First Home Loan (100% – 120% Financing)

No Down Payment? You May Still Own Your First Home.

Think you need 10% down payment to buy a house?
👉 Not always.

With the right structure, you may qualify for 100% – 120% financing —
meaning you can own a property with little or even ZERO upfront cash.

💡 What Is 100% – 120% Home Loan?

This financing option allows you to:

✔ Cover full property price (100%)
✔ Or even include legal fees, stamp duty & extra costs (up to 120%)

👉 So you don’t have to worry about heavy upfront payments.

🔥 Why This Is a Game Changer

Most people delay buying property because of ONE reason:
“I don’t have enough cash.”

But the truth is…

👉 The right loan structure can get you started much earlier than you think.

👤 Who Is This For?

• First-time home buyers
• Young working adults
• Salaried employees with stable income
• Buyers with limited savings but strong repayment ability

⚙️ How We Help You Secure It

1. Eligibility Check
We assess if you qualify for high-margin financing.

2. Smart Structuring
We position your case to increase approval chances.

3. Bank Selection
Not all banks offer this — we connect you to the right ones.

4. Full Application Handling
We manage documents, submission & follow-ups.

5. Approval & Move In
Get your keys faster than you expected.

📊 BEFORE vs AFTER

BEFORE

• Need to save RM30K – RM80K upfront
• Delay buying for years
• Miss property opportunities

AFTER

• Minimal or zero upfront cost
• Enter property market earlier
• Start building equity sooner

💎 Why Work With Adrian Tan

• Experienced in first-home buyer cases
• Strong access to special bank packages
• Higher success rate for high-margin loans
• Clear guidance from start to approval

⚠️ Important Note

Not everyone qualifies for 100% – 120% financing.
Approval depends on:

• Income & job stability
• Credit profile (CTOS / CCRIS)
• Property type & bank policy

👉 The key is proper structuring — not just applying blindly.

❓ Frequently Asked Questions

Q: Do I really need zero down payment?
In some cases, yes — depending on your eligibility.

Q: How do I know if I qualify for 100% – 120% financing?
We’ll assess your income, commitments, and credit profile to give you a clear answer — fast and accurate.

Q: Can I include legal fees and other costs in the loan?
Yes — depending on eligibility, financing can go beyond the property price.

Ready to find your best loan solution?