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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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| Year |
Conventional/SaveLink HL |
| Non-ZEC/FEC (% p.a.) |
| All tenure |
BLR - 1.80% |
Additional terms to the above
- 'With MRTA' pricing: No pricing differentiation.
- OD facility: Max MOF 50% @ BLR - 0.5% p.a.
- Lock-in Period/Penalty as per the following:
| Package |
Lock-in period
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Penalty % on
original loan |
Min. loan amount
(RM) |
| NON-ZEC/FEC |
5 years |
3% |
100,000 |
All other terms and conditions per the prevailing Mortgage Loans Credit Policy, as updated from time-to-time.
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| Year |
Conventional/SaveLink HL |
| Non-ZEC/FEC (% p.a.) |
| 1st - 3rd |
BLR - 1.70% |
| Thereafter |
BLR - 1.80% |
Additional terms to the above
- 'With MRTA' pricing: No pricing differentiation.
- OD facility: Max MOF 50% @ BLR - 0.5% p.a.
- Lock-in Period/Penalty as per the following:
| Package |
Lock-in period
|
Penalty % on
original loan |
Min. loan amount
(RM) |
| NON-ZEC/FEC |
5 years |
3% |
100,000 |
All other terms and conditions per the prevailing Mortgage Loans Credit Policy, as updated from time-to-time.
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- 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.
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Or choose a state to locate your nearest bank branch
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