» Malaysian citizen.
» Age of 21 years and above (must not exceed 70 years old* at the
end of financing period).
» Individual / Non-Individual applicants.
» Property located in ¹MF 6 and above areas.
» Under Construction Property - limited to selected ²Premier Developers only.
» Completed Property – open to all.
» ¹MF: Marketability Factor.
» ²Terms and Conditions apply.
» Loan tenure up to 35 years or not more than 70 years old* at the end of the loan period
» Margin of financing could reach up to 95% (subject to Terms & Condition) upon the purchase price from the developer
(inclusive of MRTA).
» Smart choice - with Zero Moving Cost / Zero Entry Cost that offers a lower rate from the market.
» Easy to apply - provided at all BSN Main Branch nationwide.
» Convenient payment channels:
» BSN Branches nationwide
» Standing Instruction / Savings Account
» Interbank GIRO (IBG)
» Loan options:
» Loan for property still under construction.
» Loan for completed property.
» Packages offered:
|Second Charge Package||» Especially for Government Servants and other Government Agencies entitled for a home loan.
» As an additional loan, in case the existing loan is insufficient.
|2 Generations Package||
» Joint loan consisting of 2 generations parent(s) and child (still in a learning institution
» Eligibility for age limit of 70 years old is subject to Bank's Terms & Conditions.
For Individual / Joint Applicant
» Pay Slip - original copy and latest three (3) months copies.
» A copy of NRIC (applicant's / joint applicant's).
» J Form / Latest Income Tax Declaration.
» Copy of Sale and Purchase Agreement and / or property documents.
» Copy of Evaluation Report (for property purchase) from evaluation panel registered with the Bank.
» Organisation Bank Statement for the period of six (6) months.
» Organisation Financial Statement for last two (2) years approved by authorised Audit Body.
» Memorandum of Association.
» Board of Director Resolution.
» Form 24 and Form 49 of Company Act 1965.
*Guarantor: If required; mandatory documents are similar to applicant.
|No||Loan Amount||Tenure||Completed||Under Construction|
|Non Zero Moving Cost (NZMC)|
|BR + 2.85%||BR + 2.85%|
> RM 100,000
|Year 1 - 2||Zero Moving
|Non Zero Moving
|Non Zero Moving
|BR + 0.65%||BR + 0.55%||BR + 0.40%||BR + 0.30%|
|Thereafter||BR + 0.65%||BR + 0.55%|
|Year 1 - 2||BR + 0.60%||BR + 0.45%||BR + 0.30%||BR + 0.30%|
|Thereafter||BR + 0.60%||BR + 0.45%|
» You can settle your loan at any time by submitting written notice to the Bank.
» In the event that the early settlement is made during the lock-in period, the early settlement charges shall comprises the legal costs and
other expenses that were paid by the Bank under ZMC package would be levied.
» Monthly Installments in Arrears × 1% × Number Of Days Overdue ⁄ 365.
» Principal Documents - Will be charged on ad valorem basis.
» Other Documents – RM 10