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
    • Floating Profit Rate
    • 3 years lock in period
    • Up to 95% margin of finance
  • You BorrowEstimated Profit Rate
    up to RM1000005.60% p.a.
    RM100001 - 3000003.20% p.a.
    RM300001 - 5000003.10% p.a.
    more than RM5000013.00% p.a.

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

Apply online now for BSN MyHome-i

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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
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 an Islamic home financing for purchasing a property, whether completed or under construction, refinancing or sub-sale. The monthly instalment of this financing based on variable rate basis, which will fluctuate depending on Effective Profit Rate.

You will also enjoy a rebate, which is the profit rate calculated on the unpaid financing amount, for making an early settlement of your home financing. Subject to approval and your credit background check, BSN can offer financing up to 90% of the property value.

What packages are offered under BSN MyHome-i?

There are 2 packages offered under BSN MyHome-i, namely:

  • BSN MyHome-i (CES Packages)
  • Mortgage Refinancing-i Package

How to repay my monthly instalment?

BSN provides several conventional channels for you to repay your home financing monthly instalment, such as:

  • Over the counter at BSN branches nationwide
  • Standing Instructions / Savings Account
  • Interbank GIRO ( IBG)

Can I fully settle the financing early?

You should know that you need to maintain your monthly instalment payment for a minimum of 5 years, after which you may fully settle your home financing before the end of your tenure by giving a written notice to BSN in advanced. 

The bank will grant you a rebate for the unpaid profit rate of the remaining months.

Are there any major risks I should know?

This home financing is a secured financing, whereby you are securitizing the house which you are purchasing to obtain this financing. If you don’t pay your monthly instalment payment timely, or worst, defaulted on your financing, 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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