SYARAT KELAYAKAN PINJAMAN RUMAH (GIRO HOME BSN)

Home Loans

GIRO Home

Benefit from our GIRO Home Loans with low interest rates and various packages for you to choose from!

REQUIREMENTS

>   Malaysian citizen.
>   Age of 21 years old and above (must not exceed 70 years old* at the
      end of financing period).
>   Individual / non-individual applicants.

BENEFITS

>    Loan tenure up to 40 years or not more than 70 years old* at the end of the financing period
      (whichever first).
>    Margin of financing could reach up to 95% (subject to Terms & Condition) upon the    purchase price from the developer
      (inclusive of MRTA).
>    Smart choice - with Zero Moving Cost / Zero Entry Cost that offers a lower rate from the market.
>   Easy to apply - provided at all BSN Main Branch nationwide.

>   Convenient payment channels:
       BSN branches nationwide
     >  Standing Instruction / Savings Account
     > Inter Bank GIRO (IBG)

    Loan options:
     >  Loan for property still under construction.
     >  Loan for completed property.
     >  Refinancing

  Packages offered:

Package	Detail
Second Charge Package	Especially for Government Servants and other Government Agencies entitled for    a home loan.  As an additional loan, in case the existing loan is insufficient.
2 Generations Package	Joint loan consisting of 2 generations parent(s) and child (still in a learning institution    and aged 21 years old and above).  Enjoy a longer loan period.  Children pursuing studies at Diploma level and above and would graduate in three (3)   years time.  Parent still have steady/fix income for a period of five(5) years.
Pembiayaan Perumahan Rakyat	For those who are self-employed. E.g: Fishermen  Unstable household income.  Loans for low cost or average houses for own residence.
Islamic Banking	Financing package based on Islamic principles.
Corporate Employees Financing

Note:
       Eligibility for age limit of 70 years old is subject to Bank's Terms &
         Conditions.

RATE

Amount	Period	Interest
		Completed Property		Property Under Construction
		Zero Moving Cost (ZMC)	Non Zero Moving  Cost (NZMC)	Zero Moving Cost (ZMC)	Non Zero Moving  Cost (NZMC)
≤RM 100,000	Throughout loan period	NIL	BLR - 0.00%	NIL	BLR - 0.00%
>RM100,000 until ≤RM250,000	Year 1 - 2	NIL		4.40%	4.20%
	Subsequent years	BLR - 2.00%	BLR - 2.15%	BLR - 2.00%	BLR - 2.15%
>RM250,000	Year 1 - 2	NIL		4.00%	3.80%
	Subsequent years	BLR - 2.10%	BLR - 2.20%	BLR - 2.10%	BLR 2.20%

  Priority Sector (Property: RM60,000 - Peninsular Malaysia / RM72,000 - Sabah & Sarawak

Interest
BLR + 1.75%

Note:
       Current BLR at 6.55% (subject to change).

Sumber dari :http://www.mybsn.com.my/content.xhtml?contentId=145