Skim Rumah Pertamaku (My First Home Scheme)

Skim Rumah Pertamaku, or My First Home Scheme is initiated by the Government of Malaysia, in collaboration with Bank Negara Malaysia through Cagamas Berhad. The main objective is to assist young adults and first time homebuyers who have just joined the workforce to own a home.

It is now easier to own a home, without having to pay for any deposits or down payment, i.e. homebuyers are able to obtain 100% financing.

Moreover, this scheme is specially for young working adults with individual income of RM5,000 and below.

Terms & Conditions

a) Qualifying Criteria :

 • Malaysian Citizen

 • First time home buyer and must be owner occupied

 • Individuals up to age 35 years old

 • Single borrower income not exceeding RM5,000 per month. Joint borrowers' combined income limit up to RM10,000 per month (subject to individual borrower income not exceeding RM5,000 per month)

 • Financing tenure not exceeding 40 years or age 70 years, whichever is earlier

b) Eligible Properties :

 • Residential properties located in Malaysia inclusive Sabah and Sarawak

 • Minimum property value of RM100,000 to a maximum of RM400,000

 • Applicable for under construction and completed residential properties

 • Remaining leasehold tenure of at least 60 years (for leasehold property only)

Documents Required

 • Copy of NRIC

 • Copy of Salary Slip for the past 3 months

 • Copy of Bank Passbook / statements showing salary income for the last 3 months

 • Copy of Sale and Purchase Agreement (SPA) / Booking receipt

NOTE: Please be advised that the product mentioned above may change from time to time, as the market and industry evolve.

For further information, please call Affin Bank Contact Center Tel: +603 8230 2222, or visit the nearest Affin Bank / Affin Islamic Bank branch today.

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