Conventional Products
Housing Loans

Eligibility Criteria
- The loan is for the purchase of a completed Residential Unit or for construction or renovation of a Residential Unit
- The loan is advanced and repayable in Ringgit Malaysia
- The loan must not be under any notice of partial or full redemption.
- Fully disbursed
- The loan is a term loan which fully amortise over the loan period
- 12 monthly installments must have been paid
- Remaining maturity must not be less than 5 years or more than 30 years
- The outstanding amount should not exceed RM2 million for landed property and RM1 million for non-landed property as at the Purchase Date
- Repayment of principal or interest must not be suspended, rescheduled or restructured 12 months prior to Purchase Date
- Payment record must not be more than 1 month past due in the 12 months period prior to Purchase Date
- Monthly installment must be greater than 110% of the interest portion of the monthly installment
- Loan-to-value ratio should not be more than 80%, i.e. outstanding principal amount as at the Purchase Date divided by property value
- If leasehold land, remaining leasehold tenure must at least be 20 years upon expiry of loan tenure
- comply with other criteria as per Cagamas' requirements