Can I get a 100% home loan, including for a subsale house?
Some eligible first-home buyers can apply under specific schemes. For example, BSN MyHome-i SJKP-MADANI covers eligible subsale homes: a property price up to RM300,000, 100% of that price plus specified costs, with total financing capped at RM360,000. This is a product option, not a promise of approval.
What to do next
- Ask a participating bank to check your first-home, owner-occupation, income and credit eligibility.
- Give the bank the actual purchase price and property documents; confirm valuation and scheme limits.
- Obtain a written offer showing the approved price portion, eligible costs and any cash you must provide.
More than 100% guarantee coverage is not the same as cash back or automatic 100% financing. Other products have different caps and conditions.
Sources and conditions
- BSN MyHome-i SJKP-MADANI — official product FAQ ↗Online sources checked:
- SJKP — HCGS eligibility ↗Online sources checked:
- SJKP — HCGS scheme features ↗Online sources checked:
Source checks are not a bank approval, legal opinion or verification of a particular property. Check current conditions with the linked provider before acting.