Standardisation of Key Housing Loan Provisions

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Standardisation of Key Housing Loan Provisions

Our member banks will, with effect from 1 January 2013, adopt a standardised template for the description of key terms and conditions in respect of certain housing loan or home financing agreements.


In line with the issuance of the Reference Rate Framework by Bank Negara Malaysia on 12 December 2014, we have updated the template on the Standardised Key Provisions for Housing Loan/Home Financing Agreements of RM500,000 and below for better consistency.

Please refer to the documents below for further explanation and guidance.

Explanatory notes

Attachment A - Standardised Template (under review)
Attachment B - General Timeline for Housing Loan Application
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The Association of Banks in Malaysia (ABM) was formed in November 1973. Our membership is currently made up of the 27 commercial banks operating in Malaysia.

Since its inception, ABM has been actively involved in various initiatives to promote and strengthen the commercial banking industry to become more resilient, effective and efficient.

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