RHB My1 Full Flexi Home Loan Reviews

    RHB Bank offers the My1 Full Flexi Home Loan scheme where you can make additional payments above the monthly instalment amount. You can also withdraw the extra payments whenever you need. You can settle the loan sooner than the set tenure with the advantage of a flexible payment system.

    RHB My1 Full Flexi Home Loan Scheme Detials
    Loan Type Full-flexi.
    Loan Margin Up to 90% with 5% MRTA.
    Minimum Loan Amount RM30,000 (including MRTA).
    Loan Tenure Up to 35 years or up to an age of 70 years.
    Compare with Other RHB Home Loan Offers in Malaysia

    What are the Features and Benefits of RHB Flexi Home Loan?

    • Pay additional amount to shorten the loan tenure.
    • Redraw the excess payment made whenever required.
    • Save on interest by making additional payments.
    • Flexible terms help you pay the loan conveniently.
    • Get a long repayment tenure of up to 35 years.

    What will be the Fees and Charges?

    Interest Rate BR + 1% p.a.
    Stamp Duty Fee According to the Stamp Duty Act 1949 (Revised in 1989).
    Disbursement Fee Registration of charge fee + Land search fee + Bankruptcy search fee.
    Valuation Fee For completed properties only.
    Processing Fee None.
    Cancellation Fee 1% of the loan amount (if cancelled after accepting the Letter of Offer).
    Late Payment Penalty 1% p.a. on the arrears.
    Early Settlement Fee Charged if the loan is cleared within the lock-in period.

    Am I Eligibile for RHB MY1 Full Flexi Loan?

    Applicant Type
    • Individuals.
    • Joint Applicants.
    • Residents.
    • Non-residents.
    Minimum Age
    • 18 years.

    What Documents I Need to Apply for RHB Full Flexi Loan?

    Salaried Employees
    • A copy of NRIC.
    • Latest 3-6 months’ salary slip.
    • Latest 3-6 months’ salary crediting statement.
    • Latest EPF statement.
    • Latest Form BE with the tax payment receipt.
    • Sales & Purchase Agreement or the booking receipt issued by the developer.
    Self-employed Individuals
    • A copy of NRIC.
    • If you are a sole proprietor or a partner, then provide Borang A & D.
    • Form 24 and 49 if you own a private limited company.
    • Latest Form B with the tax payment receipt.
    • Latest 6 months’ current account statement.
    • Sales & Purchase Agreement or the booking receipt issued by the developer.

    How Can I Apply for RHB My1 Full Flexi Loan in Malaysia?

    Offline Mode
    • Visit your nearest branch.
    • Fill up the application form.
    • Attach the required documents.
    • Submit the application to the staff.
    Online Mode
    • Visit the bank’s official website.
    • Open the home loan page.
    • Click on the “Apply Now” button.
    • Fill up the required information.
    • Submit the application online.
    • A bank representative will contact you within the next 2 working days.

    The loan allows you to make excess payments whenever possible, and withdraw the excess payment if you need it. Read the terms and conditions to know about the loan facility better.


    Q. Does the loan come with a lock-in period?

    A. Yes. The loan facility comes with a lock-in period of 3 years from the date of the first drawdown.

    Q. How often is the interest calculated?

    A. The interest is calculated on a daily basis.

    Q. What is the minimum loan tenure applicable?

    A. The minimum loan tenure applicable is 5 years.

    Q. Can I refinance my existing home loan under the My1 Full Flexi Home Loan?

    A. Yes. You can refinance an existing home loan under the My1 Full Flexi Home Loan.

    Q. Is buying an insurance policy mandatory?

    A. Buying a mortgage reducing term assurance/mortgage reducing term assurance is optional. However, buying a fire insurance or house owner policy is compulsory.

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