My1 First Home Loan

A Scheme for first-time homebuyers

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Realising your dream should be this easy. Keeping things simple. That's what we bank on to keep our customers happy. As a financial partner who takes individual goals and needs to heart, we offer customers a banking experience that is rewarding and hassle-free. For a home loan that suits you, we're just a call away.

This scheme is for first-time owners and it allows homebuyers to obtain up to 100% financing. This is in line with the Government aspirations to enable young adults to own their 1st home.

For more information, please call 1-800-88-HOME (4663) or visit our nearest branch.

  • Malaysian citizen
  • First time home-buyer
  • Individuals up to age 35 years
  • Single borrower gross income not exceeding RM5,000/month
  • Confirmed employee with minimum employment of 6 months with same employer
  • All outstanding debt repayment obligations from banks and non-banks (including those not covered by CCRIS) must not be more than 60% of the net monthly income
MINIMUM LOAN AMOUNT RM100,000 (exclusive of MRTA).
LOAN MARGIN Up to 100%
LOAN TENOR Minimum    : 5 years
Maximum   : 35 years or age 65 whichever  is earlier
MRTA Optional


  • Residential properties located in Malaysia
  • Minimum property value of RM100,000
  • Maximum property value of RM400,000
  • Owner occupied (buyers are required to reside in the property)


  • Amortizing facility only (no redraw features)
  • Installments payable via monthly salary deduction or standing instruction
  • Savings record (3 months installment liquidity reserve)
  • Compulsory Fire insurance/takaful

Other fees and charges please click Rates & Charges