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Interest Payment Option
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Interest Payment Option (IPO) features the combination of SaveLink HL and interest servicing (similar to the nature of OD) for the first 5 years from first disbursement or 3 months from the Letter of Offer date, whichever is earlier.

SAVELINK IPO (with MRTA)
 

Completed Properties

Loan amount up to RM400,000:
Year SaveLink IPO (new)
Non-ZEC/FEC
(% p.a.)
ZEC
(% p.a.)
1st to 2nd BLR - 1.80% BLR - 1.20%
3rd to 5th BLR - 1.80% BLR - 1.20%
Thereafter BLR - 1.80% BLR - 1.80%
Exclusive packages available for financing amount above RM400,000.

Additional terms to the above
  • Minimum residential property value/purchase price: RM100,000
  • Minimum loan tenure: 15 years (inclusive of Interest period). Maximum age at loan approval is 50 years.
  • Interest period/first year rate: 5 years from first disbursement or 3 months from LOF date whichever is earlier.
  • Repayment tenure: Based on loan tenure applied less interest period.
  • 'Without MRTA' pricing: Plus additional 0.05% p.a. on across all tiers.
  • 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
IPO Under Construction 5 years 3% 100,000
IPO Completed 3 years 3% 100,000
 
ZEC
IPO Under Construction 5 years 3% 150,000
IPO Completed 5 years 3% 150,000
 
 
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