Loan Calculator

If buying a dream home is the next step in your life, BSN will help make it happens for you with this conventional home loan and low interest rates

    • Up to 35 years
    • Term loan
    • Floating Interest Rate
    • 5 years lock in period
    • Up to 90% margin of finance
  • You Borrow Estimated Interest Rate
    up to RM100000 6.60% p.a.
    RM100001 - 300000 4.30% p.a.
    more than RM300001 4.20% p.a.
    *Effective interest rate will be determined by BSN upon approval.

Fees & Charges

There are always fees but how much are they?

Late Penalty Fee
1% p.a. of the outstanding amount
Processing Fee
Early Settlement Fee
Redemption Letter Fee
RM50.00 per request
Letter for EPF Withdrawal Fee
RM20.00 per request


Are you eligible for this BSN home loan?

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

Frequently Asked Questions about BSN MyHome

Things you might want to know

What is BSN MyHome about?

BSN MyHome is a variable rate basis home loan for financing a purchase of property either completed or under construction, refinancing or subsale. This home loan is a secured loan which requires you to offer your house as a security. Depending on your loan approval, BSN can provide financing up to 90% of the property value for a maximum tenor of 35 years, or when you reached 70 years old, whichever comes first.

What is the home loan interest rate?

The interest rates vary depending on the type of properties, whether it is completed or under-construction; the loan amount applied; and the borrowing period. You can refer to the table above for interest rates on completed properties. For under-construction properties, you will get slightly different rates such as follows:
Loan Amount Tenure Interest Rate
RM100,000 and below up to 35 years BR + 3.00%
RM100,001 to RM300,000 1 to 2 years BR + 0.45%
thereafter BR + 0.70%
RM300,001 and above 1 to 2 years BR + 0.45%
thereafter BR + 0.60%
Current BSN Base Rate is 4.10%.

How to repay my monthly instalments?

There are 2 straightforward ways you can choose from: (1) you can walk in to any BSN branches and pay it over-the-counter; or (2) you can manage it online via Standing Instruction or InterBank Giro.

Can I fully settle the financing before maturity?

Yes you can. But you have to submit a written notice to BSN to obtain the early settlement amount, after which the payment can be made at any time during working hours and at any of the bank’s branches.

Do I need an insurance coverage?

You are required to sign up for Mortgage Reducing Term Takaful ( MRTA) to protect your interest in the event of death of permanent disability during the loan tenure. Also, you can apply for Houseowner or Fire Insurance to cover for loss and damage to your home and contents. You can check out some of the Home Insurance products here at RinggitPlus.

What documents do I need to prepare?

The main documents you are required to submit are BSN MyHome application form, your NRIC and a copy of Sale & Purchase Agreement. You should also supplement them with the following documents: For individuals and joint applicant:
  • Latest 3-month salary slip
  • Latest 3-month bank statement
  • Latest EPF statement
  • Employer Confirmation Letter
  • J Form or Latest Income Tax Declaration
  • Latest 6-month bank statement (other income)
  • Copy of Evaluation Report from panel valuer registered with BSN (for completed property).

Calculate Your Loan

Your Monthly Repayment is:


Profit rate is: 4.2% p.a

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