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HOME CONVENTIONAL &
ISLAMIC FINANCING HOME CONVENTIONAL &
ISLAMIC FINANCING
MORTGAGE
PRODUCTS YEAR 2011
COMMERCIAL PROPERTY A Subsidiary of the EPF (9417-K)
MORTGAGE
PRODUCTS YEAR 2011
RESIDENTIAL PROPERTY A Subsidiary of the EPF (9417-K)
Your Financial Provider Your Financial Provider
PRODUCT PACKAGE 1 - SUB SALE PACKAGE 2 - REMORTGAGE/REFINANCING PACKAGE 3- PURCHASE FROM DEVELOPER PRODUCT PACKAGE 1 - SUB SALE PACKAGE 2 - REMORTGAGE/REFINANCING PACKAGE 3 - PURCHASE FROM DEVELOPER
TYPE &
”MBSB 2GET– Ready shop” ”MBSB 2GET– Ez shop” ”MBSB 2GET– Own shop” TYPE &
”MBSB 2S– Ready home” ”MBSB 2R– Ez home” ”MBSB 2GO– Own home”
PACKAGES ”MBSB 2GET– Ready shop-i” ”MBSB 2GET– Ez shop-i” ”MBSB 2GET– Own shop-i” PACKAGES ”MBSB 2S– Ready home-i” ”MBSB 2R– Ez home-i” ”MBSB 2GO– Own home-i”
TYPE OF Commercial Property - Completed Commercial Property - Completed Commercial Property - Under Construction TYPE OF Residential Property - Completed Residential Property - Completed Residential Property - Under Construction
FINANCE (Landed & Non Landed) (Landed & Non Landed) (Landed & Non Landed) FINANCE (Landed & Non Landed) (Landed & Non Landed) (Landed & Non Landed)
LOAN A B C A B C A B C LOAN A B C A B C A B C
AMOUNT 300K-499K 150K-299K Below RM150K 300K-499K 150K-299K Below RM150K 300K-499K 150K-299K Below RM150K AMOUNT 300K-499K 150K-299K Below RM150K 300K-499K 150K-299K Below RM150K 300K-499K 150K-299K Below RM150K
(RM) (RM)
Up to 80% of SPA/OMV whichever Up to 70% of SPA/ Up to 75% of SPA/OMV whichever Up to 80% of SPA Up to 95% of SPA/OMV whichever Up to 90% of SPA/ Up to 90% of SPA/OMV whichever Up to 95% of SPA
is lower. OMV whichever is lower. is lower. OMV whichever is lower.
is lower. is lower.
MARGIN OF MARGIN OF
FINANCING Up to 85% of SPA/OMV whichever is Up to 75% of SPA/ Up to 80% of SPA/OMV whichever Up to 85% of SPA, if inclusive Up to 100% of SPA/OMV whichever Up to 95% of SPA/ Up to 95% of SPA/OMV whichever Up to 100% of SPA, if inclusive
FINANCING
lower, if inclusive of other OMV whichever is is lower, if inclusive of other of other incidentals. is lower, if inclusive of other OMV whichever is is lower, if inclusive of other incidentals. of other incidentals.
incidentals. lower, if inclusive incidentals. incidentals. lower, if inclusive
of other of other
incidentals. incidentals.
CONVENTIONAL CONVENTIONAL CONVENTIONAL CONVENTIONAL CONVENTIONAL CONVENTIONAL
ECOF – 0.50% ECOF + 0% ECOF + 1.0% ECOF – 0.50% ECOF + 0% ECOF +1.0% ECOF – 0.50% ECOF + 0% ECOF + 1.0% ECOF – 0.90% ECOF – 0.80% ECOF + 0.50% ECOF – 0.90% ECOF – 0.80% ECOF +0.50% ECOF – 0.90% ECOF – 0.80% ECOF + 0%
(entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure)
INTEREST / (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) INTEREST / (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%)
PROFIT RATE PROFIT RATE
(PRINCIPAL ISLAMIC ISLAMIC ISLAMIC (PRINCIPAL ISLAMIC ISLAMIC ISLAMIC
ACCOUNT) ACCOUNT)
BFR – 0.50% BFR + 0% BFR + 1.0% BFR – 0.50% BFR + 0% BFR + 1.0% BFR – 0.50% BFR + 0% BFR + 1.0% BFR – 0.90% BFR - 0.80% BFR + 0.50% BFR – 0.90% BFR - 0.80% BFR + 0.50% BFR – 0.90% BFR - 0.80% BFR + 0%
(entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure)
(BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30%
(ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%)
capped at 11%) capped at 11%) capped at 11%) capped at 11%) capped at 11%) capped at 11%) capped at 11%) capped at 11%) capped at 11%) capped at 11%) capped at 11%) capped at 11%) capped at 11%) capped at 11%) capped at 11%)
AMOUNT OF AMOUNT OF
X-TRA LINE RM70,000 RM50,000 NIL NIL NIL NIL RM70,000 RM50,000 NIL X-TRA LINE RM50,000 RM30,000 NIL NIL NIL NIL RM50,000 RM30,000 NIL
FACILITY FACILITY
GRANTED GRANTED
CONVENTIONAL CONVENTIONAL CONVENTIONAL CONVENTIONAL CONVENTIONAL CONVENTIONAL
ECOF +1.0% ECOF + 1.0% ECOF +1.0% ECOF + 1.0% ECOF +1.0% ECOF + 1.0% ECOF +1.0% ECOF + 1.0%
(entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure) (entire tenure)
NIL NIL NIL NIL NIL NIL NIL NIL NIL NIL
INTEREST / INTEREST /
PROFIT RATE (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%) (ECOF @ 6.30%)
PROFIT RATE
(2nd (2nd
ACCOUNT) ISLAMIC ISLAMIC ISLAMIC ISLAMIC ISLAMIC ISLAMIC
ACCOUNT)
BFR +1.0% BFR + 1.0% BFR +1.0% BFR +1.0% BFR +1.0% BFR + 1.0% BFR +1.0% BFR +1.0%
(entire tenure) (entire tenure) NIL NIL NIL NIL (entire tenure) (entire tenure) NIL (entire tenure) (entire tenure) (entire tenure) (entire tenure)
NIL NIL NIL NIL NIL
(BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30% (BFR @ 6.30%
capped at 11%) capped at 11%) capped at 11%) capped at 11%) capped at 11%) capped at 11%) capped at 11%) capped at 11%)
LEGAL FEES Financing is available, subject to a total margin LEGAL FEES Subsidized Legal Subsidized Legal Financing is available, subject to a total margin
Borne by customer Borne by customer Zero Entry Cost Zero Entry Cost of nancing not exceeding 100% of SPA
of nancing not exceeding 85% of SPA Fees Fees
VALUATION VALUATION Borne by Borne by
Borne by customer Borne by customer Not Applicable Borne by MBSB Borne by MBSB Not Applicable
customer customer
LOAN TENURE • UP TO 20 YEARS OR APPLICANT’S AGE OF 60 WHICHEVER IS EARLIER LOAN TENURE • UP TO 30 YEARS OR APPLICANT’S AGE OF 65 WHICHEVER IS EARLIER
INSURANCE • MORTGAGE REDUCING TERM ASSURANCE (MRTA): Compulsory INSURANCE • MORTGAGE REDUCING TERM ASSURANCE (MRTA/MRTT): Compulsory
COVERAGE • PERSONAL ACCIDENT (PA): Compulsory COVERAGE • PERSONAL ACCIDENT (PA): Compulsory
WILL WRITING • Compulsory WILL WRITING • Compulsory
PROCESSING • 0.15% based on loan amount PROCESSING • Waived
FEES FEES
LOCK IN LOCK IN
• 5th Anniversary date of full disbursement • 5th Anniversary date of rst disbursement
PERIOD PERIOD
Prepayment & Full Settlement i. Prepayment
PENALTY PENALTY No penalty on prepayments within lock in period (Upon implementation of daily rest calculation, the clause is no longer applicable)
RATE FOR 3 months prior written notice is given (in lieu of which 3 month interest shall be levied at the prescribed rate) subject to prepayment penalty of 3.5% on RATE FOR
REPAYMENT every amount prepaid or a penalty of RM6,000 whichever is higher, if the prepayment is made before the 5th anniversary date of full disbursement REPAYMENT ii. Full Settlement
1 month prior written notice is given (in lieu of which 1 month interest shall be levied at the prescribed rate) subject to prepayment penalty of 3.5% on
every amount prepaid or a penalty of RM6,000 whichever is higher, if the prepayment is made before the 5th anniversary date of rst disbursement
BENEFIT • To extend all benefits and programs under TemanKu Card to Mortgage customers. (Optional) BENEFIT • To extend all benefits and programs under TemanKu Card to Mortgage customers. (Optional)
Subject to changes. Subject to changes.
Terms and conditions apply. Terms and conditions apply.
CUSTOMERS INFORMATION Name _______________________________________ My Monthly Income: CUSTOMERS INFORMATION Name _______________________________________ My Monthly Income:
Please call me at: ______________________________ (mobile)
❑ Below RM1,000 ❑ RM1,000 - RM3,000
Please call me at: ______________________________ (mobile)
❑ Below RM1,000 ❑ RM1,000 - RM3,000
______________________________ (o ce)
❑ RM3,000 - RM7,000 ❑ RM7,000 and above
______________________________ (o ce)
❑ RM3,000 - RM7,000 ❑ RM7,000 and above
Purchase Price of Property: Purchase Price of Property:
______________________________ (residence) ______________________________ (residence)
Fax no : ______________________________________ ❑ Above RM500,000 ❑ Between RM500,000 -
RM150,000 Fax no : ______________________________________ ❑ Above RM500,000 ❑ Between RM500,000 -
RM150,000
Email : ______________________________________ ❑ Below RM150,000 Email : ______________________________________ ❑ Below RM150,000
Please tick ( ) where applicable Please tick ( ) where applicable
Branch Network
MORTGAGE
A Subsidiary of the EPF (9417-K)
NORTHERN CENTRAL Melaka Kemaman Bintulu Your Financial Provider
Kangar Leboh Ampang Plots 203 & 204 No. K-10723 Ground Floor,
Lot G.05, Podium Block Bangunan MBSB Projek Melaka Raya Taman Chukai Utama Lot 4124
Bangunan KWSP Pusat Bandar Jalan Taman Jalan Kubang Kurus Jalan Tun Ahmad Zaid
Jalan Seruling 13/15 Leboh Ampang Off Jalan Bandar Hilir 54000 Kemaman, Terengganu Jalan Kambar Bidin
01000 Kangar, Perlis 50100 Kuala Lumpur 75000 Melaka Tel : 09-858 9490 97000 Bintulu, Sarawak
Build Your
Tel : 04-976 6400 Tel : 03-2031 9599 Tel : 06-282 8255 Fax : 09-858 9402 Tel : 086-336 400
Fax : 04-977 4141 Fax : 03-2031 9526 Fax : 06-284 7270 Fax : 086-339 400
EAST MALAYSIA
Dream Home
Alor Star Damansara Muar Kuching Sibu
1578, Jalan Kota Ground Floor 13-3 &13-4, Ground Floor Ground Floor & 1st Floor Ground Floor, SL 166
05000 Alor Star, Kedah Wisma MBSB Jalan Sisi, 84000 Muar Tunku Muhammad Lorong Pahlawan 7B3
with MBSB
Tel : 04-731 4655 48, Jalan Dungun Johor Al Idrus Building Jalan Pahlawan
Build Your
Fax : 04-731 7996 Damansara Heights Tel : 06-953 2000 439, Jalan Kulas Utara 1 96000 Sibu, Sarawak
50490 Kuala Lumpur Fax : 06-953 3200 93400 Kuching, Sarawak Tel : 084-210 703
PRODUCTS
Sungai Petani Tel : 03-2096 3333 Tel : 082-248 240 Fax : 084-210 714
114, Jalan Pengkalan Fax : 03-2096 3337 Batu Pahat Fax : 082-248 611
Taman Pekan Baru 37-4, Jalan Rahmat REPRESENTATIVE
Dream Home
08000 Sungai Petani, Kedah Cheras 83000 Batu Pahat, Johor Miri OFFICE
Tel : 04-422 9302 185, Jalan Sarjana Tel : 07-431 6614 1115, Ground Floor Kota Bharu
Fax : 04-421 2046 Taman Connaught Fax : 07-431 7382 Pelita Commercial Centre Lot 364, 1st Floor
56000 Cheras 98000 Miri, Sarawak Wisma Watan
Kulim Kuala Lumpur Kluang Tel : 085-424 400 Jalan Sultan Yahya Petra
with MBSB
No. 26, Jalan Raya Tel : 03-9132 2955 6, Lot 9053 Fax : 085-424 141 15000 Kota Bharu
09000 Kulim, Kedah Fax : 03-9132 2954 Jalan Haji Manan Kelantan
Tel : 04-495 1400 86000 Kluang, Johor Kota Kinabalu Tel : 09-741 8620
Fax : 04-490 4400 Petaling Jaya Tel : 07-771 7585 Ground Floor, 11 & 12 09-741 8621
No. 3, Jalan 52/16 Fax : 07-772 6572 Block C Fax : 09-741 8619
Penang 46200 Petaling Jaya Lintas Jaya Uptown Ship
No. 119, Jalan Macalister Selangor Tebrau 88300 Kota Kinabalu Temerloh
10400 Georgetown, Penang Tel : 03-7956 9200 No. 17 & 17 -1 Sabah No.8, Ground Floor
Tel : 04-226 6275 Fax : 03-7956 9627 Jalan Mutiara Emas 9/3 Tel : 088-711 501/717 501 Jalan Dato’ Bahaman 2
Fax : 04-228 6275 Austin Boulevard Fax : 088-713 503 28000 Temerloh, Pahang
Klang Taman Mount Austin Tel : 09-290 1626
Butterworth 74, Jalan Kapar 81100 Johor Bahru Sandakan 09-290 1627
2783, Jalan Chain Ferry 41400 Klang, Selangor Johor Lot 38, Block E Fax : 09-290 1763
Taman Inderawasih Tel : 03-3342 6822 Tel : 07-358 1700 Bandar Utama Mile 6
13600 Prai, Penang Fax : 03-3341 3611 Fax : 07-358 1703 90000 Sandakan, Sabah Dungun
Tel : 04-398 0145 Tel : 089-223 400 1st Floor, No. 20, Block E
Fax : 04-398 0898 Selayang Johor Bahru Fax : 089-223 544 Sura Gate Business Centre
95, Jalan 2/3A 1st & 2nd Floor Jalan Besar Sura Gate
Ipoh Pusat Bandar Utara Bangunan KWSP Tawau 23000 Dungun, Terengganu
45, Persiaran Greenhill 68100 Batu Caves, Selangor Jalan Dato’ Dalam Ground Floor Tel : 09-842 2611
30450 Ipoh, Perak Tel : 03-6136 8682 80000 Johor Bahru TB 4535, Lot 60 09-842 2612
Tel : 05-254 5659 Fax : 03-6136 8679 Johor Ba Zhong Commercial Centre Fax : 09-842 2610
Fax : 05-254 4748 Tel : 07-223 8977 Jalan Tawau Lama
Bandar Baru Bangi Fax : 07-224 0143 91000 Tawau, Sabah MBSB 2GET– Ready Shop
Taiping 195 & 195A, GF & 1st Floor Tel : 089-755 400 MBSB 2GET– Ready Shop-i
No. 82, Jalan Barrack
34000 Taiping, Perak
Jalan Seksyen 8/1, Seksyen 8
43650 Bandar Baru Bangi
EAST COAST
Kuantan
Fax : 089-749 400
MBSB 2GET– LOAN TENURE
Tel : 05-807 4000 Selangor A157-A159 Own shop-i Up to 20 Years
Fax : 05-804 1444 Tel : 03-8925 7584
Fax : 03-8925 7708
Sri Dagangan, Jalan Tun Ismail
25000 Kuantan, Pahang
BORNE by MBSB MRTA Compulsory
Sitiawan Tel : 09-515 7677 Conventional & MBSB 2GET– Ez shop
Ground & 1st Floor SOUTHERN Fax : 09-514 5060 ISLAMIC Financing MBSB 2GET– Ez Shop-i
MORTGAGE
MORTGAGE
No. 35, Persiaran PM3/2 Seremban
Pusat Bandar Seri Manjung S-1, Kompleks Negeri Kuala Terengganu MBSB 2GET– Own Shop COMMERCIAL VALUATION
Seksyen 3, 32040 Manjung Jalan Dato’ Bandar Tunggal 1A, Jalan Air Jernih
PA Compulsory Property Borne by MBSB
HOME
Perak 70000 Negeri Sembilan 20300 Kuala Terengganu
PRODUCTS
MORTGAGE
Tel : 05-688 2700 Tel : 06-763 8455 Terengganu
Fax : 05-688 2703 Fax : 06-763 0701 Tel : 09-622 7844
Fax : 09-622 0744
Conventional &
Visit our nearest Branch today MRTA/MRTT Compulsory ISLAMIC Financing
MBSB 2R– Ez Home-i RESIDENTIAL
Applying for a Loan? PROCESSING Property MBSB 2R– Ez home
CALL our Marketing or FEES Waived VALUATION LOAN Tenure
Sales Representative NOW! Landed & MBSB 2GO– Own Home-i
Non Landed MBSB 2S– Ready Home-i
Will Writing PA Compulsory
MBSB 2GO–Own Home
1800 88 4000 www.mbsb.com.my
