Most banks consider this type of property

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To be risky. As far as I know, only Ambank and Public Bank can do this kind of case. 2) How Much Loan Can You Get? If you are buying your first home, you can get a financing margin of up to 100%, through the Housing Credit Guarantee Scheme (SJKP). This means that if the house costs RM200,000, you can borrow up to RM200,000.


For a second home, the financing margin is up to 90% of the house denmark whatsapp database price. While for a third home and beyond, it is up to 70%. The bank also provides an additional 5% loan for you to pay for the loan agreement, appraisal and insurance costs. 3) What is the Bank's Interest/Profit Rate? If you want to check the current interest rates/profits of banks, you can check on websites like loanstreet .


But whatever, don't take the interest rates advertised by the bank for granted. This is because the interest rate depends on the individual's financial score. If the applicant's financial score is not good, he or she may get a higher rate than usual. In 2024, the normal interest rate is around 4.2% (90% scheme) and around 4.9% for the Housing Credit Guarantee Scheme (SJKP).