Benefits & Features
  • This scheme is to finance the purchase of residential property for own occupation up to RM500,000
  • Under construction / completed house
  • High Margin of financing up to 100% + 10% for Takaful:
    • MRTT/MLTT – Mortgage Reducing Term Takaful/ Mortgage Level Term Takaful
    • HOT – Houseowner/Householder Takaful Plan
  • Profit Rate as low as SBR + 1.15% p.a.(EPR = 3.90% p.a.)
    (Current Standardised Base Rate (SBR) is 2.75% per annum effective 4 November 2022)
  • 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

Eligibility criteria
  • Malaysian Citizen
  • Age 18 and above
  • First time home buyer and salaried worker. Civil servants shall also be eligible
  • Not a bankrupt or have any legal action
  • No record of impairment for the last 12 months as per applicant’s CCH (formerly known as CCRIS)
  • Total gross salary not exceeding RM10,000 (individual or joint applicant)
  • To complete the Online financial education module provided by AKPK at

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

Product Disclosure Sheet Baiti Home Financing-i
Product Disclosure Sheet Baiti Home Financing-i (Malay Version)