• BSN MYHOMEPLUS-i
    Get extra cash with BSN MyHomePlus-i Financing

    Eligibility

    • Malaysian
    • Aged 21 to 60 years at the time of applying and not more than 70 years old at the end of the financing period
    • The existing BSN MyHome-i financing must not be less than 2 years
    • For mandated BSN MyHome-i facility, the existing financing, which has passed the lock-in period.

    Shariah Concept

    The Shariah concept used is Tawarruq (Commodity Murabahah) which consists of two sale and purchase contracts. The first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash and spot basis.

    Apply Now
    BSN MYHOMEPLUS-i
    Get extra cash with BSN MyHomePlus-i Financing

    Eligibility

    • Malaysian
    • Aged 21 to 60 years at the time of applying and not more than 70 years old at the end of the financing period
    • The existing BSN MyHome-i financing must not be less than 2 years
    • For mandated BSN MyHome-i facility, the existing financing, which has passed the lock-in period.

    Shariah Concept

    The Shariah concept used is Tawarruq (Commodity Murabahah) which consists of two sale and purchase contracts. The first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash and spot basis.

    Apply Now

Mortgage top-up financing facility is offered to the existing BSN mortgage customers.

Charge your property for extra funds. The potential value of top-up financing will be the difference between your current property value and your home financing balance.

FINANCING FEATURES

  • Minimum tenure: 5 years.
  • Maximum tenure: 35 years or not more than 70 years old at the end of the financing period, whichever is earlier;
  • If the financing is under two (2) generations, the financing period may refer to the age of the child; and Cannot exceed the existing BSN MyHome-i financing period.
  • Financing margin up to 90% + 5% (FEC *) over current market value (CMV).
  • Easy to apply - available at all BSN Main Branches nationwide.
  • Convenient payment channels: 
    1. BSN Branches nationwide
    2. Standing Instructions / Savings Account
    3. Interbank GIRO (IBG)

FINANCING LIMITS

  • Minimum: RM50,000.
  • Maximum: Subject to terms and conditions devised for the financing limit.

PROFIT RATES

ItemNon-MandatedMandated
With
Takaful		Without
Takaful		With
Takaful		Without
Takaful
RateSBR + 1.65%SBR + 1.80%SBR + 1.85%SBR + 2.00%

DOCUMENTS REQUIRED 

Documents

  • A copy of NRIC;
  • Copy of Sale and Purchase Agreement; or
  • Previous Letter of Offer from BSN (if applicable); and
  • Copy of Evaluation Report from panel valuer registered with the Bank (Compulsory)
  • Pay Slip - original copy and latest one (1) month; and
  • Latest 1 month Bank Statement; or
  • Latest EPF Statement
  • Pay Slip - original copy and latest three (3) months copies; and
  • Latest 3 months Bank Statement; or
  • Latest EPF Statement (if applicable)
  • Latest 6 months Bank Statement;
  • B/BE Form together with LHDN Receipt;
  • Business Registration Certificate (SSM); and
  • Form 24, Form 44 & Form 49

Get Started with our Financing Calculator

Wish to know how much you would be paying every month? Let us help you get started. 

{{lang == 'en' ? 'Kindly enter your financing details' : 'Masukkan butiran pembiayaan anda di sini'}}

{{results[0] }}
{{lang == 'en' ? 'Disclaimer :' : 'Penafian :'}}
{{lang == 'en' ? ' This calculator serves as an estimate only. It is provided for illustrative purposes and is based on the accuracy of information provided. It does not constitute a quote. BSN shall not be responsible for any inaccuracies or errors resulting from the use of this calculator.' :'Kalkulator ini berfungsi sebagai anggaran sahaja. Ia disediakan untuk tujuan ilustrasi dan adalah berdasarkan ketepatan maklumat yang diberikan. Ia bukan merupakan sebut harga. BSN tidak akan bertanggungjawab terhadap sebarang ketidaktepatan atau kesilapan yang disebabkan oleh penggunaan kalkulator ini.'}}

LATE PAYMENT CHARGES (LPC) 

Late Payment Charges will be charged based on Ta’widh (Compensation).

During financing PeriodLate Payment Charges (LPC) of 1% per annum will be imposed on the overdue monthly instalment payment in the event you fail to pay any monthly instalment within the stipulated period from the first disbursement of the financing until its maturity date.
After the completion of financing periodPrevailing daily overnight Islamic Interbank Money Market (IIMM) rate will be charged for failure to pay the total outstanding balance after maturity or upon judgment obtained, whichever earlier.

FEES & CHARGES

  • EARLY SETTLEMENT
    You may settle your financing at any time by submitting a written notice to the Bank.
  • STAMP DUTY
    Principal Documents - Will be charged on ad valorem basis.
    Other Documents - RM10.00

NOTES:

APPLY NOW

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