 The Graduates Home Financing is a type of financing that are invented for graduates who are possessed with certificate of diploma or degree in which the borrower has minimum income of RM 2000 per month.  Most home financing require good to excellent credit history but our product has no credit scoring approach that can ease the prospect borrower to apply for this financing.  Graduates Home financing come in two options where the borrower can buy or build their first house by using this financing. Both options have highly secured value of the property.

1.Low deposit home loan  Get started own the house with as little as a 2% deposit to buy an established home, or 3% to build. 2.Interest rate and tenure  The financing is up to 35 year with the estimated interest rate as below: You Borrow Estimated Interest Rate RM %p.a. RM %p.a. RM % p.a.

3.Boost your borrowing power  The borrowers have the option to combine with another loan to boost what they can borrow, without increasing their repayments. 4.Buy or build  The prospect buyer are available to buy or build their in metropolitan and some regional areas across Malaysia. 5.Repayment holidays  The borrower can take a break from loan repayments that are fewer offer by other banks. 6.Use your equity  As the equity grows, the customer may have the option to use it to renovate after 12 months.

Graduate from diploma or degree Age Male and Female Income at least RM 2,000 Malaysian citizen only Demographic segmentation Malaysia Geographic segmentation The need for first home among graduate Behavioral

 Brochures, posters  Local newspaper advertising  The internet (homepage of bank website)  Cellphones and smartphones  Social media

 Malaysia citizen only.  Buy and build a home in Malaysia.  First time home buyer  Must be over 21 until 27 years of age.  Customer income at least RM2,000 per month.  Property value from RM100,000 until RM500,00. Eligibility

 Must have a certificate of diploma or degree.  Identification card.  Bank book or statements showing salary income for the last 3 months.  A recent salary payroll slip with the employer’s name and evidence of salary credited into a bank account.  An employer’s letter (on company letterhead or bearing company chop) confirming job title an income details. Requirement

 Who are interested to our graduate home financing can be downloaded from our website or can get the form over the counter. Through our website, click 'Apply now' and enter your personal details in the application form. If it is form you have to fill up the details too.  Print a copy of your application for your reference and then click "Submit" to send it to us or can submit it through over the counter.  If your application meets our initial requirements, your graduate home financing will be pre-approved immediately. You will receive a Provisional Letter of Offer and application reference number.  If the bank is unable to process your application for any reason, our Sales Officer will contact you within 3 working days.  Go to your selected our branch within the next 14 days with a printout of the Provisional Letter of Offer and relevant documents for verification by the bank. Application Processing Immediate response

Graduates Home Financing Other Home Financing Deposit8% - 9%10% Interest rate3.8%4.95% Borrowing power√x Buy or build√x Repayment√x Equity√x

 This scheme designed specially for graduates to own their home. It’s better to get own house rather than pay the rent every month.  It also can be turned into additional income if we let the house to be rent.  Real estate continues to be a solid long-term investment for most households providing wealth accumulation especially for those who keep the home for a typical holding period of six to 10 years.  Housing generally provides steady returns unaffected by volatile movements in the stock market.