Home Financing-i My 1st Home Scheme


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

    Margin of Financing

    Financing up to 110% including MRTT / Legal Fees / Valuation Fees

    Financing Limit


    Profit Rate


    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

    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)
    • Potongan Gaji Majikan
    • Pindahan Gaji (Potongan Akaun Simpanan-i) / Salary Transfer (Savings Account-i Deduction)
    • Pembayaran Melalui Elektronik

    Required Documents

    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

    Product Disclosure Sheet

    Illustration Payment Schedule

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