Margin of financing
First-home buyers may access higher margins - sometimes up to 100% on selected packages. Confirm eligibility before you book. Guide: 100% financing.
Tenure & age 70
Residential tenure commonly tops out around 35 years or until age 70, whichever comes first. Younger buyers can stretch tenure to lower instalments; older buyers must size the loan to the shorter window. Try the tenure vs age-70 helper.
How to prepare
- Run DSR and repayment tools
- Assemble the document checklist
- WhatsApp Janice before any hard enquiry
Scenario: for first-time buyers.
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
Should I max tenure?
Longer tenure lowers instalments but increases total interest. We show both.