• BSN MYFIRSTHOME-i
    Helping those with dream to own a home

    Eligibility

    • Malaysian citizen
    • Aged 18 to 65 years old while applying and not exceeding 70 years old at the end of financing tenure
    • Non-fixed income earners, self-employed, gig workers and those with fixed monthly income or salary slips
    • Possess financial ability to service monthly instalment payment
    • Have proof of self-employment
    • Does not have any existing housing financing facility with any financial institution
    • For first house only
    • Minimum income of RM1,500
    • Not declared as a bankrupt

    Shariah Concept

    The Shariah concept used is Tawarruq (Commodity Murabahah) which consists of two sale and purchase contracts. The first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash and spot basis.

    Apply Now
    BSN MYFIRSTHOME-i
    Helping those with dream to own a home

    Eligibility

    • Malaysian citizen
    • Aged 18 to 65 years old while applying and not exceeding 70 years old at the end of financing tenure
    • Non-fixed income earners, self-employed, gig workers and those with fixed monthly income or salary slips
    • Possess financial ability to service monthly instalment payment
    • Have proof of self-employment
    • Does not have any existing housing financing facility with any financial institution
    • For first house only
    • Minimum income of RM1,500
    • Not declared as a bankrupt

    Shariah Concept

    The Shariah concept used is Tawarruq (Commodity Murabahah) which consists of two sale and purchase contracts. The first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash and spot basis.

    Apply Now

BSN MyFirstHome-i is designed to help those who are self-employed or with irregular income to own a home.

FEATURES

  • Financing for property price up to RM300,000.
  • Financing tenure up to 35 years.
  • Margin of financing up to 110%.

PROFIT RATE

SBR + 1.60%

Get Started with our Financing Calculator

Wish to know how much you would be paying every month? Let us help you get started. 

{{lang == 'en' ? 'Kindly enter your financing details' : 'Masukkan butiran pembiayaan anda di sini'}}

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{{lang == 'en' ? 'Disclaimer :' : 'Penafian :'}}
{{lang == 'en' ? ' This calculator serves as an estimate only. It is provided for illustrative purposes and is based on the accuracy of information provided. It does not constitute a quote. BSN shall not be responsible for any inaccuracies or errors resulting from the use of this calculator.' :'Kalkulator ini berfungsi sebagai anggaran sahaja. Ia disediakan untuk tujuan ilustrasi dan adalah berdasarkan ketepatan maklumat yang diberikan. Ia bukan merupakan sebut harga. BSN tidak akan bertanggungjawab terhadap sebarang ketidaktepatan atau kesilapan yang disebabkan oleh penggunaan kalkulator ini.'}}

LATE PAYMENT CHARGES (LPC) 

Late Payment Charges will be charged based on Ta’widh (Compensation).

During financing PeriodLate Payment Charges (LPC) of 1% per annum will be imposed on the overdue monthly instalment payment in the event you fail to pay any monthly instalment within the stipulated period from the first disbursement of the financing until its maturity date.
After the completion of financing periodPrevailing daily overnight Islamic Interbank Money Market (IIMM) rate will be charged for failure to pay the total outstanding balance after maturity or upon judgment obtained, whichever earlier.



NOTES:

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