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Own your home with an innovative Shariah-compliant home financing plan
  1. Saadiq
  2. Financing
  3. Saadiq My HomeOne-i

Own your home with an innovative Shariah-compliant home financing plan

Reduce Mortgage Rental with Your Cash Deposit

My HomeOne-i Account Calculator

Financing Amount
RM
Please enter a valid Financing amount. The amount should be a positive number between 70,000 and 20,000,000.
The total deposits have surpassed the loan amount, please review and adjust your input accordingly.
Effective Rental Rate
% p.a.
Please enter a valid Effective Rental Rate % p.a.
Financing Tenure
year(s)
Please enter a valid Financing tenure.
Initial Cash Deposit
RM
Error: Initial Deposit Must Be Less Than Financing Amount
Recurring Monthly Cash Deposit
RM
Error: Total Deposit Must Be Less Than Financing Amount
Monthly Installment Payment
RM 9,319.15
Interest Saved
RM 142,261.33
New Loan Tenure
331
*Calculator for illustrative purposes- not for Bank Approval.

Save more with My HomeOne-i Account

  • Monthly Payment
    RM 3,261

      Our simulation tool is for illustrative purposes only and is based on above Financing Amount, Effective Rental Rate, and Financing Tenure you input.

    At Effective Rental Rate % p.a.

  • Rental Saved
    RM 412,662

    Rental Saved

    This is the estimated Rental Saved, you may enjoy.

    1. Rental Saved is calculated based on the savings derived from surplus cash deposited into the Operating Current Account.
    2. The total cash deposited into the Operating Current Account is capped at 70% of the Financing schedule balance and the remaining 30% of the Financing schedule balance will be charged with the Prescribed Rate.
    3. It is calculated based on below assumptions:
      1. Financing Amount, Effective Rental Rate, and Financing Tenure you input.
      2. Prompt monthly payment for your Facility.
      3. Both Initial Cash Deposit and/ or Recurring Monthly Cash Deposit (on top of monthly payment) are maintained throughout Financing Tenure and are not withdrawn.

    With Deposits maintained in My HomeOne-i Account

  • Reduce Financing Tenure by
    4 Year(s) 1 Month

    Years of Saving

    Rental on the Financing will be calculated on daily rests basis based on the daily net outstanding balance after offsetting the cash deposited in the Operating Current Account.

Calculator is intended for informational purposes only- not a Financing offer.

Financing Amount

Saadiq My HomeOne-i

Here is a smarter way to make your money works harder for you.  

Application Eligibility

  • Minimum gross income is RM4,000 per month
  • Age: 21 to 70 years old.
  • Tenure: 5 to 35 years or up to age 70 at point of maturity of the Financing whichever is lower.

Identity Documents

  • NRIC/ Passport

Property Documents

  • Title Deed/ Sale and Purchase Agreement (SPA)/ Booking Receipt (whichever is applicable)

Income Documents for Salaried Earner / Commission Earner

  • Latest EPF account statement OR
  • Latest annual Income Tax returns (ie. Borang B/ BE with LHDN Acknowledgment AND proof of payment/ receipt of refund
  • Latest 6-month Commission Statement/ Payslip AND 6 months Bank Statement (Applicable to Commission Earners only)

Note

  • Additional documents may be requested if deemed necessary. Other documents for income verification may be considered on a case-by-case basis.
  • All Financing applications are subject to credit evaluation and approval.

Application Eligibility

  • Minimum gross  income is RM4,000 per month
  • Minimum business vintage equal or more than 2 years*
  • Register Profit before Tax for latest financial year.

*Note

2 years vintage criterion is only applicable to the company salary is drawn from

Identity Documents

  • NRIC/ Passport

Property Documents

  • Title Deed/ Sale and Purchase Agreement (SPA)/ Booking Receipt (whichever is applicable)

Income Documents

  • Latest SSM report AND
  • Latest annual Income Tax returns (i.e. Borang B/BE) with LHDN Acknowledgement AND proof of payment/receipt of refund; OR
  • Latest 6 months Company Bank Statement

Note

  • Additional documents may be requested if deemed necessary. Other documents for income verification may be considered on a case-by-case basis.
  • All Financing applications are subject to credit evaluation and approval.

Saadiq My HomeOne-i is a home financing facility that comes with an easy-to-use operating Current Account, designated to save cost on your home financing.

It is based on the Islamic principle of Musharakah Mutanaqisah (Diminishing Partnership). You may gain the potential to earn Tawarruq profit whenever you place any additional cash deposit into your Saadiq My HomeOne-i account.

Rental on the Financing will be calculated on daily rests basis based on the daily net outstanding balance after offsetting the cash deposited in the Operating Current Account at the Effective Rental Rate as per stated in the Letter Offer (“Prescribed Rate”)

  1. Rental Saved is calculated based on the savings derived from surplus cash deposited into the Operating Current Account.
  2. Cash deposited into the Operating Current Account will be used to offset against the principal Financing amount to compute the net outstanding balance which reduces the principal faster resulting into Rental savings (“Rental Saved”).

For more info, refer to Product Disclosure Sheet.

To apply for Saadiq My HomeOne-i, leave your contact details. Our Mortgage Specialist will reach out to you to assist with the Application Process.

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