Maybank Islamic HouzKEY

Maybank Islamic HouzKEY

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Key Features

  • 100% Financing with no down payment required
  • No payment during construction
  • Lowest monthly payment

Other Features

  • Profit Rate: 2.88% p.a.
  • New Base Rate: 1.75 %
  • Loan Type: Term Loan
  • Lock in Period: 1 year

Eligibility

  • Loan Tenure: Up to 35 Years
  • Margin of Finance: 100% Financing
  • Suitable for: New launches, under-construction and completed properties offered by HouzKEYs partnering developers
  • Only Malaysian citizens between 18-70 years old may apply for Maybank Islamic HouzKEY
  • Must not have more than one home financing at the point of application
  • Up to 3 guarantors allowed

Documents

If you are employed:

  • NRIC / Identity Card
  • Latest 3 months consecutive salary slip
  • Latest EPF statement
  • Latest 3 months bank statements (if non-Maybank crediting salary)

If you are self-employed:

  • NRIC / Identity Card
  • Latest 6 months bank statements
  • Latest consecutive 2 years B/BE Form (with tax receipt)
  • Latest 2 years financial account statement/management account
  • Latest SSM Search

Other supporting documents to strengthen your credit profile:

  • Latest BE Form (with tax receipt)
  • 2 years EA form for non-contractual bonus
  • Employment confirmation letter on fixed bonus
  • 6 months or up to 1-year bank statement or commission /variable allowance/ overtime/ service point vouchers
  • 3 months pension statement
  • Copy of ASB/Tabung Haji reflecting customer’s name and the latest balance
  • Copy of Fixed Deposit certificate
  • Valid tenancy agreement not less than 6 months from expiry or 6 months bank statement showing rental income and property ownership evidence

Fees and Charges

  • Legal Fees and disbursment for SPA: Legal fee as per Solicitor’s Remuneration (Amendment) Order (SRAO) 2017 & disbursement
  • Stamp Duty for SPA: RM10/copy (4 copies to be stamped)
  • Deed of Mutual Covenant: RM10/copy (4 copies to be stamped)
  • Security Deposit: 3 months of refundable security deposit
  • Legal fees and disbursment for Home Financing Agreement: Legal fee as per Solicitor’s Remuneration (Amendment) Order (SRAO) 2017 & disbursement
  • Stamp Duty for Home Financing Agreement: As per First Schedule of item 22(1)(b) of Stamp Act for the original copy and nominal stamp duty of RM10/copy
  • Legal fees and disbursment for Deed of Trust: RM300
  • Stamp duty for Deed of Trust: RM10/copy (4 copies to be stamped)
  • Legal fees for Power of Attorney (PA): RM300
  • Stamp Duty for Power of Attorney: RM10/copy (4 copies to be stamped)
  • Registration fee for Power of Attorney: Registration fee for PA at High Court and Land Office (according to respective states’ requirement)
  • Legal fees for Purchase Undertaking: RM150
  • Stamp Duty for Purchase Understand: RM10/copy (4 copies to be stamped)
  • Notice of Settlement: RM50

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