Rumah Pertamaku Bsn

Cabaran dan Tips Nak Dapatkan Approval

Okay, jujur cakap, walaupun skim ni nampak menarik, tak semua orang senang-senang boleh dapat approval. Ada beberapa cabaran yang korang mungkin hadapi. Tapi jangan risau, ada juga tips yang korang boleh follow:

Cara Memohon Skim Rumah Pertamaku

Kalau korang rasa dah ready nak apply, berikut adalah langkah-langkah mudah:

How do I meet the requirements for this Maybank loan?

This Maybank home loan is designed especially for those with an income of less than RM5,000 a month. For joint borrowers, say you want to get a loan with your wife or husband, your total monthly income shouldn't exceed RM10,000, assuming both individual incomes should be no more than RM5,000 per month.

Other than that, the property that you are planning to finance must be your first home and not used for investment purposes such as renting out to other people. To fully own it, you must live in it!

Rumah Selangorku dan Skim Rumah Pertamaku

Kalau korang tinggal atau bekerja di Selangor, memang kena consider Rumah Selangorku. Projek ni bukan je harga berpatutan, tapi banyak lokasi strategik. Plus, dengan Skim Rumah Pertamaku, proses pembelian jadi lebih mudah.

Dekat Rumah Selangorku, korang boleh dapat info terkini tentang projek yang available, termasuk jenis rumah, lokasi, dan cara nak apply. Jangan lepaskan peluang sebab rumah-rumah ni memang cepat habis, bro!

Skim Rumah Pertamaku adalah peluang yang tak patut dilepaskan untuk pembeli rumah pertama. Dengan syarat yang tak terlalu ketat dan kelebihan seperti 100% pembiayaan, ia memang sesuai untuk kita yang baru nak mulakan hidup sendiri atau dengan family.

Ingat, persediaan adalah kunci. Jaga rekod kewangan, simpan sikit duit untuk kos tambahan, dan buat research pasal rumah yang korang nak beli. Kalau follow tips ni, peluang korang untuk dapatkan approval lebih cerah, insyaAllah.

Kalau nak explore lebih lanjut, jangan lupa check out website Rumah Selangorku. Ada banyak info yang berguna untuk bantu korang dalam perjalanan beli rumah impian. Good luck, guys!

Is there a lock-in period and early settlement fee?

Yes and no. If you're taking up conventional home loan, there's a lock-in period of 3 years. On the other hand, if you take up an Islamic mortgage, you won't be subjected to one . Since there's lock-in period of 3 years for a conventional mortgage, you are not advised to settle the loan early as you will be charged an early settlement fee.

A little tip for Maybank first home buyer – if you think you're able to settle the mortgage loan within 3 years, you can consider to take up Maybank Islamic My First Home Scheme. However, you will have to adhere to Syariah principles.

Apa Itu Skim Rumah Pertamaku?

Skim Rumah Pertamaku (SRP) adalah skim yang diperkenalkan oleh kerajaan Malaysia dengan kerjasama bank-bank tempatan. Tujuannya mudah – untuk bantu pembeli rumah pertama yang tak ada modal besar buat downpayment. Dalam erti kata lain, kalau korang qualify untuk skim ni, korang boleh dapat 100% pembiayaan dari bank, jadi tak payah pening kepala nak cari 10% downpayment tu.

Kelebihan Skim Rumah Pertamaku

Apa yang buat skim ni special? Banyak lah, bro. Ini antara kelebihannya:

Do I need to buy insurance or takaful for my house?

It is compulsory for you to purchase fire insurance or fire takaful. In addition to that, the Mortgage Reducing Term Assurance (MRTA) is also compulsory in order to be approved for this housing loan.

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Maybank Skim RumahPertamaku

Owning a house is no longer beyond your reach! Get your first home without saving up for a downpayment, pay minimal fees, and high borrowing limit.

Estimated Profit Rate

There are always fees but how much are they?

Late Penalty Fee - 1% p.a. of the outstanding amount

Early Settlement Fee - 1% Subject to terms of agreement with bank

Redemption Letter Fee - RM53.00 per request

Letter for EPF Withdrawal Fee - RM10.60 per request

Are you eligible for this Maybank home financing?

Minimum annual income - RM10800

Minimum age - 21 years old

Maximum age - 40 years old

Who can Apply - Malaysians

Frequently Asked Questions about Maybank Skim RumahPertamaku

Things you might want to know

What do I need to know about Maybank Skim RumahPertamaku?

The Skim RumahPertamaku (SRP) or My First Home Scheme was launched by the Malaysian government in 2011 to help young adults to own their very first home. With property prices rising by the day, the government has offered a housing loan package with no downpayment, minimal set-up fees, and low income requirements.

How do I meet the requirements for this Maybank loan?

This Maybank home loan is designed especially for those with an income of less than RM5,000 a month. For joint borrowers, say you want to get a loan with your wife or husband, your total monthly income shouldn't exceed RM10,000, assuming both individual incomes should be no more than RM5,000 per month.

Other than that, the property that you are planning to finance must be your first home and not used for investment purposes such as renting out to other people. To fully own it, you must live in it!

What is the range of financing amount?

With 100% margin of financing, you can borrow up to the whole selling price of your new home, subject to a minimum borrowing amount of RM100,000 up to a maximum of RM400,000. You won't have to save up for a downpayment, just make sure you pay your monthly instalments.

Is there a lock-in period and early settlement fee?

Yes and no. If you're taking up conventional home loan, there's a lock-in period of 3 years. On the other hand, if you take up an Islamic mortgage, you won't be subjected to one . Since there's lock-in period of 3 years for a conventional mortgage, you are not advised to settle the loan early as you will be charged an early settlement fee.

A little tip for Maybank first home buyer – if you think you're able to settle the mortgage loan within 3 years, you can consider to take up Maybank Islamic My First Home Scheme. However, you will have to adhere to Syariah principles.

Do I need to buy insurance or takaful for my house?

It is compulsory for you to purchase fire insurance or fire takaful. In addition to that, the Mortgage Reducing Term Assurance ( MRTA) is also compulsory in order to be approved for this housing loan.

Pemohon bersama merangkumi pasangan, ibubapa, anak atau adik beradik dengan syarat mereka memenuhi kriteria lain

Hello semua! Kalau korang tengah plan nak beli rumah pertama, mesti pernah dengar pasal Skim Rumah Pertamaku, kan? Ini memang salah satu inisiatif terbaik dari kerajaan Malaysia untuk bantu orang macam kita yang nak beli rumah tapi takut tak lepas loan. Jadi, dalam blog post ni, kita akan kupas habis-habis pasal skim ni – dari syarat kelayakan sampai tips untuk maximize peluang korang dapat approval. Siap sedia, bro!

Syarat Kelayakan Skim Rumah Pertamaku

Nak apply skim ni tak susah, tapi ada beberapa syarat yang korang kena penuhi. Berikut adalah syarat utama:

What is the range of financing amount?

With 100% margin of financing, you can borrow up to the whole selling price of your new home, subject to a minimum borrowing amount of RM100,000 up to a maximum of RM400,000. You won't have to save up for a downpayment, just make sure you pay your monthly instalments.