BSN MyHome

If buying a dream home is the next step in your life, BSN will help make it happens for you with this conventional home loan and low interest rates

    • Up to 35 years
    • Term loan
    • Floating Interest Rate
    • 5 years lock in period
    • Up to 90% margin of finance
  • You BorrowEstimated Interest Rate
    up to RM1000003.95% p.a.
    RM100001 - 3000005.05% p.a.
    more than RM3000014.95% p.a.

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

Apply online now for BSN MyHome

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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
levied under ZEC package
Redemption Letter Fee
RM53.00 per request
Letter for EPF Withdrawal Fee
RM21.20 per request

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this BSN home loan?

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

Frequently Asked Questions about BSN MyHome

Things you might want to know

An easy to apply housing loan with interest rate among the lowest in the market that allows you to purchase your dream house effortlessly.

Is this BSN MyHome with ZEC plan?

Yes, it is. BSN MyHome with ZEC option offers variable and competitive interest rate tiered according to the amount which you’d like to borrow. Under this plan, you let the bank handle all cost associated to moving into your new house.

Depending on your loan approval, BSN can provide financing up to 90% of the property value (completed or under construction) for a maximum tenor of 35 years, or when you reached 70 years old, whichever comes first.

What about the interest rate on Non-Zero Entry Cost package?

For NZEC package, the interest rates will be much lower than the ZEC one because you are opting out from allowing the bank to cover the entry cost for you. Below are rates for NZEC package:

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 Base Rate is 3.95%

How to repay my monthly instalments?

There are 2 straightforward ways you can choose from: (1) you can walk in to any BSN branches and pay it over-the-counter; or (2) you can manage it online via Standing Instruction or InterBank Giro.

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

Absolutely. The bank will refund you by way of rebate, i.e. a reduction in the balance outstanding of the principal loan amount.

Are there any major risks I should know?

As the interest rate is pegged to the bank’s Base Rate, any drastic movement in the reference rate could change your monthly instalment amount, resulting you to pay higher and longer.

If you triggered a non-payment event, the bank will increase the interest rate further, making it more difficult for you to commit. Should you defaulted, your property will be foreclosed!

What documents do I need to prepare?

The main documents you are required to submit are BSN MyHome application form, your NRIC and Sale & Purchase agreement. You should also supplement them with the following documents:

If you are an employee earning a salary:

  • Latest EA form or Borang B
  • Latest EPF statement
  • 3-month bank statement

If you are self-employed:

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

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