Bank Muamalat Malaysia Berhad » SMART Mortgage SRP
Consumer BankingFinancingMortgageHome Financing-iSMART Mortgage SRP
Talk To Us

First time Home Buyer with higher Margin of Financing

TermDescription
Package NameSMART Mortgage SRP (Skim Rumah Pertamaku)
Eligibility
  • All individuals & joint applicants
  • Salaried workers or self-employed
  • No record of impaired financing for the past 12 months
  • First time house buyers for own occupation
  • Property purchase price up to RM500,000
  • Gross monthly income is up to 10,000 for single / joint applicants
    • 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
    • Margin of FinancingUp to 100%+10% MCRE
    TenureFinancing tenure up to age of 70 years or maximum duration of 35 years, whichever is earlier
    Document 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
    Download

    PDS SMART Mortgage SRP

    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

    Notice of Cessation of Al-Baghdadi and Beana Home Quran Service

    See All Announcement

    Notice on Revision of Terms & Conditions – Personal Financing-i (Tawarruq)

    See All Announcement

    Notice on Revision of Product Disclosure Sheet (PDS) Credit Card-i (Tawarruq)

    See All Announcement

    Notice on Revision of Terms & Conditions for Debit Card-i and Cardholder Agreement for Credit Card-i

    See All Announcement

    Bantuan Khas Banjir

    See All Announcement

    Notice on Revision of Product Disclosure Sheets (PDS) and Terms and Conditions (T&C) for Mudarabah Unrestricted Investment Account (SURIA)

    See All Announcement

    Notice on Revision of Product Disclosure Sheets for Vehicle Financing-i (MPO)

    See All Announcement

    Notice on Revision of Product Disclosure Sheets-Personal Financing-i (Tawarruq)

    See All Announcement

    Notice on Revision of Product Disclosure Sheets – Inward Bills for Collection-i (Wakalah) / Outward Bills for Collection-i (Wakalah) / Letter of Credit-i (Murabahah) / Letter of Credit-i (Wakalah)

    See All Announcement

    Notice on Revision of Product Disclosure Sheets (PDS)

    See All Announcement

    Notice: Standardised Base Rate (SBR), Base Rate (BR), Base Financing Rate (BFR) and Fixed Term Account-i (FTA-i) Deposit Rates Effective 8 November 2022

    See All Announcement

    Notice on Revision of Product Disclosure Sheets (PDS) and Terms and Conditions (T&C) for Muamalat Gold-i (Physical and Account)

    See All Announcement

    Notice on Revision of Product Disclosure Sheets (PDS) and Credit Card-i Cardholder Agreement

    See All Announcement

    Notice on Revision of Product Disclosure Sheets (PDS)

    See All Announcement

    Notice of Cessation of Accepting Gold Jewelry with Precious Stone

    See All Announcement

    POST TARGETED PAYMENT ASSISTANCE PROGRAMME SURVEY

    See All Announcement

    Notice on Revision of Product Disclosure Sheets (PDS) Sept 2022

    See All Announcement

    Termination of EasiGold EasiMenang Campaign Notice

    See All Announcement

    Notice on Revision of Product Disclosure Sheet for Islamic Pawnbroking (Muamalat Ar-Rahnu)

    See All Announcement

    NOTICE: INTRODUCTION OF STANDARDISED BASE RATE (SBR), EFFECTIVE ON 13 SEPTEMBER 2022

    See All Announcement

    Muamalat Gold-i (MG-i)

    See All Announcement

    Notice on Revision of Product Disclosure Sheets (PDS) – 20 July 2022

    See All Announcement

    Notice on Revision of Product Disclosure Sheets (PDS) – 7 July 2022

    See All Announcement

    Jemputan untuk menyertai Sebut Harga di Bank Muamalat Malaysia Berhad (BMMB)

    See All Announcement

    AMARAN KESELAMATAN SIBER KEMPEN SMSSpy BERNIAT JAHAT

    See All Announcement

    CYBERSECURITY ALERT: MALICIOUS SMSSpy CAMPAIGN

    See All Announcement

    System Maintenance

    See All Announcement

    BANK MUAMALAT MALAYSIA BERHAD REVISES UPWARD BASE RATE (BR), BASE FINANCING RATE (BFR) AND FIXED TERM ACCOUNT-i (FTA-i) DEPOSIT RATES

    See All Announcement

    Notice of Revision to the Product Disclosure Sheet for Muamalat Vehicle Financing-i

    See All Announcement

    Notice on Revision of Product Disclosure Sheet (PDS) of SMART Mortgage Flexi (Tawarruq)

    See All Announcement

    AWAS! JANGAN TERPEDAYA PIHAK KETIGA

    See All Announcement

    Notice on Revision of Product Disclosure Sheet (PDS) of Islamic Pawn Broking (Muamalat Ar-Rahnu)

    See All Announcement

    Notice of Revision to the Terms of Use (TOU) for Jariah Fund’s Platform User

    See All Announcement

    Notice on Revision of Terms & Conditions of Fixed Term Account-i (FTA-i) and e-Fixed Term Account-i (eFTA-i)

    See All Announcement

    NOTICE OF REVISION TO THE PRODUCT DISCLOSURE SHEET (PDS) AND TERMS AND CONDITIONS (T&C) FOR MUDARABAH UNRESTRICTED INVESTMENT ACCOUNT (SURIA)

    See All Announcement

    NOTICE OF REVISION TO THE TERMS AND CONDITIONS (T&C) FOR M-ELITE PRIVILEGES CAMPAIGN

    See All Announcement

    NOTICE OF CESSATION OF BADAL HAJJ SERVICES BY TRADEWINDS TRAVEL SERVICES

    See All Announcement

    Notice of Revision to the Terms and Conditions (T&C) for Current Account-i and Savings Account-i (CASA)

    See All Announcement

    EXTENSION OF VBI-BE SMART UNIT TRUST CAMPAIGN

    See All Announcement

    Notice of Revision to the Product Disclosure Sheet (PDS) for Current Account-i and Savings Account-i (CASA)

    See All Announcement

    Notice of Revision to the Terms & Conditions (T&C) for Saving Account – i & Current Account – i (Tawarruq)

    See All Announcement

    NOTICE REDUCTION OF INITIAL DEPOSIT AND MINIMUM BALANCE TO MAINTAIN IN ACCOUNT FOR CASA M-ENRICH

    See All Announcement

    Notice of Revision to the Terms & Conditions (T&C) and Product Disclosure Sheet (PDS) for Muamalat Gold-i

    See All Announcement

    Notice of Revision to the Terms and Conditions for Muamalat Gold-i (Gold Account)

    See All Announcement

    Notis Awam

    See All Announcement

    Notice of Revision to the Terms and Conditions for Muamalat Beyond Premier Banking

    See All Announcement

    Notice on Revision of Terms and Conditions for Deposit products

    See All Announcement

    Notice on Revision of Terms and Conditions for Muamalat Gold-i (Account)

    See All Announcement

    MALAYSIAN Retail Banking Industry Customer Satisfaction Survey 2019

    See All Announcement

    Notice on Revision of Terms & Conditions of Current Account-i/Savings Account-i (CASA), Fixed Term Account-i, and Foreign Currency Current Account-i

    See All Announcement

    Penamatan Perkhidmatan Instant Bank Fund Transfer (IBFT) di i-Muamalat

    See All Announcement

    Notice on Revision of Terms & Conditions and Product Disclosure Sheet of Debit Card-i and Platinum Debit Card-i

    See All Announcement

    Soalan Lazim (FAQ) Berkaitan Perintah Kawalan Pergerakan Bank Negara Malaysia

    See All Announcement

    Notice on New Fees and Charges For EPF Withdrawal Application Via e-Pengeluaran

    See All Announcement

    Notice on New Fees and Charges For Current Account

    See All Announcement

    Notice on the launch of Islamic Pawn Broking (Muamalat Ar-Rahnu) based on the concept of Tawarruq and Cessation of Pawn Broking-i (Muamalat Ar Rahnu) based on the concept of Qard & Ujrah

    See All Announcement

    Notice on Change of Vendor for Fire and Home Takaful for Financing Customers

    See All Announcement

    Notice on Revision of Terms & Conditions and Product Disclosure Sheets of Current Account-i/Savings Account-i (CASA) and Fixed Term Account-i (FTA)

    See All Announcement

    Notice of Fair Practices on Terms and Conditions of Home Financing Agreements/Contracts

    See All Announcement

    Notice on Revision of Terms and Conditions Muamalat Gold-i Physical

    See All Announcement

    Notice on Revision of Terms and Conditions and Product Disclosure Sheet Current Account-i/Savings Account-i (CASA)

    See All Announcement

    Notice on Cheque Crediting Time

    See All Announcement

    Information on E-payment Services and Fees

    See All Announcement

    Notice on Introduction of New Fees and Charges

    See All Announcement

    Notice on Revision of Terms & Conditions of Online Current Account-i/Savings Account-i (CASA) Opening

    See All Announcement

    Revision of Early or Premature Withdrawal of FTA-i & STA-i

    See All Announcement

    Notice on Revision of Terms and Conditions and Product Disclosure Sheet Current Account-i/Savings Account-i (CASA)

    See All Announcement

    IBFT Fee Waived

    See All Announcement

    Notice on Revision of Terms and Conditions and Product Disclosure Sheet Muamalat Gold-i

    See All Announcement

    Notice on Revision of Terms and Conditions and Product Disclosure Sheet Fixed Term Account-i

    See All Announcement

    Notice on Personal Data Protection Act (PDPA)

    See All Announcement

    Personal Data Protection Act (PDPA)

    See All Announcement

    Foreign Account Tax Compliance Act (FATCA)

    See All Announcement

    Common Reporting Standard (CRS)

    See All Announcement

    Foreign Exchange Administration (FEA)

    See All Announcement

    CSI Survey 2017-Executive Summary

    See All Announcement

    Notice on Cessation Posting of Current Account Statement for Corporate

    See All Announcement

    Notice on Cessation Posting of Current Account Statement for Individual Account

    See All Announcement

    Notice on Revision of Terms & Conditions

    See All Announcement

    Strategy Paper on Value-based Intermediation: Strengthening the Roles and Impact of Islamic Finance

    See All Announcement

    Debit Card-i Safe Payment Card Practices

    See All Announcement

    Securities Industry Dispute Resolution Centre (“SIDREC”)

    See All Announcement

    Notice on Update of Personal Information

    See All Announcement