2-IN-1
FINANCING

2-IN-1
FINANCING

Get the Highest Financing Loan-to-Value for Your Pledged Asset

Borrow up to 120% of your property’s market value with our innovative financing solution that combined a traditional property loan with a clean loan.

You can obtain a financing amount equivalent to 80% of the market value of your pledged property through our property loan, while the remaining 40% will be funded through the clean loan.

Favourable Rates, Reasonable Terms

financing
Loan Amount

Up to RM10 million

Interest Rate
Interest Rate

Property loan: 1% per month
Clean loan: 1.5%  per month

Financing Tenure
Financing Tenure

Up to 96 months

Time to Funds
Time to Funds

Within 10 business days

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How It Works

Market value of the property:
RM 4 million

Maximum financing amount:
RM 2 million

80% of the financing amount will be funded through the Property Loan:

RM 2 million x 80% = RM 1.6 million

*subject to 1% of interest per month.

While the remaining 40% will be funded through Clean Loan:

RM 2 million x 40% = RM 800,000

*subject to 1.5% of interest per month.

Market value of the property:
RM 4 million

Maximum financing amount:
RM 2 million

60% of the financing amount will be funded through the Property Loan:

RM 2 million x 60% = RM 1,200,000

*subject to 1% of interest per month

While the remaining 40% will be funded through Clean Loan:

RM 2 million x 40% = RM 800,000

*subject to 1.5% of interest per month.

Eligibility

  • Sole proprietorships, partnerships, private limited companies (Sdn. Bhd.) with a property guarantor and a personal guarantor.
  • Malaysian-owned registered company
  • Minimum 3 years in operations
  • Collateral required.
  • No outstanding legal action, bankruptcy, litigation
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Required Documents

1. First Stage

  • Consent form (note: all directors and shareholders must co-sign with company stamp).

  • Latest 2 years audited account
  • Latest 2 years company TAX FILLING and RECEIPT
  • Latest 2 years Directors and shareholders TAX FILLING and RECEIPT
  • Latest 6 months bank statements
  • Latest 1-month personal bank statement
  • Office photos (Office, Factory areas and outside building)
  • Office tenancy agreement
  • Identity cards of all directors and shareholders
  • Name card
  • Company form 24, 44, 49, Annual return (Section 68) and M&A
  • Pledged Property details:
    1. Leasehold or freehold
    2. Property type including but not limited to terrace house, agriculture land, shop lot, factory.
    3. Name of the property owner
    4. The market value of the property
    5. The current outstanding balance of the property
    6. Address of the property
    7. Property title/ Quit Rent (Cukai Tanah)

  • Latest month current residency’s utility bill for all directors and shareholders
  • Latest month utility bill for office
  • Property title/ Quit Rent (Cukai Tanah) from each director and shareholder

*You only need to submit these documents if your loan application is approved.

Still Have Questions?

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