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Finance Entry Cost
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The main feature of FEC is that all costs incurred on loan documentation are capitalised into borrower's loan account. The costs incurred are legal fees, stamp duty, legal disbursement and valuation report (where required).

COMPLETED PROPERTIES (Without MRTA) - minimum loan amount RM100,000
 
Loan amount up to RM300,000:
Year Conventional/i-Wish SaveLink HL
Non-ZEC/FEC
(% p.a.)
ZEC
(% p.a.)
Non-ZEC/FEC
(% p.a.)
ZEC
(% p.a.)
1st - 2nd  BLR - 2.30% BLR - 1.60% BLR - 2.20% BLR - 1.50%
3rd - 5th  BLR - 2.05% BLR - 1.60% BLR - 2.00% BLR - 1.50%
Thereafter BLR - 2.05% BLR - 2.05% BLR - 2.00% BLR - 2.00%
Exclusive packages available for financing amount above RM300,000.

Additional terms to the above
  • 'With MRTA' pricing: No pricing differentiation.
  • OD facility: Max MOF 50% @ BLR + 0% p.a.
  • Lock-in Period/Penalty comprises two categories per the following schedule:

Packages Lock-in period
(from 1st disbursement)
Penalty % on
original loan
Min. loan amount
(RM)
NON-ZEC/FEC 5 years First 3 years: 3%
4th - 5th year: 2%
100,000
ZEC 5 years 3% 150,000

All other terms and conditions per the prevailing Mortgage Loans Credit Policy, as updated from time-to-time.

UNDER CONSTRUCTION PROPERTIES (Without MRTA) - minimum loan amount RM100,000
 
Loan amount up to RM300,000:
Year Conventional/i-Wish SaveLink HL
Non-ZEC/FEC
(% p.a.)
ZEC
(% p.a.)
Non-ZEC/FEC
(% p.a.)
ZEC
(% p.a.)
1st - 2nd  BLR - 2.30% BLR - 1.40% BLR - 2.20% BLR - 1.30%
3rd - 5th  BLR - 1.85% BLR - 1.40% BLR - 1.80% BLR - 1.30%
Thereafter BLR - 2.05% BLR - 2.05% BLR - 2.00% BLR - 2.00%
Exclusive packages available for financing amount above RM300,000.

Additional terms to the above
  • 'With MRTA' pricing: No pricing differentiation.
  • OD facility: Max MOF 50% @ BLR + 0% p.a.
  • Lock-in Period/Penalty comprises two categories per the following schedule:

Packages Lock-in period
(from 1st disbursement)
Penalty % on
original loan
Min. loan amount
(RM)
NON-ZEC/FEC 5 years First 3 years: 3%
4th - 5th year: 2%
100,000
ZEC 5 years 3% 150,000

All other terms and conditions per the prevailing Mortgage Loans Credit Policy, as updated from time-to-time.

COMPLETED PROPERTIES & UNDER CONSTRUCTION PROPERTIES (Without MRTA) - minimum loan amount not exceeding RM100,000
 
Year Conventional
Under Construction
(% p.a.)
Completed
(% p.a.)
1st  BLR - 4.75% BLR - 3.75%
Thereafter BLR - 0.70% BLR - 0.70%

Additional terms to the above
  • SaveLink, ZEC and FEC packages are not available.
  • 'With MRTA' pricing: No pricing differentiation.
  • OD facility: Max MOF 50% @ BLR + 0% p.a.
  • Lock-in Period: 5 years commencing first disbursement
  • Penalty in event of full settlement during lock-in period: 3% flat on original loan amount subject to minimum of RM5,000.

All other terms and conditions per the prevailing Mortgage Loans Credit Policy, as updated from time-to-time.

 
 
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