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Flexible Terms To Meet Your Needs

TermDescription
Package NameSMART Mortgage FLEXI
EligibilityAll individuals & joint applicants
Benefits
  • Pay additional amount on top of your monthly payment and reduce your principal balance immediately
  • Save on your profit charges
  • Redraw any amount from your excess payments at your convenience and get the cash immediately
  • Shorten your financing tenure and own your home faster
  • Transaction on Redraw can be made online easily
  • Peace of mind with MRTT coverage
  • Fully-Shariah compliant product
  • Financing Moving Costs and Related Expenses (MCRE) i.e. MRTT/LTHT, legal fees, valuation fee & stamp duty
  • 100% stamp duty waiver for facility conversion from conventional loan to islamic facility
    • Margin of FinancingUp to 90%+10% MCRE
    TenureFinancing tenure up to age of 70 years or maximum duration of 35 years, whichever is earlier
    Saving Illustration

    Please note that the results are for illustration and indicative purposes only. Terms and conditions apply.
    Documents required
  • Photocopy of I/C of applicant(s)
  • Latest 3-month salary slips
  • Latest J/EA Form
  • Confirmation letter from employer
  • Original S&P Agreement/ booking sheet/ down payment receipt
  • Business Registration and other related forms for self-employed (whichever is applicable)
  • Latest 6-month Bank Statement
  • Any additional documents if required by the Bank

    • Let us help you calculate!
    Muamalat Calculator
    Financing Amount (RM)
    Profit Rate
    Installment period (years)
    Monthly Payment
    Interested, please click below button "APPLY NOW".

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    Download

    Product Disclosure Sheet Property Financing-i (Tawarruq)

    Download here

    Application Form Consumer Financing - BI

    Download here

    Borang Permohonan Pembiayaan Konsumer - BM

    Download here

    *Terms and conditions apply.

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