特点与好处
Own your first home
Skim Rumah Pertamaku helps young, first time home buyers to obtain up to 110% financing for property purchase price up to RM300,000 or up to 100% financing for property price more than RM300,000 to RM500,000 for their first residential home
This is in line with the Government’s aspirations of increasing home ownership amongst the “rakyat”.
Note: Document administration fee is waived for lawyer to use Bank’s standard loan/financing documents for loan/financing granted for purchase of residential property with purchase price up to RM300,000
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A. Skim Rumah Pertamaku
Q: What is Skim Rumah Pertamaku (SRP) / My First Home Scheme?
A: The Government in the 2011 Budget aimed to assist young adults earning RM5,000 per month or less to own a home. The scheme allows homebuyers to obtain up to 100% financing from financial institutions, enabling them to own a home.
Cagamas SRP Berhad will guarantee the banks on financing above 90% i.e. if a borrower obtains 100% financing, Cagamas SRP will guarantee 10% (from 90% to 100%) of the financing.
Q: With Cagamas SRP Berhad's guarantee, does it mean borrowers/customers under the Scheme are only liable to the bank for 90% financing only?
A: No, the borrowers/customers are liable to the bank for the full financing amount (up to 100%). The guarantee only indemnifies the bank for any loss incurred as a result of financing above 90% level.
B. Financing
Q: Who is eligible for this Scheme?
A: This scheme is open to all Malaysian citizens aged 40 years old or less with monthly income of not more than RM5,000 per applicant, with minimum employment period of 6 months with the same employer.
Q: I am self-employed and my spouse works in a trading company earning RM2,000 per month. Are we eligible as joint applicants under the Scheme?
A: No, all applicants (including joint applicants) must meet the citizenship, first home, employment, age and income criteria.
Q: My spouse and I each earn RM1,500 per month and we wish to obtain 100% financing purchase our first home of RM220,000. Would we qualify under the Scheme?
A: Under the Scheme, the monthly repayment/instalment amount must not be more than 1/3 of borrower's/customer's monthly combined gross income; in this case, RM 1,000 per month as the financing is subject to affordability.
Example of calculation:
Gross combined income : RM 1, 500 + RM 1,500 = RM 3,000
1/3 of RM 3,000 = RM 1,000
Based on current interest/profit rates and permitted maximum financing tenure of 30 years, your maximum eligible financing amount is approximately RM200,000. To obtain RM220,000 financing, your combined monthly income would need to be approximately RM3,300.
Q: My friend and I meet all the criteria. Can we jointly apply for financing under the Scheme?
A:No, joint applicants must be family members, i.e. husband and wife or siblings only, and they must all meet the criteria set.
C. Property
Q: Does the Scheme cover completed properties as well as those under development?
A: Yes, the Scheme covers both completed properties and those under development. The guarantee is effective upon full disbursement of the financing.
Q: My spouse and I bought a property at RM220,000. Will we be entitled to RM220,000 financing if we meet the income criteria?
A: Valuation of the property is subject to the bank's underwriting policy. Generally, banks will finance based on purchase price or valuation (open market value) from their panel valuer, whichever is lower.
Q: My existing financing was taken up for the purchase of my first home. Am I eligible to refinance the loan under the Scheme?
A: No, the Scheme does not cover refinancing of an existing financing.
Q: Are there any limitations on the type of residential properties or locations under the Scheme?
A: The type of residential properties and locations are subject to participating banks' underwriting policies.
D. Other Questions
Q: How do I apply for financing under the Scheme?
A: Application can be made at any branch of the participating banks.
Q: Can I apply for Islamic financing under the Scheme?
A: Yes, the Scheme covers both conventional and Islamic financing.
Q: What is the maximum financing tenure?
A: The maximum financing tenure is 35 years, subject to participating banks' respective underwriting policies.
Q: Do I need to purchase fire insurance/takaful and Mortgage Reducing Term Assurance (MRTA) / Mortgage Reducing Term Takaful (MRTT)?
A: The borrower/customer will have to purchase fire insurance/takaful. However, MRTA / MRTT requirements will depend on the requirements of the participating banks.
Q: With up to 100% financing under the Scheme, does that mean I do not have to come up with any down payment?
A: The homebuyer would be required to pay a booking fee and/or deposit to the seller under the terms of the Sale and Purchase Agreement pending disbursement of the home financing by the bank. When financing documentation is completed, the homebuyer would be reimbursed from the disbursement of the financing by the bank.
合格借贷者：
- 仅限大马公民
- 首次购屋者
- 每月总收入不超过 RM 5,000 的人借贷者
- 银行和非银行（包括未涵盖于CCRIS）的所有未结债务，不得超过法定扣除（如、税务、公积金、社险）后工资的60%，或贷款银行的最高限额，以较低者为准。
可接受收入文件
- 个人申请者
可接受收入文件
- 最新三个月工资单
- 最新BE表格（附上纳税收据）
- 最新EPF结算单
- 最新三个月银行结算单
- 最新EPF结算单
合格物业：
- 房屋价格最高RM500,000
- 仅限住宅物业
- 租赁地契的剩余租期超过或相等于60年
- 业主自住
- 须提呈总地契/个别地契副本
融资条件：
- 已建成房屋：最长融资期达至35年或65岁，视何者为先。
- 建筑中房屋：最长融资期达至33年或65岁，视何者为先。
- 可通过每月扣除工资或自动转账支付分期贷款
- 须有火灾保险/伊斯兰保险
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