Home Financing @ Bank Islam

Baiti Home Financing-i / Wahdah refinancing-i

Choosing the right kind of home with a right kind of house financing product couldn’t be any easier !! With Baiti Home Financing-i, we offer a comprehensive and fully Syariah Compliance Home Financing solution that best meet your financing needs :-   Attractive Terms High Margin Of Financing up to 90% Financing of : Mortgage Reducing Term Takaful (MRTT) Long-Term House Takaful (LTHT) Stamp Duty Legal Fees Valuation Fees Longer Financing Tenure of Up to 40 Years or age 65, whichever is earlier Competitive Financing Rates 20% discount on Stamp Duty for Perfecting The Bank’s Security Documentation No Processing Fees   Wahdah Home Refinancing-i 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-i.  Enjoy 2 months break on your monthly installments with our Payment Holiday features (every November & December) Enjoy No Payment During Construction (NPDC) up to maximum of 2 years for selected residential projects   You are eligible if you are: Age between 18 to 65 years old Resident or Non Resident Not a bankrupt or have any legal action   What we need from you : Photocopy of identity card 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 businessmen : Company / Business Registration Last 6 months’ bank statements Latest 3 years Financial Statement Latest B Form Any other supporting income documents Sales & Purchase Agreement Photocopy of title deed Copy of valuation report by Bank’s panel valuer (if required)   SJKP Housing Scheme This scheme is to cater the purchase of house under the priority sector or below RM100,000 with the following criteria: Age between 18 to 65 years old Non fixed income earner with monthly income of more than RM1,000, or fixed monthly income earner of more than RM1,000 First house financing for own occupancy. Financing amount up to RM100,000. High Margin of Financing up to 100%, including financing for Takaful   Subject to terms & conditions