Property Financing-i (Tawarruq) – Wahdah Home Refinancing

Looking for the best way to lower your house financing monthly installment? Or do you need extra cash for your personal needs? Why not have it all by capitalising on the appreciation value of your house with our Wahdah Home Refinancing.

Apply now  

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


Benefits & Features
  • Refinancing only completed property
  • High margin of financing up to 90% + 10%
  • Financing for:
    • Mortgage Reducing Term Takaful (MRTT) / MLTT (Mortgage Level Term Takaful) – Compulsory
    • Houseowner/Householder Takaful Plan (HOT) – Compulsory (if applicable)Stamp Duty
    • Legal Fees
    • Valuation Fees
  • Tenure Maximum 35 years or age 70, whichever is earlier

    Property Value

    Profit Rate under BR
    @ 3.27% p.a.(Current Base Rate (BR) is 3.27% per annum effective 6
    March 2020)

    • RM100K to less than RM250K
    • More than RM1.5M
    As low as BR + 0.83% (EPR = 4.10% p.a.)
    RM250K to RM1.5M As low as BR + 0.73% (EPR = 4.00% p.a.)
  • No lock in period

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 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
    • Last 6 months’ Bank Statements
    • Latest 3 years Financial Statement
    • Latest B Form
    • Any other supporting income documents
Product Disclosure Sheet Wahdah Home Refinancing-i