• BSN MYHOME-i (SKIM RUMAH PERTAMAKU)
    Own your first dream home with BSN MyHome Skim Rumah Pertamaku

    Eligibility

    • Malaysian
    • Aged 21 to 60 years upon application and not exceeding 70 years old at the end of the financing period
    • Possess evidence of valid income
    • Single (individual) or joint (husband/wife) application
    • For purchase of first residential property and own occupancy
    • No record of impaired financing for the past 12 months
    • 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 MYHOME-i (SKIM RUMAH PERTAMAKU)
    Own your first dream home with BSN MyHome Skim Rumah Pertamaku

    Eligibility

    • Malaysian
    • Aged 21 to 60 years upon application and not exceeding 70 years old at the end of the financing period
    • Possess evidence of valid income
    • Single (individual) or joint (husband/wife) application
    • For purchase of first residential property and own occupancy
    • No record of impaired financing for the past 12 months
    • 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 MyHome-i Skim Rumah Pertamaku is a house financing scheme to assist the target group to own their first home. The scheme offers financing up to 100% for property priced up to RM500,000.

FINANCING FEATURES

  • Purchase of first residential property.
  • For own occupancy.
  • Purchase of completed and under construction properties.
  • Property in the primary market and secondary market.
  • Property price up to RM500,000.
  • Easy to apply - available at all BSN Main Branches nationwide.
  • Convenient payment channels: 
    1. BSN Branches nationwide
    2. Standing Instructions / Savings Account
    3. Interbank GIRO (IBG)

FINANCING TENURE

  • Minimum: 5 years.
  • Maximum: 35 years. Subject to a maximum age of 70 years old at the end of financing tenure.

PROFIT RATE

From SBR + 1.40% per annum to SBR + 1.65% per annum

MARGIN OF FINANCING

Up to 105% whereby:Up to 110% whereby:
  1. 100% of the property price up to RM500,000; and
  2. 5% inclusive of MRTA
  1. 100% of the property price up to RM300,000; and
  2. 10% inclusive of MRTA

DOCUMENTS REQUIRED

  • One (1) copy of NRIC.
  • Financing Application Form.
  • Proof of Income.
  • Copy of Booking Order / Sales and Purchase Agreement (SPA) / [Strata / Master] title.
  • Statutory Declaration on purchase of first home for self-occupancy.
  • Other relevant supporting documents deemed required by BSN from time to time.

Proof of Income

Fixed Income / Salaried workers:Self Employed (where applicable):
Pay slip - Original copy and latest three (3) months copiesLatest six (6) month Bank Statement of monthly income
Latest of confirmation on employment from employerB/BE Form and copy of the LHDN receipt payment
Latest copy of EA / EPF statementBusiness License / Business Registration
Form 24,44 and 49

Confirmation letter on income from:

  1. Pengerusi Jawatankuasa Kemajuan dan Keselamatan Kampung (JKKK); or
  2. Pengerusi Jawatankuasa Kemajuan dan Keselamatan Kampung Persekutuan (JKKP); or
  3. Group A Government Officer (Pengurusan dan Professional) or
  4. Wakil Rakyat; or
  5. Penghulu / Ketua kampung;

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

NOTES:

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