• BSN COMMERCIAL PROPERTY-i
    Opening up the doors for your perfect business location

    Eligibility

    • Malaysian citizen aged 21 years old and above (subject to age limit of not more than 65 years old at the end of financing tenure)
    • Private sector companies/ Self-employed which already in operation more than 3 years
    • Individual/(Individual/joint) and non-individual (Sole proprietorship/ Enterprise) Applicant

    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 COMMERCIAL PROPERTY-i
    Opening up the doors for your perfect business location

    Eligibility

    • Malaysian citizen aged 21 years old and above (subject to age limit of not more than 65 years old at the end of financing tenure)
    • Private sector companies/ Self-employed which already in operation more than 3 years
    • Individual/(Individual/joint) and non-individual (Sole proprietorship/ Enterprise) Applicant

    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 Commercial Property-i provides you with the right financing plan to assist you in securing commercial properties.

FINANCING FEATURES 

  • Financing Tenure: Up to 20 years or 65 years old upon completion (whichever comes first).
  • Margin of Finance shall be as follows:
    • For Salaried Applicant: Up to 80% + 5% (MRTT) from purchase price.
  • Minimum income:
    • Fixed Income Earner: RM5,000
    • Self Employed : RM10,000
  • Applicable at all BSN Main Branches nationwide.
  • Convenient payment channels via:
    • Over-the-counter at all BSN Branches nationwide.
    • Standing Instructions / Savings Account.
    • Interbank GIRO (IBG).
    • Internet Banking.

PROFIT RATE

Financing AmountCompleted /
Under Construction
RM100,000 and aboveSBR + 2.00%

DOCUMENTS REQUIRED 

*Guarantor: If required, mandatory documents are similar to applicant.

  • Photocopy of MyKad
  • Salary slip - original copy and latest 3 months salary slip
  • Latest Bank Account Statement where the salary is credited
  • Employment Confirmation Letter; and
  • Latest EPF Statement or BE Form or any other income documents acceptable to BSN
  • Others:
    • Copy of Sale & Purchase Agreement; and
    • Property Pictures (wherever applicable)
  • Photocopy of MyKad
  • Business Registration (SSM) / Certified True Copy Form 9, Form 24 and Form 49
  • Latest B Form with the Tax Receipt; and
  • Latest six (6) months Bank Account Statement
  • Others:
    • Copy of Sale & Purchase Agreement; and
    • Property Pictures (wherever applicable)

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.

FEES & CHARGES

  • EARLY SETTLEMENT
    You may settle your financing at any time by submitting a written notice to the Bank.
  • STAMP DUTY
    Principal Documents - Will be charged on ad valorem basis.
    Other Documents - RM10.00

NOTES:

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OR download our Application Form HERE.

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