Not a bank. Not an offer of credit. Rahman Capital advises on secured property financing and introduces suitable cases to licensed funders. Any facility is provided by those funders subject to their approval, valuation, legal due diligence, and first-charge security. Figures on this site are illustrative and may change.
1. Product name & nature
Secured property finance against Malaysian titled property, structured as a first legal charge. Marketed use cases on this site:
- Bridging — short-term capital with a dated exit
- SPA deadline — completion bridge when bank drawdown lags
- Auction property loan — fund balance on auction / forced-sale lots
- Refinance — take out existing debt / release equity under a clean first charge
2. Key product facts
| Security | First legal charge on Malaysian property. Second-charge and unsecured facilities are outside this product set. |
|---|---|
| Indicative rate | From 12% p.a. (indicative). Actual pricing is set in the funder’s letter of offer and depends on asset, borrower, tenor, and risk. |
| Typical LTV | Typically 50–70% of assessed market value (not SPA price alone). Auction and forced-sale cases are often sized toward the cautious end. |
| Income proof | Not required. These are property-backed / asset-based facilities. Income documents, payslips, and EA forms are not required for this product path — underwriting centres on title, valuation, first charge, and exit. Funders may still require identity / company documents. |
| Tenor | Short- to medium-term, aligned to the stated exit (bank takeout, sale, or cash settlement). Exact tenor is in the funder’s offer. |
| Currency | Malaysian Ringgit (MYR), unless otherwise stated in the offer. |
| Who lends | Licensed funders introduced for suitable cases. Rahman Capital does not hold itself out as the licensed lender on this site. |
| Geography | Malaysia — titled property that can support first-charge registration. |
3. Fees & costs (indicative)
Besides interest, a facility may involve valuation fees, legal / stamp duty for charge registration, redemption costs for existing charges, and funder arrangement or processing fees. Exact fees are disclosed in the funder’s letter of offer and related legal documents — not fixed on this website.
4. Eligibility (high level)
- Property title that can take a first charge (after any required redemption / transfer)
- Quantum inside a realistic 50–70% LTV of assessed value
- Clear use of funds and exit plan within the proposed tenor
- Identity / entity documents (NRIC, SSM, etc.) as required by the funder
- Income proof / income documents are not required for this property-backed path
See Methodology (property → value → LTV) and How it works for the process sequence. Capital partners: Place funds (with licensed funders, not Rahman Capital).
5. Key risks
- No approval guaranteed — screening does not bind a funder to lend.
- Valuation risk — assessed value may be lower than SPA, reserve, or asking price; LTV is on assessed value.
- Title / legal risk — caveats, occupation, incomplete transfer, or inability to perfect a first charge can block or delay drawdown.
- Timing risk — auction, SPA, and bank calendars may still miss your deadline even with a bridge path.
- Cost risk — bridging / private first-charge pricing is typically higher than long-term bank home loans.
- Default / enforcement — failure to repay can lead to enforcement of the charge over the property under the funder’s documents and Malaysian law.
- Interest & fee changes — final terms may differ from website illustrations.
6. What this sheet is not
- Not a prospectus, investment product, or securities offer
- Not personal financial, legal, or tax advice
- Not a commitment to arrange or fund any specific case
- Not a substitute for the funder’s letter of offer, charge documents, and independent advice
7. How to proceed
WhatsApp +601154184453 with property type, location, estimated value, existing charges, amount needed, and use case. Soft screen first; valuation and legal follow only for progressing cases.