SST from 1st September 2018. Terms & conditions apply.

For any enquiries, please visit the nearest branch or call our Contact Centre tele-Rakyat at 1-300-80-5454.

*Terms and conditions apply.