Bank Muamalat Malaysia Berhad » SMART Mortgage SJKP
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Self-employed can now own your dream home

TermDescription
Package NameSMART Mortgage-SJKP (Skim Jaminan Kredit Perumahan)
Eligibility
  • All individuals & joint applicants
  • For fixed income earners, non-fixed income earners and self-employed
  • First time house buyers for own occupation
  • Benefits
  • Financing Moving Costs and Related Expenses (MCRE) i.e. MRTT/MLTT/LTHT, legal fees, valuation fee & stamp duty
  • Fully-Shariah compliant product
  • Peace of mind with MRTT coverage
  • Will writing (wasiat) services
  • Margin of FinancingUp to of purchase price or market value of property (inclusive of MCRE, up to a maximum financing amount of RM500,000 only)
    TenureFinancing tenure up to age of 70 years or maximum duration of 35 years, whichever is earlier
    Documents requiredSelf-employed or non-fixed income earner
  • Photocopy of I/C of applicant(s)
  • Latest 6-month Bank or deposit account statement (if any)
  • Business License; or Fisherman's registration card; or taxi permit; (whichever is applicable)
  • Declaration letter on self-employment or income stream duly confirmed by JKKK or Category A government servants, Penghulu/Ketua Kampung
  • Site visit to the business premise (to verify the employment and/or business undertaking and declared income)
  • Copy S&P Agreement/ booking sheet/ down payment receipt
  • Any additional documents if required by the Bank


  • Fixed income earner
  • Photocopy of I/C of applicant(s)
  • Latest 3-month salary slips or cash vouchers (whichever is applicable)
  • Latest 3-month bank or deposit account statement
  • Latest Income Tax Return/ EPF Statement
  • Employer confirmation letter
  • Declaration letter on self-employment or income stream duly confirmed by JKKK or Category A government servants, Penghulu/Ketua Kampung
  • Copy S&P Agreement/ booking sheet/ down payment receipt
  • Any additional documents if required by the Bank

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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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