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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).
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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.
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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.
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| 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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Or choose a state to locate your
nearest bank branch
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