BSN MyHome-i

No processing fee, competitive profit rates and low monthly payments, BSN ensures that you can move into your new home with peace of mind.

    • Up to 35 years
    • Term Islamic financing
    • Fixed Profit Rate
    • 3 years lock in period
    • Up to 90% margin of finance
  • You BorrowEstimated Profit Rate
    up to RM1000007.10% p.a.
    RM100001 - 3000004.80% p.a.
    more than RM3000014.70% p.a.

    *Effective profit rate will be determined by BSN upon approval.

Apply online now for BSN MyHome-i

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View product disclosure sheet.

Fees & Charges

There are always fees but how much are they?

Late Penalty Fee
1% p.a. of the outstanding amount
Processing Fee
Early Settlement Fee
levied under ZEC package
Redemption Letter Fee
RM50.00 per request
Letter for EPF Withdrawal Fee
RM20.00 per request


Are you eligible for this BSN home financing?

Minimum annual income
Minimum age
21 years old
Maximum age
70 years old
Who can Apply
  • Malaysians

Frequently Asked Questions about BSN MyHome-i

Things you might want to know

Tell me about BSN MyHome-i

BSN MyHome-i is based on Islamic contract of Commodity Murabahah and offers you the opportunity to own your dream house (completed or under construction) at affordable monthly rental rate, which is fixed upfront and throughout the tenor.

You have two options under this home loan: (1) Zero Entry Cost (ZEC), where the bank absorbs all fees associated to your home loan; or (2) Non-Zero Entry Cost (NZEC), where the entry cost is financed by you.

Subject to approval and your credit background check, BSN can offer financing up to 90% of the property value for a maximum tenor of 35 years.

What are the unique features of this product?

If you follow the nation’s annual budgetary announcement, you would notice that there is a 20% discount on stamp duty on all Islamic home financings.

This means you are saving on application cost should you chose this product. You know what else? BSN is waiving the processing fee for BSN MyHome-i so that you can enjoy even greater savings!

Is the same profit rate applied to Non-Zero Entry Cost package?

No, it is not as some of the entry costs are borne by you. For NZEC package, the profit rates will be much lower than the ZEC one.

You borrow Estimated interest rate
Up to RM100,000 BR + 3.00% p.a.
RM100,001 to RM300,000 BR + 0.70% p.a.
RM300,001 and above BR + 0.60% p.a.

BSN current Islamic Base Rate is 3.95%

Can I fully settle the financing after lock-in period?

You may do so by writing a notice to BSN in advanced. The bank will refund you by way of Ibra (rebate), i.e. a reduction in the balance outstanding of the principal loan amount.

Are there any major risks I should know?

You should know by now that your house is pledged against your Islamic mortgage as a mean of security. If you don’t service your monthly rental payment timely, or worst, defaulted, your property will be foreclosed!

What documents do I need to prepare?

Together with your application form, NRIC and Sale & Purchase agreement, you should supplement them with following documents:

If you are an employee earning a salary:

  • Latest EA form or Borang B
  • Latest EPF statement
  • 3-month bank statement
  • Copy of Evaluation Report (for property purchase) from panel valuer registered with the Bank
  • J Form / Latest Income Tax Declaration

If you are self-employed:

  • Latest Borang B
  • Latest 6-month business account statement
  • Latest 6-month personal account statement
  • Latest Profit & Loss account

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