Home Financing-i Zero Entry Cost

Tawarruq

Legal fees, valuation costs and stamp duty to be borne by Bank up to 2.5% from approved financing amount..

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:

Financing up to 95% including MRTT

Package	Financing with MRTT	Financing without MRTT
Zero Entry Cost (ZEC)	Profit Rate	Profit Rate
As low as SBR + 1.65%	As low as SBR + 1.85%

Package

Financing with MRTT

Financing without MRTT

Zero Entry Cost (ZEC)

Profit Rate

As low as SBR + 1.65%

As low as SBR + 1.85%

Standard Base Rate (SBR): 3.00%

MRTT = Mortgage Reducing Term Takaful

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

ITEMS	CHARGE
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 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