Home Financing-i (Shophouse / Commercial)


Home Financing-i (Shophouse / Commercial)

Bank Rakyat offers financing for shophouse / commercial properties.




  • Under Construction
  • Completed / Auction / Subsale


  • Higher margin of finance


  • Malaysian Citizen
  • Age not less than 18 years old on the date of application and not more than 70 years old at the end of financing tenure
  • Not bankrupt
  • No bad records with any other Banks or financial institutions
  • Joint Application is allowed and must be related / direct family members:
    1. Husband / Wife
    2. Parents
    3. Children
    4. Siblings

    Margin of Financing

    Financing up to 90% including MRTT / Legal Fees / Valuation Fees

    Profit Rate

    Financing with MRTT

    Shophouse / Commercial Lot


    Profit Rate
    As low as SBR + 2.25%

    Standard Base Rate (SBR): 3.00%

    MRTT = Mortgage Reducing Term Takaful

    Financing Tenure

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

    Fees & Charges

    Wakalah FeeRM28.30
    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)

    Payment Methods

    • Biro Perkhidmatan Angkasa (BPA)
    • Salary Deduction
    • Savings Account-i Deduction
    • Electronic Payment

    Required Documents


    Fixed Income

    • Copy of MyKad; or
    • Authority Card (Police / Military)
    • Latest 3 consecutive months salary slips
    • Latest 3 months of bank statement
    • Latest EPF statement / EA form
    • Confirmation Letter of Employment

    Non Fixed Income

    (Source from Business)



    • Copy of MyKad; or
    • Authority Card (Police / Military)
    • Latest 6 months bank statement (Individual / Business)
    • Business registration / Form 24 or 49
    • B Form with Payment Receipt?

    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

    Product Disclosure Sheet

    Illustration Payment Schedule

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