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Finance your first home with a fully shariah home ownership scheme up to maximum amount of RM500,000.

Product Benefits

Financing tenure up to age of 70 years or maximum duration of 35 years, whichever is earlier
Financing of MCRE

(Moving Costs & Related Expenses) i.e. MRTT/MLTT, LTHT, legal fees, valuation fee & stamp duty

Fully-Shariah compliant product
Peace of mind with Mortgage Reducing Term Takaful (MRTT)/Mortgage Level Term Takaful (MLTT) coverage
No lock-in period
Competitive profit rate

Finance your first home with a fully shariah home ownership scheme up to maximum amount of RM500,000.


Package Name

SMART Mortgage- Skim Jaminan Kredit Perumahan – Madani (SJKP – Madani)


  • All individuals & joint applicants
  • For fixed income earners, non-fixed income earners and self-employed
  • First time house buyers for own occupation


  • House purchase price or market value of up to RM300,000.
  • Margin of Financing of up to a maximum of 120%.


Documents required
  • Photocopy of I/C of applicant(s)
  • Latest 6-month salary slips (if applicable)
  • Latest J/EA Form
  • Original S&P Agreement/ booking sheet/ down payment receipt
  • Business Registration and other related forms for self-employed (whichever is applicable)
  • Latest 6-month Bank Statement (if applicable)
  • Declaration letter on self-employment or income stream (if applicable)
  • 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

Terms and Conditions
Product Disclosure Sheet

*Terms and conditions apply.

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2024-06-13 08:48:21