Maybank Skim Rumah Pertamaku

Owning a house is no longer beyond your reach! Get your first home without saving up for a downpayment, pay minimal fees, and high borrowing limit.

    • Up to 35 years
    • Term Islamic financing
    • Floating Profit Rate
    • 3 years lock in period
    • Up to 100% margin of finance
  • You BorrowEstimated Profit Rate
    RM100000 - 3000003.20% p.a.
    RM301000 - 4000003.05% p.a.

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

Apply online now for Maybank Skim Rumah Pertamaku

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Maybank Skim Rumah Pertamaku

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to Maybank website

If you have any questions let us know at [email protected], we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

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
1% Subject to terms of agreement with bank
Redemption Letter Fee
RM50.00 per request
Letter for EPF Withdrawal Fee
RM10.00 per request
Insurance Types
  • MRTA
  • MRTT


Are you eligible for this Maybank home financing?

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

Frequently Asked Questions about Maybank Skim Rumah Pertamaku

Things you might want to know

What do I need to know about Maybank Skim Rumah Pertamaku?

The Skim Rumah Pertamaku (SRP) or My First Home Scheme was launched by the Malaysian government in 2011 to help young adults to own their very first home. With property prices rising by the day, the government has offered a housing loan package with no downpayment, minimal set-up fees, and low income requirements.

How do I meet the requirements for this Maybank loan?

This Maybank home loan is designed especially for those with an income of less than RM5,000 a month. For joint borrowers, say you want to get a loan with your wife or husband, your total monthly income shouldn't exceed RM10,000, assuming both individual incomes should be no more than RM5,000 per month.

Other than that, the property that you are planning to finance must be your first home and not used for investment purposes such as renting out to other people. To fully own it, you must live in it!

What is the range of financing amount?

With 100% margin of financing, you can borrow up to the whole selling price of your new home, subject to a minimum borrowing amount of RM100,000 up to a maximum of RM400,000. You won't have to save up for a downpayment, just make sure you pay your monthly instalments.

Is there a lock-in period and early settlement fee?

Yes and no. If you're taking up conventional home loan, there's a lock-in period of 3 years. On the other hand, if you take up an Islamic mortgage, you won't be subjected to one . Since there's lock-in period of 3 years for a conventional mortgage, you are not advised to settle the loan early as you will be charged an early settlement fee.

A little tip for Maybank first home buyer – if you think you're able to settle the mortgage loan within 3 years, you can consider to take up Maybank Islamic My First Home Scheme. However, you will have to adhere to Syariah principles.

Do I need to buy insurance or takaful for my house?

It is compulsory for you to purchase fire insurance or fire takaful. In addition to that, the Mortgage Reducing Term Assurance ( MRTA) is also compulsory in order to be approved for this housing loan.

Read More