• Malaysian
• Employed / Self employed
• Above 18 years old at the time of application and not more than 65 years old upon the expiry date of the financing period
• Not bankrupt or have an AKPK record
• Have a good track record in (CTOS & CCRIS) with the Bank or other financial institutions
• 'Joint' application is allowed with the number of applicants not exceeding two (2) people. Such applicants must have close family ties

• Biro Pemotongan Angkasa (BPA)
• Salary Deduction by Employer (SD)
• Standing Instruction (SI)
• Post Dated Cheque (PDC)
• Cash

• Total Financing Period = Maximum 20 years (240 months)
• Subject to the age of the applicant which is not more than 65 years at the end of the financing period.

• Mortgage Reducing Term Takaful (MRTT) is mandatory
• Takaful contribution based on age and amount of customer financing

Minimum RM 300.00 or 0.50% of the financing amount

There is no limit subject to salary / income deduction eligibility and Debt Ratio Rate (DSR) allowed

All costs are borne by the applicant or finance together with financing

• Complete Financing Application Form
• Copy of Applicant's Mykad
• For Fixed Income Applicants
  1. Copy of Latest 3 Months Salary Slip and Employer's Confirmation Letter
  2. Last 3 months Savings Account / Bank Statement (salary credited)
  3. Copy of Form EA / Form BE / latest EPF Statement

• For Non Fixed Income Applicants (Self employed/ professionals)
  1. Business Registration/Form 9, 24, 49, B&D/M&A
  2. Certified copy of Bank Statement / Individual Savings Account & Business Current Account Transactions for the latest 6 months
  3. Individual Current Account Statement for the latest 6 months
  4. Latest Form B and Tax Receipt
  5. Audited Financial Statements (Last 2 Years)
  6. License / Membership From a Recognized Professional Body in Malaysia that has been confirmed
• Property Documents
  1. Copy of Sale and Purchase Agreement
  2. Copy of Offer Letter from the developer
  3. Copy grant