• BNM’s Fund for Affordable Homes

Promotional fixed rate of 2.9%p.a.*

The effective interest rate is fixed at 2.9% per annum.

Promotional period: 1 April - 31 December 2019


Type of properties

For completed and under construction residential properties in Malaysia purchased from developer


Higher margin of financing

Up to 100% + 10% (MRTA/Legal Fee/ Valuation Fee/ Stamp Duty)

Longer loan tenure

Up to 40 years, or 70 years of age, whichever is earlier

Stamp Duty Waived

for SPA & Financing Agreement

Monthly Installment Calculator

Choose the duration to find out the corresponding rates per annum.

Loan Amount (RM)

Loan Period (Years)

Interest Rate (%)

Total Amount Payable
RM 0


  • Individuals aged 18 years and above.
  • Malaysian citizens only.
  • First time home buyers only.
  • Household gross income not exceeding RM4,360 per month.
  • Property price of up to RM300,000.

More information on the Fund is available at bnm.my/homefund.


Salaried Applicant:

  • NRIC photocopy
  • Latest 3 months salary slip
  • Latest EPF statement / Latest 3 months bank statements showing salary crediting
  • Sale & Purchase Agreement/ Booking Form from developer
  • Printed certificate number of completion from online financial education portal “Rumahku” by Agensi Kaunseling dan Pengurusan Kredit (AKPK).

Self-Employed Applicant:

  • NRIC photocopy
  • Business registration 
  • Latest 6 months business bank statements
  • Latest Form B with tax payment receipt 
  • Sale & Purchase Agreement / Booking Form from developer 
  • Printed certificate number of completion from online financial education portal “Rumahku” by Agensi Kaunseling dan Pengurusan Kredit (AKPK).

*Subject to terms and conditions. The Bank reserves the right to withdraw and/or cancel the home financing at any time if there is a misrepresentation in any form by you and/or if the Bank discovers any information which may affect the Bank's decision to grant the home financing, and/or if the Bank has reasons to believe that any information supplied or declaration made by you to the Bank in relation to the application is false, untrue or misleading.

Service Tax Implementation 
Taxes on products and services (including but not limited to service tax, indirect taxes or withholding taxes), where applicable, as may be imposed by the Government of Malaysia and any taxes payable in connection with or arising out of facility financing/account will be payable.

  Products / Items Fees and Charges
1 HomeLoan / BizLoan / Variable Home Financing-i  / Business Premises Financing-i / Term Financing-i  / Vacant Land Financing Processing fee: Not applicable
2 HomeFlexi / BizFlexi  / Flexi Home Financing-i / Flexi Business Premises Financing-i 

Set up fee of RM200.00 

Monthly service charge of RM10.00 

Monthly flexi charge / Non rebated profit of RM40.00

3 Flexi Vacant Land Financing

Monthly service charge of RM10.00

Monthly flexi charge of RM40.00

4 HomeFlexi  Smart / BizFlexi Smart/  Vacant Land Flexi Smart / HomeFlexi Smart-i / BizFlexi Smart-i / Residential Vacant Land Flexi Smart-i 

Redraw fee of RM25.00** via OTC/Branch/Contact Centre and RM 10.00** via CIMB Clicks

 **per transaction regardless of the amount withdrawn

5 Secured OD Commitment fee of 1% p.a. on the unutilised amount for OD facility of RM 250,000.00 and above
6 Special PR1MA End Financing (SPEF) Package Processing fee of RM 200.00 
7 Redemption Statement (Home loan / Home financing) RM 50.00 per request
8 Letter of Confirmation for EPF withdrawal RM 20.00 per request
9 Ring Fence Processing Fee for EPF withdrawal RM 50.00 per request
10 Reproduction of statements 

For period up to 1 year

Front page - RM 10.00 

Additional page - RM 2.00 

For period exceeding 1 year

Front page - RM  30.00 

Additional page - RM 2.00 

11 Stamp Duties

As per Stamp Duty Act 1949 (Revised 1989)

i) Letter Offer: RM10.00

ii) Principal Document:  RM5.00 for every RM1,000.00

iii) Security Document: RM10.00

iv) Standing Instruction: RM10.00

Request for issuance of Redemption Statement (House or Home Financing)
Request for issuance of Redemption Statement (House or Home Financing)
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