Hong Leong Skim Rumah Pertamaku

Hong Leong is making home ownership easier with fast approvals! Get up to 100% financing for young working adults looking to own their first property.

Hong Leong Skim Rumah Pertamaku
Up to 30 years
Interest Rate
from 4.55% p.a.
Loan type
Term loan
Interest Type
Floating interest rate
Lock In Period
3 years
Margin of finance
up to 100%

Interest Rate

The interest paid based on the home loan amount borrowed

You borrowEstimated Interest Rate
up to RM99,0005.85% p.a.
RM100,000 - RM199,0004.75% p.a.
RM200,000 - RM399,0004.65% p.a.
up to RM400,0004.55% p.a.
*Effective interest rate will be determined by Hong Leong Bank upon approval.


Minimum Annual Income
Minimum Age
  • 21 to 40 years old
Who can apply
  • Malaysians

Fees & Charges

Late Penalty Fee
1% p.a. p.a. of the outstanding amount
Processing Fee
Early Settlement Fee
Subject to terms of agreement with bank
Redemption Letter Fee
RM50 per request
Letter for EPF Withdrawal Fee
RM20 per request
Cancellation Fee
RM2000 for cancellation before loan disbursement
Insurance Types
  • MRTT
  • MRTA

More Information

What is Hong Leong Skim Rumah Pertamaku?

This is a scheme announced by the Government in 2011 Budget to assist young working adults earning to realize the dream of owning their own piece of property. With the scheme, buying your first house on your own can become a reality. With Skim Rumah Pertamaku, you will be given up to 100% financing - that's the full price!

Hong Leong Skim Rumah Pertamaku is designed for first time home buyer of a residential property worth a minimum of RM100,000 up to a maximum of RM500,000. You will be able to stretch your payments for as long as 30 years.

You said young adults, but what are the requirements?

All Malaysians younger than 35 years old with a monthly income of no more than RM3,000 a month are eligible to apply this scheme. Additionally, applicants must be a confirmed employee with minimum employment of 6 months with the same employer.

However, all your existing debt repayment with financial institutions must not be more than 60% of your monthly income after deductions such as EPF and SOCSO.

Do I still need to pay down payment with 100% financing?

You would required to pay a deposit or booking fee to the seller according to the terms of your Sale and Purchase Agreement - good news is, that amount will be reimbursed back to you from Hong Leong Bank when all the documentation is completed.

However, if you don't  have enough to pay up the amount, you can try to make a new arrangement with the seller if he or she is willing to accommodate.

Do I require homeowner's insurance?

If you wish to take up Skim Rumah Pertamaku with Hong Leong Bank, it is compulsory to purchase fire insurance to secure your house against well, fire (or an arsonist!) It is highly recommended that you take up fire insurance together with MRTA/MRTT for complete protection.

Income Documents required:

Exclusively for salaried employee:

  • Latest 3 months salary slips
  • Latest Borang BE (supported by tax payment receipt)
  • Latest EPF statement
  • Latest 3 months bank statement / saving passbook
  • Letter of employment

Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product