Property Financing-i (Tawarruq) – Baiti Home Financing-i

Home is where the heart is. Getting your dream is just a few steps away. Let us help you realise your dream home into a reality with our attractive financing terms with our Baiti Home Financing-i Facility.

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or contact our Call Center at 03-26 900 900.

Benefits & Features
  • Under construction / completed house
  • High Margin of financing up to 90% excluding:
    • Mortgage Reducing Term Takaful (MRTT) / Mortgage Level Term Takaful (MLTT) – (compulsory)
    • HOT (Houseowner/Householder Takaful Plan) – (if applicable)
    • Stamp Duty
    • Legal Fees
    • Valuation Fees
  • Financing Tenure of up to 35 years or age 70, whichever is earlier
  • No lock-in period
  • No compounding elements
  • No processing fee
  • No penalty for early settlement

    Property Value

    Current Standardised Base Rate (SBR)
    is 2.75% per annum effective 10 July 2025)
    RM300,000 and below As low as SBR + 0.95% p.a. (EPR = 3.70% p.a.)
    Above RM300,000 As low as SBR + 0.80% p.a. (EPR = 3.55% p.a.)

Eligibility Criteria
  • Malaysian Citizen
  • Age 18 and above
  • 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
  • For salary earners:
    • 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
  • For Self Employed / Businessmen:
    • Company / Business Registration
    • Latest 6 months Bank Statements
    • Latest 3 years Financial Statements
    • Latest B Form
    • Any other supporting income documents

 


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Bank Islam – LPPSA Scheme

Benefits & Features
  • Under construction / completed property
  • Financing Up to 40% of the SPA price or Current Market Value
  • Financing for:
    • MRTT (Mortgage Reducing Term Takaful) / MLTT (Mortgage Level Term Takaful) – Compulsory
    • Stamp Duty
    • Legal Fees
  • Tenure Maximum 35 years or age 70, whichever is earlier
Special Condition

Property Category

  • Landed or Non-Landed with Individual Tile of Strata. Properties under Master Title is Not Eligible
Documentation Solicitor
  • To choose the same solicitor with LPPSA
  • To ensure LPPSA solicitor is on our panel
Eligibility Criteria
  • Malaysian citizen
  • Spouse or Children of government staff or the government staff him/herself
  • Applicant must be one of the purchasers in the Sales Purchase Agreement
Required Document
  • As per Baiti Home Financing-i
Additional Documents
  • Letter of Offer (LO) from LPPSA
  • ‘Laporan Nilaian Pinjaman Perumahan’ from JPPH