Consolidate and pay off your financial commitments

Package NameSMART Mortgage Solution
EligibilityAll individuals, joint applicants
  • Improve cashflow mnagement via debts consolidation and settlement of credit card, personal and other sundry financing/loans, etc.
  • Capitalise 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%+5% MCRE
    TenureFinancing tenure up to age of 70 years or maximum duration of 35 years, whichever is earlier.
    Saving Illustrations

    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 Registrtion 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
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    PDS-Property Financing-i (Tawarruq)

    Download here

    Application Form Consumer Financing - BI

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    Borang Permohonan Pembiayaan Konsumer - BM

    Download here

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