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
  • Firts time house buyers for own occupation
  • Benefits
  • Financing Moving Costs and Related Expenses (MCRE) i.e. MRTT/LTHT, legal fees, valuation fee & stamp duty
  • Fully-Shariah compliant product
  • Peace of mind with MRTT coverage
  • Will writing (wasiat) services
  • 100% stamp duty exemption for redemption (on conversion from conventional to Islamic financing) as per Federal Government's gazette P.A(A)376/2010, Stamp Duty (Remission) Order 2010, Stamp Act 1949.
  • Margin of FinancingUp to of purchase price or market value of property (inclusive of MRTT, up to a maximum financing amount of RM300,000 only)
    TenureFinancing tenure up to age of 65 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 Fisgerman'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)
  • Original 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
  • Employr confirmation letter
  • Declaration letter on self-employment or income stream duly confirmed by JKKK or Category A government servants, Penghulu/Ketua Kampung
  • Any additional documents if required by the Bank

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    PDS SMART Mortgage SJKP

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    Home Financing Application Form - English

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    Borang Permohonan Pembiayaan - BM

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