Sunday, February 17, 2013

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.
 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

1 comment:

  1. baru ni nak beli rumah melalui BSN.. Tp jawapan diterima setelah di proses agak mendukacitakan.. kerana kredit kad isteri tak cantik bayaran untuk 6 bulan seperti mana yg diberitahu.. kenapa susah sangat nak bantu org melayu? Ptutnya tolong org melayu beli rumah.. kalau bukan melayu beli rumah senang nak lulus... birokrasi sangat..

    ReplyDelete

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