A clearer answer. A practical next step.

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

1. Ask a participating bank to check your first-home, owner-occupation, income and credit eligibility.
2. Give the bank the actual purchase price and property documents; confirm valuation and scheme limits.
3. 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.

No. The tool is a planning estimate. Each bank assesses documented income, existing commitments, credit information and its own criteria. Only the bank can confirm your application, margin, rate and tenure.

A joint application lets the bank assess the proposed borrowers together; it also assesses their debts and credit histories. It can help some households, but it is not an automatic approval or a way to hide one person's commitments. Loan names and property ownership must be checked separately.

What to do next

1. Ask the bank which relationships and borrower combinations the product accepts.
2. Use the bank's official secure channel for each applicant's income and debt records; compare joint and individual assessments.
3. Ask the bank and lawyer to explain repayment liability, ownership shares and the process if someone wants to exit.

Removing a name is not automatic. Confirm the contract and lender's consent; joint borrowing does not itself establish equal ownership.

Ask the bank whether that product accepts a guarantor. A guarantee creates repayment liability under its terms; it does not replace the bank's assessment. A family guarantor and a joint borrower are different roles. For example, Maybank Home 2gether uses a specific parent-child joint-financing structure, not a universal family guarantee.

What to do next

1. Tell the bank each person's intended role: borrower, guarantor, property owner or security provider.
2. Have the bank assess the proposed guarantor and explain the amount, duration and release conditions.
3. Before signing, get an explanation of the guarantee from the bank and independent legal advice where needed.

A guarantor may have to pay if the borrower does not. No agent can promise that adding a family member guarantees approval or later release.

Do not treat that promise as mortgage approval. The payment's true purpose, repayment conditions and effect on the real purchase price must be transparent to your lawyer and bank. If it relies on an inflated SPA price or hidden cashback, do not proceed. Settling a card also does not immediately erase its payment history.

What to do next

1. Ask your own conveyancing lawyer to examine the written arrangement before accepting money or signing a purchase commitment.
2. Disclose the true price, funds and conditions to the mortgage bank and get its written assessment; do not assume the bank accepts it.
3. If a genuine settlement is made, obtain confirmation from the card lender and let the mortgage bank reassess the updated record and affordability.

An honest price reduction or documented assistance is not automatically fraud; the specific facts need legal and bank review. Do not falsify a price, hide debt or sign a promised guaranteed-loan deal.

CCRIS is BNM’s financing and repayment record, including a 12-month repayment history; BNM gives no credit score or lending decision. CTOS is a separate private credit reporting agency. Its products can include public/legal records and, where included, a CTOS Score from 300 to 850 and CCRIS data. Its free Basic Report does not include CCRIS or the Score; full products may cost money. No report or score guarantees a home loan.

What to do next

1. Start at BNM’s official eCCRIS channel for your own free report; check facilities, repayment history and application status.
2. If you use CTOS, confirm which fields the selected report contains and any fee before ordering; you need not buy a report just to read this guide.
3. Send genuine CCRIS errors to the reporting bank and CTOS errors through its dispute channel; ask the lender to assess income, debts, affordability and property separately.

CCRIS is not a blacklist. Its application section covers pending and recent approved applications, not a universal list of rejected applications. Settling arrears does not instantly erase past repayment history. Never share eCCRIS/CTOS passwords, OTPs or a full credit report in this public form.