Buy Your Dream House With Youth Housing Scheme/-i (YHS)


Buy Your Dream House With Youth Housing Scheme/-i (YHS)

Initiated by the Malaysian government, BSN in smart partnership with Employees Provident Fund (EPF) and Cagamas, the Youth Housing Scheme/-i (YHS) helps married couples between 25-40 years old with a household income not exceeding RM10,000 a month to own their first home.

Benefits of Youth Housing Scheme/-i
The Youth Housing Scheme/-i is more than just an ordinary home financing plan. It's made especially for first-time house-owners who want that dream family home. Through this scheme, you can receive:

  • A loan / financing of up toRM500,000 with repayment period of up to 35 years or at the maximum age of 65.
  • Loan / financing up to 100% of the purchase price, and up to 5% of the purchase price for MRTT orMRTA.
  • 50% of stamp duty exemption loan / financing agreements.
  • Monthly financial assistance ofRM200 for the first 24 monthsfrom the government.


  • A Malaysian Citizen
  • Married
  • Earning a household income not exceeding RM10,000 a month.
  • A first-time home buyer with proof of purchase of the property
  • Aged 25-40 years old (subject to age limit of not more than 65 years old at the end of the financing period)
  • A BSN GIRO/GIRO-i account holder


Required Documents:

  • Proof of purchase consisting of a copy of Property Sale and Purchase Agreement(S&P), which has been stamped. If the S&P has not been completed, the deposit receipt /pro forma purchase order is acceptable for the purpose of approving the application
  • A copy of valuation report (for the purchase of completed property from individuals / non-developers) of BSN panel valuer
  • Master / Individual title (if any)
  • Statutory Declaration (SD) for the purchase of the first house and self-occupiedNote: The statutory declaration must be signed by the applicant and co-applicant/ spouse (if not co-applicant)

How To Apply?

Step 1: Log on to

Step 2: Download the PDF Form

Step 3: Fill in the form

Step 4: Visit the nearest BSN Branch. Bring along all the documents required together with the filled form.


For more info, visit

Source: Bank Simpanan Nasional