Bank Muamalat Malaysia Berhad » SMART Mortgage Solution
Chat with us on

Consolidate and pay off your financial commitments

Package NameSMART Mortgage Solution
EligibilityAll individuals, joint applicants
  • Improve cashflow management via debts consolidation and settlement of credit card, personal and other sundry financing/loans, etc.
  • Capitalize on the property's capital appreciate value
  • Cost savings via lower monthly installment with low, competitive and affordable financing rates
  • Extra cash for renovation, investment, education, medical, holiday, Umrah and business working capital, etc.
  • 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.
  • Financing Moving Costs and Related Expenses (MCRE) i.e MRTT/LTHT, legal fees, valuation fees & stamp duty.
  • Fully-Shariah compliant product
  • Peace of mind with MRTT coverage
  • Margin 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 3-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".

    Apply Now

    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.

    Locate Our Branches

    Find a Bank Muamalat branch
    nearby you

    Locate Our Branch