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).

• 'With MRTA' pricing: No pricing differentiation.
• OD facility: Max MOF 50% @ BLR - 0.5% p.a.
• Lock-in Period/Penalty as per the following:
  
  

• 'With MRTA' pricing: No pricing differentiation.
• OD facility: Max MOF 50% @ BLR - 0.5% p.a.
• Lock-in Period/Penalty as per the following:
  
  

• Non Priority Sector Financing
  
  

  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 
  • 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.
  
  
• Priority Sector Financing
  
  

  Year	Non-ZEC/FEC
  All tenure	BLR - 1.60%

  
  Additional terms to the above
  • 'With MRTA' pricing: No pricing differentiation.
  • Lock-in Period: 5 years 
  • Penalty in event of full settlement during lock-in period: 3% flat on original loan amount subject to minimum of RM3,000.
    
  
  All other terms and conditions per the prevailing Mortgage Loans Credit Policy, as updated from time-to-time.