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5 HOME Plan Rates

For loan amount RM100,000 and above

(1)	Single Tier Interest Rate package*
	(For Completed and Uncompleted Properties)

Loan Amount

Whole Tenure

RM100K to < RM150K

BLR - 1.80% p.a.

RM150K and above

BLR - 2.00% p.a.

(2)	Multi Tier Interest Rate package*
	(for loan amount of RM150K & above)

Uncompleted Properties

Completed Properties

1st Year

0% p.a.

3.50% p.a.

Thereafter

BLR - 1.80% p.a.

(3)	Fixed Rate Packages
	(for both completed and uncompleted properties)

Fixed for first 3 years

Loan Amount

Interest Rates

Non Free
Legal Package

RM100K to
< RM200K

1st 3 years:	5.75% p.a.
Thereafter:	BLR - 1.65% p.a.

RM200K & Above

1st 3 years:	5.30% p.a.
Thereafter:	BLR - 1.65% p.a.

Free Legal Documentation Package

RM100K to
< RM200K

1st 3 years:	6.45% p.a.
Thereafter:	BLR - 1.65% p.a.

RM200K & Above

1st 3 years:	5.85% p.a.
Thereafter:	BLR - 1.65% p.a.

Fixed for first 5 years

Loan Amount

Interest Rates

Non Free
Legal Package

RM100K to
< RM200K

1st 5 years:	6.25% p.a.
Thereafter:	BLR - 1.65% p.a.

RM200K & Above

1st 5 years:	5.95% p.a.
Thereafter:	BLR - 1.65% p.a.

Free Legal Documentation Package

RM100K to
< RM200K

1st 5 years:	6.75% p.a.
Thereafter:	BLR - 1.65% p.a.

RM200K & Above

1st 5 years:	6.35% p.a.
Thereafter:	BLR - 1.65% p.a.

(4)	Free Legal Documentation Packages*

- Single Tier Rate Package

Loan Amount

Whole Tenure

RM100K to < RM150K

BLR - 1.55% p.a.

RM150K and above

BLR - 1.80% p.a.

-	Multi-Tier Interest Rate Package*
	(For both completed and uncompleted properties with loan amount of RM150K and above)

1st Year

3.80% p.a.

Thereafter

BLR - 1.70% p.a.

(5) HomeSave package*
	Loan Amount	Interest Rates
Non Free Legal Package	RM100K to < RM150K	BLR - 1.60% p.a.
Non Free Legal Package	RM150K & above	BLR - 1.80% p.a.
Free Legal Documentation Package	RM100K to < RM150K	BLR - 1.40% p.a.
Free Legal Documentation Package	RM150K & above	BLR - 1.60% p.a.

(6) Overdraft

BLR - 0.75% p.a.

* Above rates are applicable for loan tenure of 15 years and above

Public Bank reserves the right to change any or all of the above terms and conditions whenever deemed necessary.

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Forex:

	Foreign Exchange Rates (Forex)
	Gold Investment Account

Fees and Charges:

	Savings Account
	Current Account
	Fixed Deposit
	Remittances and Standing Instructions
	Coins and Notes
	Hire Purchase
	Trade Bills
	Credit/Loan
	Credit/Debit Cards
	ATM/Bankcards
	Gold Investment Account
	Foreign Currency Current Account
	Safe Deposit Box
	Share Trading/ Financing
	Others

Deposit Interest Rates:

	Savings and Current Interest Rates
	Fixed Deposit
	Foreign Currency Fixed Deposit Rates
	Foreign Currency Current Account Rates

Loan (Interest/Profit rates):

	Base Lending Rate
	Share Financing

Hire Purchase:

Margin of financing & hiring period