The document discusses Al Rajhi Home Financing package details such as financing amounts up to 90% of property value, maximum financing tenure of 35 years, profit rates starting at 5.05% for non-free moving cost, and allowable debt-to-income ratio of up to 80%. It also lists target customer segments and required application documents which include income proof, property documents, and identification documents.

2. A little bit about myself… Asrulizam Mahbob a.k.a. ASRUL Head of Mortgage Sales – Retail Finance

3. Introducing….. Al- Rajhi Home Financing-i

4. What are the current package offered under Al Rajhi Home Financing? Margin Of Financing Up to 90% of OMV or SPA price, whichever is lower Financing Amount Minimum : RM25,000 and Maximum : RM2 Million (Min Property Value – RM70K) Tenure Up to a max of 35 years Type of Properties Link Houses/Semi-Detached/ Condominium/Apartment / Service Apartment Property Valuation Report Compulsory

5. What are the current package offered under Al Rajhi Home Financing? Property Tenor Freehold/Leasehold/MRL. For leasehold properties, the property tenor should not be less than 40 years at the end of the financing tenor Minimum Age 21 years and max of 65 years Takaful MRTT coverage Optional. However, financing on the Protection premium are available

6. What are the current profit rate offered under Al Rajhi Home Financing? Currently BFR at 6.75% TENURE UP TO 35 YEARS FLOAT RATE NON-FREE MOVING COST 5.05% @BFR -1.7% FREE MOVING COST 5.25% @ BFR -1.5%

7. What are allowable income (DSR) to apply for Al Rajhi Home Financing? Example: Income per month - RM10,000 Other installment - RM 5,000 This Home Application Installment - RM1,000 Total Commitment - RM6,000 As such- DSR is = RM10K / RM6K = 60% from total income Allowable DSR limit up to 80% of the income

8. Who are the target customers under Al Rajhi Home Financing? Segment Description Prod Code Non-blue collar/non clerical employees of PLC, GLC, MNC, Government and Semi-Gov earning gross income > RM3.5K HF001 Customers with direct salary transfer to Al Rajhi Bank HF002 Joint application with spouse with salary > RM3.5K. Apps must be supported by marriage certificate HF003 Professionals, i.e. lawyers, doctors, accountants, engineers, architects and company secretaries with income > RM5.5K HF004 Customers with salary deduction at source and companies willing to provide guarantee. HF005 If financing tenor is < 10 years HF006 For first time house buyer HF007 Preferred self-employed businessman HF008

9. Who are the non-target customers under Al Rajhi Home Financing? Casino and Gaming Outlet Auto workshop, auto accessories or second hand car dealer Amusement Centres or Event Management Spa, Night Club or Karaoke outlets Non-Financial Institutions that lends money to individuals Tour guides/ Machine operators/Line staff/ Beauticians Flight steward/stewardess and employees on cruise ships Drivers / Security Guard Owners of small business where average monthly turnover <RM10K, no fixed premises, no business registration, and operating < 2 years Customers from states where Al Rajhi is not represented

10. Where are the non-target locations under Al Rajhi Home Financing? Area City Project Bkt Beruntung & Bkt Sentosa Rawang ALL Bandar Tasik Puteri/ Bdr Country Homes / Taman Rawang Perdana Rawang ALL Taman Bukit Rawang Putra Rawang ALL Taman Sentosa Klang ALL Taman Kajang Utama Kajang ALL Bdr Universiti Teknologi Lagenda Mantin, NS ALL

11. What are the benefit of applying under Alrajhi Home Financing? Financing up to 90% with longer tenure up to 35 years Rebate (Ibra’) for early settlement No lock in period No late payment charges No processing fees Fixed ceiling rate 10% Optional Takaful coverage Open to individual aged 21 to 65 years

12. What are documents required to apply for Home Financing? Copy of I/C/Passport/Police or Military ID on A4 size If Employed Evidence of Income such latest 3 months Pay Slip and Bank Statements where salary credited EPF or Employment reference letter If Self-Employed Business Registration/Form 9,24&49/ MAA Latest 6 months Bank Statement Audited Account past 2 years Copy Of SPA /Title /Booking Receipt of property purchased

13. How to submit applications? All finance applications together with AFF registration form need to be submitted to any of our Direct Sales Executive together with AFF registration form Or our mailing address:- Al RAJHI BANK Ground & 1 st Floor, Pantai Junction, Plaza Pantai No 5, Jalan 4183A Off Jalan Pantai baru,59200, Kuala Lumpur Tel: 03-2283 5590/5609/7396/7991

14. Questions & Answers…..

15. Thank You….

16. How much you can get in total from financing referred? 20 years financing 5 years financing 7 years financing PF 500k 1mil 2mil 3mil 4mil 5mil 8mil 10mil 15mil 20mil $4,651 $9,301 $18,603 $27,904 $37,206 $46,507 $74,412 $93,015 $139,521 $186,029 HF 100k 300k 500k 1mil 2mil 4mil 8mil 10mil 15mil 20mil $242 $727 $1,211 $2,423 $4,846 $9,691 $19,382 $24,227 $36,341 $48,455 AF 50k 100k 200k 400k 800k 1mil 2mil 3mil 5mil 8mil $71 $143 $285 $570 $1,140 $1,425 $2,851 $4,276 $7,127 $11,404