Hong Leong Bank

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.

    • Up to 30 years
    • Term loan
    • Floating Interest Rate
    • 3 years lock in period
    • Up to 100% margin of finance
  • You BorrowEstimated Interest Rate
    up to RM990005.85% p.a.
    RM100000 - 1990004.75% p.a.
    RM200000 - 3990004.65% p.a.
    up to RM4000004.55% p.a.

    *Effective interest rate will be determined by Hong Leong Bank upon approval.

Apply online now for Hong Leong Skim Rumah Pertamaku

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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
No Fee
Early Settlement Fee
Subject to terms of agreement with bank
Redemption Letter Fee
RM53.00 per request
Letter for EPF Withdrawal Fee
RM21.20 per request
Cancellation Fee
RM2000 for cancellation before loan disbursement
Insurance Types
  • MRTT
  • MRTA

*inclusive of 6% GST


Are you eligible for this Hong Leong Bank home loan?

Minimum annual income
Minimum age
24 years old
Maximum age
35 years old
Who can Apply
  • Malaysians

Frequently Asked Questions about Hong Leong Skim Rumah Pertamaku

Things you might want to know

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 RM400,000. 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

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