Shophouse Financing-i / Refinancing-i Facility for Professional Program

Discover our attractive profit rates for your business growth or why don’t you secure a business premises before the property market further increases? Plus, you can also save on your monthly commitments through debt consolidation or even spend on your business equipment purchases! Anything your business requires, we offer one solution that fits all.

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


Benefits & Features
  • Under construction / completed Shophouse
  • Refinancing of completed Shophouse (Min financing amount : RM100,000)
  • Owner Occupied : Up to 80% against OMV/SPA + 5% (MRTT/MLTT)
  • Investment : Up to 70% against OMV/SPA (including MRTT/MLTT)
  • Minimum 5 years
  • Maximum 20 years or age 65, whichever is earlier
  • No lock in period
  • Effective Profit Rate from 3.90% p.a (Current Base Rate (BR) is 2.77% per annum effective 12 May 2020)

Eligibility criteria
  • Malaysian Citizen
  • Age 25 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
  • AMOR 70% and MOR 35%
  • No adverse CCH / CTOS record

Required documents
  • Photocopy of identity card
  • Sales & Purchase Agreement (SPA) / Booking Receipt
  • Degree Certificate in related field of professionals
  • Relevant Professional Certificates or Annual Practicing Certificate
  • For Self-Employed / Businessmen:
    • Company / Business Registration / License / Permit
    • Last 6 months Bank Statements
    • Any other supporting documents – Networth (Fixed Deposits, Savings or List of Investment)
    • Form BE / Form B

  • For Fixed Income Earner:
    • Latest 3 months salary slips / E-payslip (for government servant)
    • Latest 3 months salary crediting account statements
    • Annual Income Statement/BE Form/EPF Statement
    • Employer’s Confirmation Letter /HRMIS (for government servant)

     

Product Disclosure Sheet Shophouse Financing-i / Refinancing-i