For
1) Acquisition of Residential Property
2) Refinancing

Bai Bithaman Ajil (BBA)

BBA refers to the sale of goods on a deferred payment basis at a price, which includes a profit margin agreed to by both parties.

Minimum RM200,000-00

45 years or up to the age of 75, whichever is earlier

Selling price is capped at maximum profit rate of 10.00% p.a.

Under Construction

1) Landed Property - 24 Months
2) Non-Landed Property - 36 Months

Completed / Refinancing

1) 6 Months

1) Residential Property in approved location
2) For leasehold property, the remaining leasehold period must not less than 45 years
3) All other related terms as per Affin Home Solution

Financing purchase (including subsale) of residential properties (under construction and completed) by Limited Companies.

Bai Bithaman Ajil (BBA)

BBA refers to the sale of goods on a deferred payment basis at a price, which includes a profit margin agreed to by both parties

Minimum: RM500,000-00
Maximum: RM5.0 million

The margin of financing should not exceed 80% of the purchase price.

In the event the financing is for the purchase of more than 1 unit of property, then the margin of financing should not exceed 80% of the total purchase price.

An attempt must be made to cross-collateralise the financing or alternatively, in the case of completed properties, we could structure one facility (if possible) to be secured by all the properties.

Maximum 20 years

Selling price is capped at maximum profit rate of 10.00% p.a.

Under Construction

1) Landed Property - 24 Months
2) Non-Landed Property - 36 Months

Completed / Refinancing

1) 6 Months

Residential Property in approved location

All other related terms as per Affin Home Solution

For properties under construction, the developer and the project must be under the Bank's approved list,otherwise, approval from MLC to be obtained.

All other related financing with the Bank would be included as a group exposure. Approval of the house financing facility would be subject to the existing relevant approving authority for the group exposure.

Acquisition Of Residential Property

Bai Bithaman Ajil (BBA)

BBA refers to the sale of goods on a deferred payment basis at a price, which includes a profit margin agreed to by both parties

Minimum RM42,000-00

Up to 90% inclusive of Mortgage Reducing Term Takaful (MRTT)

25 years or up to the age of 60, whichever is earlier

Selling price is capped at maximum profit rate of 10.00% p.a.

Under Construction

1) Landed Property - 24 Months
2) Non-Landed Property - 36 Months

Completed / Refinancing

1) 6 Months

Taman LTAT, Bukit Jalil Kuala Lumpur

MORTBBA768

1) Combination of House Financing-i and Cash Line-i

2) The ratio of Cash Line-i must not exceed 50% of total financing amount

For
1) Acquisition of Residential Property
2) Refinancing

Bai Bithaman Ajil (BBA)

BBA refers to the sale of goods on a deferred payment basis at a price, which includes a profit margin agreed to by both parties

Minimum RM200,000-00

Minimum RM100,000.00 with minimum Cash Line-i facility of RM50,000.00

1) House Financing-i Maximum up to 45 years or up to the age of 75, whichever is earlier
2) Cash Line-i Equivalent to eligible tenure of House Financing-i, subject to annual review but repayable on demand

Review to be undertaken by Mortgage Dept
- Criteria: Conduct of account (both House Financing-i and Cash Line-i)
- Review Fee on Cash Line-i: Waived

1) House Financing-i Capped at 10.00% p.a.
2) Cash Line-i Capped at 12.00% p.a.

Note:
a) To individually calculate the selling price for House Financing-i and Cash Line-i and thereafter to sum it up
b) There will only be one Selling Price in the Letter of Offer for both House Financing-i and Cash Line-i.

1) Residential Property in approved location
2) For leasehold property, the remaining leasehold period must not less than 45 years
3) All other related terms as per Affin Home Solution

Premier Corporate House Financing-i (House Financing-i)
* Note: Cash Line-i is not allowed

For Financing purchase / Refinancing of residential property to employees of approved Corporate companies by Affin Islamic for the above package.

Bai Bithaman Ajil (BBA)

BBA refers to the sale of goods on a deferred payment basis at a price, which includes a profit margin agreed to by both parties

Minimum RM150,000-00

Minimum RM100,000.00 with minimum Cash Line-i facility of RM50,000.00

Maximum up to 45 years or up to the age of 75, whichever is earlier

Capped at 10.00% p.a.

1) Offered only to the Permanent employee of the approved Corporate Companies
2) Payment capacity to be assessed as per existing approved credit policies and procedures.
3) Refinancing must have a minimum of 1 year good payment track record.

Major town in Klang Valley and all capital cities of states in Malaysia except Kelantan and Terengganu

1) For Business Solicited through Human Resources Department of the Corporate Company there will be no restriction on the list of Developers and Projects, subject to developers and projects are not in the Bank's Negative Lists.
2) For Business Solicited through individual employee of the approved Corporate Company the developer and the project must be under the Bank's approved list*, otherwise to submit to MLC for approval.

*As per Affin Home Solution and Affin Islamic and any updates thereon

By way of salary deduction by employer or transferring of salary by employer to account maintain with Affin Islamic