Baiti Home Financing-i for PAPISMA’s Members for Sireh Residence, Kota Bharu, Kelantan
Benefits & Features
- Financing tenure of up to 35 years or age 70, whichever is earlier
- Effective Profit Rate as low as SBR + 1.15% p.a. (EPR = 3.90% p.a.)
- High Margin of financing up to 100% excluding:
- Mortgage Reducing Term Takaful (MRTT) / Mortgage Level Term Takaful (MLTT)
- Stamp Duty
- Legal Fees
- Attractive Deals:
- No lock-in period
- No compounding elements
- No processing fee
- No penalty for early settlement
Eligibility Criteria
- Malaysia citizen
- Not a bankrupt or have any legal action
- Gainfully employed or Profitable business for at least 3 years
- Minimum 1 year good payment track record
Required Document
- Photocopy of identity card
- Sales & Purchase Agreement
- Latest 3 months salary slips
- Latest 3 months salary crediting account statements
- Employer’s Confirmation Letter
- Annual Income Statement/ BE Form / EPF statement
- Any other supporting income documents
- Company / Business Registration
- Lastest 6 months Bank Statements
- Latest 3 years Financial Statements
- Latest B Form
- Any other supporting income documents