Skim Rumah Pertamaku (My First Home Scheme)

Skim Rumah Pertamaku, or My First Home Scheme is initiated by the Government of Malaysia, in collaboration with Bank Negara Malaysia through Cagamas Berhad. The main objective is to assist young adults and first time homebuyers who have just joined the workforce to own a home.
It is now easier to own a home, without having to pay for any deposits or down payment, i.e. homebuyers are able to obtain 100% financing.

Moreover, this scheme is specially for young working adults with individual income of RM5,000 and below.

Features

 • Margin of financing up to 100%.
 • Combination of fixed and variable rates.
 • Option to finance MRTA / MRTT.
 • Tenure of financing up to 30 years.
 • Applicable for under construction and completed residential properties.

Eligibility

 • Malaysian citizen.
 • 1st time home buyer not exceeding 35 years of age.
 • Owner occupied.
 • Individual with gross income not exceeding RM3,000/month.
 • Confirmed employee with minimum employment of 6 months with the same employer.
 • Monthly payment amount not exceeding 1/3 of monthly income.
 • Property value of RM100,000 to RM220,000
 • Remaining leasehold tenure of at least 60 years (for leasehold property only).:

Documents Required

1. Copy of NRIC.
2. Copy of Sales and Purchase Agreement or Booking Receipt.
3. Copy of Individual Title.
4. Confirmation Letter of Employment (required if current employment is less than 1 year).
5. Income Documents: (Either both of the following documents)
 • Latest income tax return (with payment receipt)
 • Latest 3 months' bank statements that shows monthly salary is credited into the account
OR
Either one of the above plus:
 • Latest 3 months' salary slips with employer's name and evidence that salary is credited into the bank account.
OR
Employer's letter (on letterhead or bearing Company stamp) confirming designation and income details.


NOTE: Please be advised that the product mentioned above may change from time to time, as the market and industry evolve.

To find out more about Skim Rumah Pertamaku (My First Home Scheme), please contact the Ambank Contact Centre at 03 2178 8888 or visit the nearest AmBank branch.

undo Ambank