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 RM1000007.10% p.a.
    RM100001 - 3000004.80% p.a.
    more than RM3000014.70% 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
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

What is BSN MyHome about?

BSN MyHome offers variable and competitive rate financing for purchasing new completed and under-construction residential house, secondhand house, bungalow lot, and also mortgage refinancing.

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

How competitive are the interest rates?

The interest rates vary depending on the types of properties, whether it is completed or under-construction, the loan amount applied, and the borrowing period chosen. You can refer to the table above for interest rates on completed properties. 

Meanwhile, the interest rates structure is slightly different for under-construction properties. If you applied a loan amount above RM100,000, you will be charged a lower spread of 0.45% for the first two years. 

After that, the spread will increase up to 0.70% until the end of your tenure. For loan amount below RM100,000, you will be charged a spread of 3% on the loan.

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 before maturity?

Yes you can. But you have to submit a written notice to BSN to obtain the early settlement amount, after which the payment can be made at any time during working hours and at any of the bank’s branches.

Do I need an insurance coverage?

You are required to sign up for Mortgage Reducing Term Takaful ( MRTA) to protect your interest in the event of death of permanent disability during the loan tenure. Also, you can apply for Houseowner or Fire Insurance to cover for loss and damage to your home and contents. 

You can check out some of the Home Insurance products here at RinggitPlus.

What documents do I need to prepare?

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

For individuals and joint applicant:

  • Latest 3-month salary slip
  • Latest 3-month bank statement
  • Latest EPF statement
  • Employer Confirmation Letter
  • J Form or Latest Income Tax Declaration
  • Latest 6-month bank statement (other income)
  • Copy of Evaluation Report from panel valuer registered with BSN (for completed property).

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