Monday, 23 April 2018,   07 Syaaban 1439H
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BSN AN NAIM Home Financing-i (Corporate Employees Scheme)

BSN AN NAIM Home Financing-i (Corporate Employees Scheme) is a financing facility between BSN and Corporate Bodies which provide home financing for their staff based on Bai Bithaman Ajil (BBA).

Shariah Contract

Shariah contract applicable is Bai’ Bithaman Ajil (BBA). BBA contract refers to the sale and purchase of an asset on defered and installment basis with a pre-agreed payment period. The sale price will include a profit margin agreed upon by both parties.

Financing Benefits

»   To finance the purchase of new house;
»   To finance the purchase of residential property
     (completed/under construction).

»   Refinancing of existing residential property.

Package Offered

»   BSN An Naim Employees of  Prudential BSN Takaful Bhd  (Pru BSN).
»   BSN An Naim Employees of Keretapi Tanah Melayu (KTMB)


»   Malaysia citizen.
»   18 years or age allowed by to 65 years old.
»   Giro-i account holder’s.
»   All applications are to be submitted to BSN through Employer
     ONLY UPON RECEIPT of support letter from Employer.


»   Margin of Financing (MoF)
»   MoF is 95% +5% (MRTT)*

Financing Period

Minimum Maximum
5 years 35 years or 65 years of age whichever is earlier.*

*Terms and conditions apply

Late Payment Charges

»   Within the Facility Period

Overdue instalment(s) x Average Financing Rate (AFR) x No. of overdue day(s)

»   After the Facility Period

Outstanding principal x Average Financing Rate (AFR) x  No. of overdue day(s)

»   Late payment charges consist of Ta’widh (compensation) and Gharamah (penalty). Gharamah shall be channeled by the
     Bank to the approved charitable organizations.

»   Average Financing Rate (AFR) refers to the rate as may be determined by the Bank and subject to change from time to time.

Stamp Duty

»  Principal Documents - Will be charged on ad valorem basis.
»  Other Documents – RM 10