Who it is for
Typically first-home buyers with clean enough CCRIS, income that clears DSR at full loan size, and a property type the bank accepts for high margin. Second properties and commercial assets are usually a different conversation.
Cash you still need
Even at 100% margin, budget for MOT stamp duty, loan agreement stamp duty, legal fees, valuation and often MRTA/MLTA. Use the stamp duty & legal fee calculator and the cost guide.
What banks gate on
- CCRIS conduct
- Residual income after the larger instalment
- Employment stability / income type
- Property and developer risk
Service: 100% financing advisory.
Next step
WhatsApp Janice with income, age, property price and CCRIS context before you sign a booking relying on 100% financing.
As of Oct 2026: BNM OPR 3.00%; SBR 2.75%. Packaged home-loan rates commonly fall roughly in the 3.55%–4.50% p.a. band depending on bank and profile. Confirm live figures with Janice before deciding.
Related
FAQ
Is 100% financing guaranteed for first-time buyers?
No. It is product- and profile-specific.
Can I combine 100% financing with cashback?
Sometimes packages blend features; we verify per bank rather than assume.