My First Home Scheme

A programme to help you own your first home

Up to 100% financing

Repayment period of up to 40 years or age 65, whichever is earlier

For residential properties under construction or completed

Property value between RM100,000 and RM400,000


  • Age 35 and below
  • Malaysians only
  • First-time home buyer
  • Must be an occupant
  • Combined gross monthly income of up to RM6,000 (each not exceeding RM3,000 a month)
  • Permanent staff at current company, employed for at least 6 months

Amount you can borrow

Home Loans
From RM100,000 to 90% of valuation

My First Home Scheme
From RM100,000 – RM400,000

Special Housing Loan Scheme
Up to RM100,000 (EM) and RM120,000 (WM)

Calculate how much you can borrow

Talk to us to find out more

Consult our customer service officers and get free advice for your home loan needs with no obligations.

Find nearest branch to apply

Call us at


1300 88 5000