Sunday, 15 December 2019,   17 Rabiulakhir 1441H
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BSN MyHome-i (Commercial Property)


BSN MyHome-i (Commercial Property) provides you with the right financing plan to assist you in securing completed commercial properties.


Shariah Concept
The Shariah concept used is Commodity Murabahah (Tawarruq) which refers to buying and selling of the commodities as the underlying asset on the deferred basis by way of Murabahah (Sale contract with the disclosure of the asset cost price and profit margin), then selling it to a third party to obtain cash.


» Malaysian citizen aged 21 years and above (subject to age limit of not more than 65 years old at end of tenure)
» Individual Applicants only.


Financing Features

» Financing Tenure: Up to 20 years or 65 years old upon completion (whichever comes first).
» Margin of Finance: Up to 80% + 5% (MRTT) from purchase price.
» Completed property located classified as MF7¹  and above only.
» Applicable at all BSN Main Branches nationwide.
» Convenient payment channels via:

-  Over-the-counter at all BSN Branches nationwide.
- Standing Instructions / Savings Account.
- Interbank GIRO (IBG).
  Over-the-counter at all BSN Branches nationwide.
     -  Standing Instructions / Savings Account.
     -  Interbank GIRO (IBG).
     -  Internet Banking.

Internet Banking.

Profit Rate

Financing Amount


Completed Property

RM 250,000 and above

Year 1



BR + 1.50%



i) ¹MF7: Marketability Factor.
ii) For financing amount of RM350,000 and above with 20 years of financing tenure, the indicative profit rate is BR + 1.50%*.
iii) Additional 0.15% from the above profit rate for financing without Takaful.
*Subject to terms and conditions

Documents Required


For Individual
» Copy of NRIC (applicant's / joint applicant's)
» Salary Slip - original copy and latest three (3) months copies
» Latest 3 months’ Bank Statement
» Latest 6 months’ Bank Statement (other income)
» Latest EPF Statement
» Employer Confirmation Letter
» J Form / Latest Income Tax Declaration
» Copy of Sale and Purchase Agreement and / or property documents
» Copy of Evaluation Report (for property purchase) from the evaluation panel registered with the Bank
For Organisation
» Organisation Bank Statement for the period of six (6) months
» Organisation Financial Statement for last two (2) years approved by authorised Audit Body
» B/BE Form & LHDN Receipt
» Business Registration Certificate (SSM)
» Memorandum & Articles of Association (M&A) / Form 24, Form 44 & Form 49
» Board of Director Resolution
*Guarantor: If required, mandatory documents are similar to applicant.


Early Settlement

»  You may settle your financing at any time by submitting a written notice to the Bank.

Late Payment Charges


»   Within the Facility Period

Overdue instalment(s) x 1% x No. of overdue day(s)

»   After the Facility Period

Outstanding principal x IIMM* x  No. of overdue day(s)

» Islamic Interbank Money Market (IIMM) is subject to change from time to time. 


Stamp Duty

»  Principal Documents - Will be charged on ad valorem basis.
»  Other Documents – RM 10.00