FEES & CHARGES REQUIREMENTS GUIDE / FAQ APPLY NOW 6

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RHB
RHB My1 Full Flexi Home Loan
A exible mortgage plan allows you enjoy interest savings by depositing
extra money and withdraw excess cash anytime at zero costs. Suitable
for new purchase and re nancing!

N Up to 35 years N Full-Flexi loan

N Floating Interest Rate N 3 years lock in period
N Up to 90% margin of nance

You Borrow Estimated Interest Rate

RM250000 - 400000 4.60% p.a.*

RM400001 - 600000 4.55% p.a.*

RM600001 - 1000000 4.50% p.a.*

RM1000001 - 2000000 4.40% p.a.*

more than RM2000001 4.35% p.a.*

*Effective interest rate will be determined by RHB upon approval.

Apply online now for RHB My1 Full Flexi Home Loan
RinggitPlus will help you every step of the way.

type your name type your phone number

My income is greater than RM18000 a year. That's at least RM1500 monthly.

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personal information safely and responsibly.

View product disclosure sheet.

Fees & Charges

There are always fees but how much are they?

> Late Penalty Fee 1% p.a. of the outstanding amount

> Withdrawal Fee No Fee

> Processing Fee No Fee

> FEES
Monthly Fee
& CHARGES REQUIREMENTS GUIDE / FAQ None APPLY NOW 6

> Early Settlement Fee 1% within 3-year retention period

> Redemption Letter Fee RM53.00 per request

> Letter for EPF Withdrawal Fee RM21.20 per request

> Cancellation Fee 1% on total approved amount

> Insurance Types Fire Insurance

MRTA
MRTT

All fees & charges are inclusive of 6% GST if applicable

Requirements
Are you eligible for this RHB home loan?

N Minimum annual income RM18000

N Minimum age 18 years old

N Maximum age 70 years old

N Who can Apply Any nationality

Salaried employee
Self-employed

Frequently Asked Questions about RHB My1 Full Flexi Home Loan
Things you might want to know

Tell me about RHB My1 Full Flexi Home Loan.

My1 Full Flexi Home Loan by RHB is based on a oating interest rate, which is pegged to the movement of
RHB’s benchmark lending rate. What makes this home loan so exible is, (1) its linkage to a Current
Account, and (2) with interest rate that is calculated on daily rest. 

This exible home loan allows you to make extra payment on top of your monthly instalment as well as
partial prepayment at a multiple of RM1,000 to reduce interest costs and principal outstanding. Ultimately,
you will shorten your home loan tenure faster than you think!

Subject to credit check and approval, RHB can provide up to 90% margin of nancing to purchase your
house, completed or under construction. If you prefer to move into the new house at zero cost, you can
throw in another 5% to let RHB covers for MRTA, legal and valuation fees. 

Can I withdraw excess money paid into my home loan account?

Absolutely and at zero cost. But, in order for you to be able to access that piled up cash deposited into
your home loan account, you need to make additional payment on top of your monthly instalment. 
For example, if your REQUIREMENTS
monthly instalmentGUIDE
amount is RM1,000 and you have been consistently topped up extra
FEES & CHARGES / FAQ APPLY NOW 6
RM500 over 12 months or so period, you will be able to withdraw that additional payments anytime you want

it. 

But remember, there a difference between making additional payment and prepayment. For the latter, you
cannot withdraw part of the money deposited as you are redeeming (partially or fully settled) the home
loan.

Are there fees and charges I should be aware of?

This RHB home loan package has a transparent fees and charges structure from the beginning. You don't
need to pay for the home loan processing fee, monthly maintenance fee and cash withdrawal fee. 

There are some penalties you should be aware of, nonetheless. These are the late payment fee, home loan
cancellation fee and an early settlement fee within 3-year lock-in period.

Can I add any insurance plan to it?

You are advised to take up Mortgage Reducing Term Assurance ( MRTA) just by adding 5% to your nancing
margin. This insurance policy will cover you in the event you are not able to commit your monthly
instalment due to fatality or permanent disability. 

Fire Insurance, however, is compulsory to every home owner and this insurance cost usually is borne by
RHB.

Am I eligible to apply?

Let’s check: If you are 18 years old and above, holding an NRIC, permanent resident status or valid
passport, then, you are eligible.

What documents I need submit together with application form?

Property documents:

Copy of Sale and Purchase Agreement or Booking Receipts

Salaried employee:

r Copy of your NRIC or passport

r Latest 3 months salary slip

r Latest 3 months salary crediting statement

r Latest EPF statement

r Latest BE Form + Tax payment receipt

Self-employed:

r Sole Proprietor & Partnership – Form A & D

r Private Limited – Form 24 & 49

r Latest Form B + Tax payment receipt

r Latest 6 months current account statement

 FEES & CHARGES REQUIREMENTS GUIDE / FAQ APPLY NOW 6

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