 The Graduate Loan is a low deposit loan with flexible loan options, to help customer buy or build their own home sooner.  It’s a good option if they are first home buyer or looking to buy their next home.  The Graduate Loan is available to eligible graduates with a Certificate diploma, bachelor degree or higher qualification.

Low deposit home loanGet started with as little as a 3% deposit to buy an established home, or a 6% deposit to build. Save on Lenders Mortgage Insurance (LMI) Most lenders charge Lenders Mortgage Insurance. We have a Loan Provision Charge instead which costs a lot less for most customers. Boost your borrowing powerOption to combine with another loan to boost what you can borrow, without increasing your repayments. Buy or buildAvailable in metropolitan and some regional areas across Malaysia. Manageable loan repaymentsOur Repayment Safeguard helps take the stress out of interest rate changes by making your repayments more predictable.

No monthly account keeping feesOur home loans have no account keeping fees. (service charge) RedrawAvailable if they have a variable loan and have made voluntary loan repayments. Repayment holidaysTake a break from loan repayments. Use your equityAs the equity grows, the customer may have the option to use it to renovate after 12 months.

Normal Home FinancingGraduate Home Financing 1. High deposit home loan Low deposit home loan 2. Monthly account keeping fees charged No monthly account keeping fees 3. Less of borrowing power Boost your borrowing power 4. Must paid on time Repayment holidays

 The existence of this new product can make a graduated student affordable to buy a home. Its more advantage to buy house than paid rental because the home that we buy end with an ownership.