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Is a Bank Rakyat Home Loan Right for Me? Bank Rakyat Home Loan has a 5-year lock in period along with a penalty fee of up to 5% on your outstanding loan amount in case you plan to make an early settlement and repay your loan in full within this period. Compared with other loan products from other bank, Bank Rakyat housing loans has the highest lock in periods and penalty fees in the market. There are 2 main Bank Rakyat housing loan products. One of the outstanding product is Bank Rakyat Home Financing-i Manzili Selesa. This Bank Rakyat housing loan is a Sharia compliant home financing whose main attraction point is the convenient repayment method.

For instance, you can make payments via Biro Perkhidmatan Angkasa if you are a government employee. Another alternative of repayment method is directly from your savings or current accounts. Besides the variety repayment alternatives, via this Bank Rakyat housing loan, you are protected against a hike in rates as it is based on a capped floating profit rate of 10.6%. You can always pay in excess of your fixed monthly repayments but it will only count as an advanced payment since this Bank Rakyat housing loan is not a flexi-loan. On the other hand, the other Bank Rakyat housing loan namely Manzili Home-I Financing is very similar to its counterpart, Manzili Selesa.

The exclusive feature of this Bank Rakyat housing loan is that you can make your loan repayments automatically through the deduction of salary through Biro Perkidmatan Angkasa (which appeals to government employees), employer payroll deduction and savings account deduction. Aldelo pos software crack free. Since this Bank Rakyat housing loan is not a flexi-loan, the excess payment that you have made will only reduce your principal amount instead of interest charges. The margin of financing offered can be up to 90% plus an extra 5% for MRTT and/or financed entry cost. Loan tenure can reach up to 35 years (in accordance to the latest ruling by Bank Negara Malaysia) or age 65 whichever is earlier. When you are signing up for any Bank Rakyat housing loan products, it is highly recommended that you take on MRTT (which will protect you from any unforeseen scenarios.