Close
EN
BM

Personal

Business

Financing

SMART Mortgage Skim Rumah Pertamaku PLUS

Open to individuals with a fixed income, none fixed income or self-employed including small traders and entrepreneurs to own their first home.

Financing

SMART Mortgage Skim Rumah Pertamaku PLUS

Open to individuals with a fixed income, none fixed income or self-employed including small traders and entrepreneurs to own their first home.

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

SMART Mortgage Skim Rumah Pertamaku PLUS

Open to individuals with a fixed income, none fixed income or self-employed including small traders and entrepreneurs to own their first home.

Package Name

SMART Mortgage Skim Rumah Pertamaku PLUS (SRP PLUS)

 

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

 

Benefits

  • House purchase price or market value of up to RM1,000,000.
  • Margin of Financing of up to a maximum of 100% +10% financing of Moving Costs and Related Expenses (MCRE) i.e. MRTT/MLTT, LTHT, Legal and Valuation Fees & stamp duty

 

Documents required

Fixed Income Earner:

  • Photocopy of MyKad
  • Latest 1-month salary slip
  • Latest 1-month Bank Statement
  • Latest EA / EC / J Form
  • Verification through the ‘HRMIS’ System for government servants
  • Original S&P Agreement/ booking sheet/ down payment receipt
  • Any additional documents (if required)

 

Self-Employed or Non-Fixed Income Earners:

  • Photocopy of IC;
  • Latest 6 months Bank or deposit account statement (personal / business)
  • Business and relevant license; or self-employed related document (whichever is applicable)
  • Latest tax receipt
  • Visit business premises (for verification of employment and/or conducting business)
  • Any additional documents (if required)

Let us help you calculate!

Muamalat Calculator

Financing Amount (RM)
Profit Rate
Installment period (years)
Monthly Payment

Terms and Conditions

*Terms and conditions apply.

You might also be interested in

SMART Mortgage FLEXI
SMART Mortgage Solution
Chat with us on
WhatsApp
AUSTRALIAN DOLLARAUD2.8230002.6660002.650000
BRUNEI DOLLARBND3.4030003.2030003.192000
CANADIAN DOLLARCAD3.1400003.0250003.008000
SWISS FRANCCHF5.3740005.1360005.118000
EURO EUR5.0440004.7590004.737000
STERLING POUNDGBP5.7910005.5300005.521000
NEW ZEALAND DOLLARNZD2.6440002.4520002.437000
SINGAPORE DOLLARSGD3.4030003.2030003.202000
UNITED STATES DOLLARUSD4.3990004.1580004.141000

2025-08-01 08:38:20