• BSN MYHOME-i (COMMERCIAL PROPERTY)
    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 end of tenure)
    • Individual Applicants only

    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 MYHOME-i (COMMERCIAL PROPERTY)
    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 end of tenure)
    • Individual Applicants only

    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 MyHome-i (Commercial Property) 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: Up to 80% + 5% (MRTT) from purchase price.
  • Completed property located classified as MF7¹ and above only.
  • 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 AmountTenureCompleted Property
RM 250,000 and aboveYear 14.00%
ThereafterSBR + 2.35%

DOCUMENTS REQUIRED 

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

  • Copy of NRIC (applicant's / joint applicant's)
  • Salary Slip - original copy and latest three (3) months copies
  • Latest 3 months’ Bank Statement
  • Latest 6 months’ Bank Statement (other income)
  • Latest EPF Statement
  • Employer Confirmation Letter
  • J Form / Latest Income Tax Declaration
  • Copy of Sale and Purchase Agreement and / or property documents
  • Copy of Evaluation Report (for property purchase) from the evaluation panel registered with the Bank
  • Organisation Bank Statement for the period of six (6) months
  • Organisation Financial Statement for last two (2) years approved by authorised Audit Body
  • B/BE Form & LHDN Receipt
  • Business Registration Certificate (SSM)
  • Memorandum & Articles of Association (M&A) / Form 24, Form 44 & Form 49
  • Board of Director Resolution

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 period
After the completion of financing period

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:

  • ¹MF7: Marketability Factor.
  • For financing amount of RM350,000 and above with 20 years of financing tenure, the indicative profit rate is SBR + 2.35%*.
  • Additional 0.15% from the above profit rate for financing without Takaful.
  • Islamic Interbank Money Market (IIMM) is subject to change from time to time.
  • View all banking rates.
  • View all fees & charges.
  • View Product Disclosure Sheet.
  • Terms & Conditions apply. 

Visit our branch

Visit our nearest branch or contact us for more information
OR download our Application Form HERE.