RHB My1 First Home Loan

Free processing and no monthly fees mean you can lower your home loan repayments and save money for the things you've always wanted to do.

    • Up to 35 years
    • Semi-Flexi loan
    • Floating Interest Rate
    • 5 years lock in period
    • Up to 100% margin of finance
    • 30 days approval
  • You BorrowEstimated Interest Rate
    RM100000 - 5000004.65% p.a.

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

Apply online now for RHB My1 First Home Loan

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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
Withdrawal Fee
RM53.00 for each withdrawal
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
Insurance Types
  • MRTA

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


Are you eligible for this RHB home loan?

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

Frequently Asked Questions about RHB My1 First Home Loan

Things you might want to know

What is RHB My1 First Home Loan?

RHB My1 First Home Loan offers a variable interest rate pegged to the Base Rate ( BR) providing you with a fully flexible mortgage - the Base Rate has replaced the BLR in early 2015. You can also make additional payments on top of your regular monthly installment to reduce your loan principal and save on the total amount of interest that you pay.

RHB will be able to finance your home purchase for up to 100% of your property's market value, for a maximum tenure of up to 35 years or age 65 whichever is earlier. 

Do I need to purchase any insurance with this mortgage?

Yes, you do. Fire Insurance policy is compulsory and the premium is payable once a year. If your loan amount is less than RM100,000, then MRTA is compulsory. If your loan amount is more than RM100,000 then MRTA is optional, but advisable.

What do I need to apply for this home loan?

If you are an employee earning a salary

A copy of Sale and Purchase Agreement or Booking Receipts
A copy of your identification card (front and back) or passport (first page)
Latest 3 months salary slip
Latest 3 months salary crediting statement
Latest EPF statement
Latest BE Form + Tax payment receipt

If you are self-employed

Sole Proprietor & Partnership – Form A & D
Private Limited – Form 24 & 49
Latest Form B + Tax payment receipt
Latest 6 months current account statement 

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