Bank Of China Malaysia Flexi Housing Loan

Bank of China Malaysia home loan will be granted to an individual which part finance the purchase of a completed or under construction residential property. The term home loan is calculated on a variable rate basis and you are offering your house / property as a security for this financing.

Bank of China Malaysia's base rate on this product is made up of two parts, our benchmark cost of funds (COF) and the Statutory Reserve Requirement (SRR) cost imposed by Bank Negara Malaysia.

Below is the list of documents that you will be required to prepare for Bank of China Malaysia Home Loan application:

• Copy of NRIC (Front & Back) / Passport
• Latest 3 months' salary slips / Income Tax Assesment 
• Latest EPF statements/bank statement of salary crediting account
• Proof of Purchase/Sales and Purchase Agreement.
• Tenancy Agreements (If applicable)

For self-employed, please provided Form 24 and 49 (business registration forms) and latest 6 months financial statement

Use the Bank of China Malaysia calculator to determine your monthly installments based on your desired property value and loan amount. Once you have determined the ideal loan amount for you, you can apply through iMoney and our mortgage consultants will assist you with your inquiries. If you are not sure whether this Bank of China Malaysia Home Loan is your best option, click here to compare other home loans in Malaysia.

Here are some of the repayment methods for Bank of China Malaysia home loans.

Online Transfer
: Transfer funds from your Savings or Checking account to make your payments.

Interbank GIRO
: Pay your loans through the Interbank GIRO fund transfer from any participating bank's branch or through online banking.

Bank of China Malaysia ATMs
: Transfer funds from your BOCM Savings or Current accounts to make your payment at all BOCM branches/ATMs branches

Standing Instruction Facility
: Sign up at our branches to have your bank account automatically debited.