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Group Mortgage Reducing Term Assurance (GMRTA)
Get reducing coverage for the Life Assured in the event of death or Total and Permanent Disability (TPD). When a claim is filed, the applicable sum assured goes towards the repayment of the outstanding mortgage loan.
Benefits & privileges:
Protection against death and TPD
An additional 20% of the sum assured in the event of accidental death
Early Loan Settlement Benefit
Flexible sum assured and flexible term
24 hours coverage worldwide
Optional Rider: Family Income Benefit (FIB) Rider to get an extra 1% of the initial sum assured for 12 consecutive months after the claim is admitted
Individuals aged 18 - 65 nearest birthday
Detailed Product Information
Product Disclosure Sheet - English Product Disclosure Sheet - BM Bancassurance Service Guide
Q: What is Skim Rumah Pertamaku (SRP) / My First Home Scheme?
A: The scheme is one of the measures recently announced by the Government in the 2011 Budget aimed at assisting young adults earning RM3,000 per month or less to own a home. The scheme allows homebuyers to obtain up to 100% financing from financial institutions, enabling them to own a home.
Cagamas SRP Berhad will guarantee the banks on financing above 90% level i.e. if a borrower obtains 100% financing, Cagamas SRP will guarantee 10% (from 90% to 100%) of the financing.
Q: With Cagamas SRP Berhad's guarantee, does it mean borrowers/customers under the Scheme are only liable to the bank for 90% financing only?
A: No, the customers are liable to the bank for the full financing amount (up to 100%). The guarantee only indemnifies the bank for any loss incurred as a result of financing above 90% level.
Q: Do I have to pay a higher profit rate or any fee to enjoy up to 100% financing under the Scheme?
A: No, the normal profit rates of the respective banks shall apply and borrowers/customers do not have to pay for the Cagamas SRP Berhad's guarantee.
What do I need to know about Maybank Skim Rumah Pertamaku?
The Skim Rumah Pertamaku (SRP) or My First Home Scheme was launched by the Malaysian government in 2011 to help young adults to own their very first home. With property prices rising by the day, the government has offered a housing loan package with no downpayment, minimal set-up fees, and low income requirements.
Kenapa Skim Rumah Pertamaku Penting?
Zaman sekarang ni, harga rumah memang semakin naik. Susah betul nak cari rumah yang mampu milik. Dengan Skim Rumah Pertamaku, korang dapat peluang untuk beli rumah tanpa perlu sediakan downpayment yang besar. Ini memang satu kelegaan besar, terutamanya untuk kita yang baru start kerja atau belum ada simpanan yang banyak.
Tambahan pula, dengan SRP, korang boleh beli rumah Rumah Selangorku yang memang fokus untuk rakyat yang kerja atau tinggal di Selangor. Projek ni memang banyak benefit dan harganya pun reasonable. Kalau berminat nak tahu lebih lanjut, boleh check out details kat RumahSelangorku.net.
Cabaran dan Tips Nak Dapatkan Approval
Okay, jujur cakap, walaupun skim ni nampak menarik, tak semua orang senang-senang boleh dapat approval. Ada beberapa cabaran yang korang mungkin hadapi. Tapi jangan risau, ada juga tips yang korang boleh follow:
Apa Itu Skim Rumah Pertamaku?
Skim Rumah Pertamaku (SRP) adalah skim yang diperkenalkan oleh kerajaan Malaysia dengan kerjasama bank-bank tempatan. Tujuannya mudah – untuk bantu pembeli rumah pertama yang tak ada modal besar buat downpayment. Dalam erti kata lain, kalau korang qualify untuk skim ni, korang boleh dapat 100% pembiayaan dari bank, jadi tak payah pening kepala nak cari 10% downpayment tu.
Cara Memohon Skim Rumah Pertamaku
Kalau korang rasa dah ready nak apply, berikut adalah langkah-langkah mudah:
Kelebihan Skim Rumah Pertamaku
Apa yang buat skim ni special? Banyak lah, bro. Ini antara kelebihannya:
Rumah Selangorku dan Skim Rumah Pertamaku
Kalau korang tinggal atau bekerja di Selangor, memang kena consider Rumah Selangorku. Projek ni bukan je harga berpatutan, tapi banyak lokasi strategik. Plus, dengan Skim Rumah Pertamaku, proses pembelian jadi lebih mudah.
Dekat Rumah Selangorku, korang boleh dapat info terkini tentang projek yang available, termasuk jenis rumah, lokasi, dan cara nak apply. Jangan lepaskan peluang sebab rumah-rumah ni memang cepat habis, bro!
Skim Rumah Pertamaku adalah peluang yang tak patut dilepaskan untuk pembeli rumah pertama. Dengan syarat yang tak terlalu ketat dan kelebihan seperti 100% pembiayaan, ia memang sesuai untuk kita yang baru nak mulakan hidup sendiri atau dengan family.
Ingat, persediaan adalah kunci. Jaga rekod kewangan, simpan sikit duit untuk kos tambahan, dan buat research pasal rumah yang korang nak beli. Kalau follow tips ni, peluang korang untuk dapatkan approval lebih cerah, insyaAllah.
Kalau nak explore lebih lanjut, jangan lupa check out website Rumah Selangorku. Ada banyak info yang berguna untuk bantu korang dalam perjalanan beli rumah impian. Good luck, guys!
What is the range of financing amount?
With 100% margin of financing, you can borrow up to the whole selling price of your new home, subject to a minimum borrowing amount of RM100,000 up to a maximum of RM400,000. You won't have to save up for a downpayment, just make sure you pay your monthly instalments.
Is there a lock-in period and early settlement fee?
Yes and no. If you're taking up conventional home loan, there's a lock-in period of 3 years. On the other hand, if you take up an Islamic mortgage, you won't be subjected to one . Since there's lock-in period of 3 years for a conventional mortgage, you are not advised to settle the loan early as you will be charged an early settlement fee.
A little tip for Maybank first home buyer – if you think you're able to settle the mortgage loan within 3 years, you can consider to take up Maybank Islamic My First Home Scheme. However, you will have to adhere to Syariah principles.
