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.
