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
  • Individual or joint applications
  • Purchase for own occupation

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


Financing with MRTT

My 1st Home Scheme


Profit Rate

As low as

·  SBR+1.35%



Standard Base Rate (SBR): 3.00%

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 (BPA)
  • Potongan Gaji Majikan
  • Pindahan Gaji (Potongan Akaun Simpanan-i) / Salary Transfer (Savings Account-i Deduction)
  • Pembayaran Melalui Elektronik
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
Please be informed that we have enhanced our Home Financing-i Terms & Conditions to give a better and clear understanding to our customers. The revised Home Financing-i Terms & Conditions will take effect on 1st September 2019. For more information please click on the FAQ