Logo
Logo
FIND THE BEST HOME LOAN IN MALAYSIA
Compare all kinds of home loan offers in Malaysia and finance your dream home. Find a home loan with interest rates, loan amounts, and repayment terms that best fits your financial situation.
RM
years

We found 47 home loans for you.

 
FEATURED
Nett Effective Rate / Year:
4.35%
(BR + 1.350)
Base Rate:
3.00%
Monthly Repayment :
RM2,190
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Daily rate interest calculation
  • Earn interest of up to 1.85% pa for credit balances above RM5,000
  • Withdraw excess payments anytime
Nett Effective Rate / Year:
4.46%
(BR + 0.660)
Base Rate:
3.80%
Monthly Repayment :
RM2,215
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Daily interest calculation
  • Flexibility to redraw excess payment
  • Margin of financing: Up to 95% including MRTA financing

AFFIN HOME FLEXI PLUS

Nett Effective Rate / Year:
4.46%
(BR + 0.660)
Base Rate:
3.80%
Monthly Repayment :
RM2,215
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Daily interest calculation
  • Flexibility to redraw excess payment
  • Margin of financing: Up to 95% including MRTA financing
Nett Effective Rate / Year:
4.56%
(BR + 0.760)
Base Rate:
3.80%
Monthly Repayment :
RM2,237
Flexi Loan :
No
Lock-In Period :
5 years

Features

  • No downpayment needed
  • Residential property only
  • Margin of financing: Up to 100% financing
Nett Effective Rate / Year:
4.86%
(BR + 1.060)
Base Rate:
3.80%
Monthly Repayment :
RM2,306
Flexi Loan :
Yes
Lock-In Period :
None

Features

  • No lock in period
  • Ceiling rate protection
  • Margin of financing: Up to 95% including MRTT financing
Nett Effective Rate / Year:
4.99%
(BR + 4.99)
Base Rate:
0.00%
Monthly Repayment :
RM2,337
Flexi Loan :
Yes
Lock-In Period :
None

Features

  • Daily interest calculation
  • Flexibility for repayment
  • Zero moving cost features
Nett Effective Rate / Year:
5.1%
(BR + 1.280)
Base Rate:
3.82%
Monthly Repayment :
RM2,362
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Basic conventional home financing
  • Optional redraw facility which allows customer to deposit and withdraw excess fund and enjoy interest savings
  • No monthly maintenance fee
Nett Effective Rate / Year:
5.1%
(BR + 1.280)
Base Rate:
3.82%
Monthly Repayment :
RM2,362
Flexi Loan :
No
Lock-In Period :
3 years

Features

  • No set up or monthly maintenance fee
  • Ceiling rate protection
  • Deduction or waiver on stamp duty cost

AMBANK HOME LOAN

Nett Effective Rate / Year:
4.26%
(BR + 0.460)
Base Rate:
3.80%
Monthly Repayment :
RM2,170
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Option to make extra repayments to reduce loan interest
  • Excess payments can be withdrawn in times of emergency
  • This product comes with Ambank Visa/Master/CARz credit card (for single applicant only)

AMBANK HOME LINK

Nett Effective Rate / Year:
4.26%
(BR + 0.460)
Base Rate:
3.80%
Monthly Repayment :
RM2,170
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • The more funds in your linked current account, the greater your savings on loan interest and potentially shorten the loan tenure
  • Instant cash withdrawal via ATM or cheque book on your excess payments
  • Integrated account with monthly-consolidated statement for easy monitoring

AMBANK HOME LOAN-I

Nett Effective Rate / Year:
4.26%
(BR + 0.460)
Base Rate:
3.80%
Monthly Repayment :
RM2,170
Flexi Loan :
No
Lock-In Period :
3 years

Features

  • Profit is calculated based on fixed or variable rates or combination of both
  • Protected throughout the financing period with capping rate (for BBA contract only)
  • Margin of financing: Up to 95% including MRTT financing
Nett Effective Rate / Year:
4.25%
(BR + 0.550)
Base Rate:
3.70%
Monthly Repayment :
RM2,167
Flexi Loan :
No
Lock-In Period :
None

Features

  • Margin of financing: Up to 90% financing
  • 20% discount on Stamp Duty for Perfecting The Bank’s Securities Documentation
  • Payment Holiday features
Nett Effective Rate / Year:
4.25%
(BR + 0.550)
Base Rate:
3.70%
Monthly Repayment :
RM2,167
Flexi Loan :
No
Lock-In Period :
None

Features

  • Margin of financing: Up to 100% against SPA/OMV, whichever is lower + 5% for MRTT and LTHT
  • For the purchase of residential property value RM100,000 up to RM500,000
  • Longer financing tenure up to 35 years or 65 years old, whichever comes earlier
Nett Effective Rate / Year:
4.25%
(BR + 0.550)
Base Rate:
3.70%
Monthly Repayment :
RM2,167
Flexi Loan :
No
Lock-In Period :
None

Features

  • Margin of financing: Up to 90% financing
  • Payment Holiday features
  • Ceiling rate protection
Nett Effective Rate / Year:
4.67%
(BR + 0.800)
Base Rate:
3.87%
Monthly Repayment :
RM2,263
Flexi Loan :
No
Lock-In Period :
5 years

Features

  • Margin of financing: Up to 95% including MRTT financing
  • Lower profit rate with Takaful or MRTT
  • Longer finance tenure up to 35 years or 70 years of age, whichever is earlier
Nett Effective Rate / Year:
5.05%
(BR + 1.150)
Base Rate:
3.90%
Monthly Repayment :
RM2,351
Flexi Loan :
No
Lock-In Period :
None

Features

  • Margin of financing: Up to 90% + MCRE
  • Guaranteed peace-of-mind with competitive capped rate at 10.50%
  • Deduction or waiver on stamp duty cost

CIMB HOME LOAN

Nett Effective Rate / Year:
4.55%
(BR + 0.650)
Base Rate:
3.90%
Monthly Repayment :
RM2,235
Flexi Loan :
No
Lock-In Period :
3 years

Features

  • Margin of financing: Up to 90% + 5% (GMTA/Legal/Valuation)
  • Flexible loan tenure up to 35 years or 70 years of age, whichever is earlier
  • Financing for completed or under construction residential properties

CIMB HOME FLEXI

Nett Effective Rate / Year:
4.55%
(BR + 0.650)
Base Rate:
3.90%
Monthly Repayment :
RM2,235
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Margin of financing: Up to 90% + 5% (GMTA/Legal/Valuation)
  • Flexible of repayment
  • Withdrawal excess payment with no extra charges
Nett Effective Rate / Year:
4.55%
(BR + 0.650)
Base Rate:
3.90%
Monthly Repayment :
RM2,235
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Margin of financing: Up to 90% + 5% (GMTA/Legal/Valuation)
  • No processing / set up / maintenance fee
  • Save on interest when you make prepayment which reduces the outstanding principal loan amount
Nett Effective Rate / Year:
4.55%
(BR + 0.650)
Base Rate:
3.90%
Monthly Repayment :
RM2,235
Flexi Loan :
No
Lock-In Period :
3 years

Features

  • Margin of financing: Up to 100% financing
  • No processing fee
  • For first time home buyer
Nett Effective Rate / Year:
4.55%
(BR + 0.650)
Base Rate:
3.90%
Monthly Repayment :
RM2,235
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Margin of financing: Up to 90% + 5% (GMTA/Legal/Valuation)
  • Deduction or waiver on stamp duty cost
  • No compounding of profit charges for capping upon fluctuation Base Rate
Nett Effective Rate / Year:
4.55%
(BR + 0.900)
Base Rate:
3.65%
Monthly Repayment :
RM2,235
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Flexible to deposit more than your monthly instalment and to withdraw excess amount anytime, no notice required.
  • Daily interest calculation for interest savings
  • Option to start your principal repayments immediately even if your property is under construction

CITIBANK HOMECREDIT

Nett Effective Rate / Year:
4.55%
(BR + 0.900)
Base Rate:
3.65%
Monthly Repayment :
RM2,235
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Single integrated account allows you to consolidate all your deposits and housing loan accounts
  • Pay-as-you-wish and save on interest
  • Payment and withdrawal flexibility with no notice required, and no fees charged
Nett Effective Rate / Year:
4.3%
(BR + 0.460)
Base Rate:
3.84%
Monthly Repayment :
RM2,179
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Competitive loan package
  • Flexible repayment
  • Extra margin for MDTA financing
Nett Effective Rate / Year:
4.3%
(BR + 0.460)
Base Rate:
3.84%
Monthly Repayment :
RM2,179
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Daily interest calculation to save on interest
  • Flexiblity in repayment and withdrawal of funds
  • Ability to pay-off loan faster
Nett Effective Rate / Year:
4.76%
(BR + 0.460)
Base Rate:
4.30%
Monthly Repayment :
RM2,283
Flexi Loan :
No
Lock-In Period :
3 years

Features

  • Financing tenure up to 30 years
  • Instalment payable via monthly salary deduction or standing instruction
  • For first time home buyer
Nett Effective Rate / Year:
4.65%
(BR + 0.810)
Base Rate:
3.84%
Monthly Repayment :
RM2,258
Flexi Loan :
No
Lock-In Period :
3 years

Features

  • Competitive rate for more cost savings
  • Prepayment allow with no prior notice required
  • Ceiling rate protection

HSBC HOME SMART-I

Nett Effective Rate / Year:
4.6%
(BR + 1.100)
Base Rate:
3.50%
Monthly Repayment :
RM2,247
Flexi Loan :
Yes
Lock-In Period :
None

Features

  • Possibly reduce monthly payments
  • Free up cash for other priorities
  • Enjoy greater flexibility in managing cash flow

HSBC HOME SMART

Nett Effective Rate / Year:
4.6%
(BR + 1.100)
Base Rate:
3.50%
Monthly Repayment :
RM2,247
Flexi Loan :
Yes
Lock-In Period :
None

Features

  • Flexible features to let you rearrange life's priorities anytime
  • Daily interest calculation
  • Easy withdrawal of excess payments

ICBC MORTGAGE LOAN

Nett Effective Rate / Year:
4.75%
(BR + 0.730)
Base Rate:
4.02%
Monthly Repayment :
RM2,281
Flexi Loan :
No
Lock-In Period :
None

Features

  • Daily interest calculation
  • Higher margin of financing
  • Longer repayment tenure
Nett Effective Rate / Year:
4.45%
(BR + 1.490)
Base Rate:
2.96%
Monthly Repayment :
RM2,212
Flexi Loan :
No
Lock-In Period :
None

Features

  • Monthly reducing balance calculation
  • Margin of financing: Up to 90% + 5% MRTT financing
  • For completed properties
Nett Effective Rate / Year:
4.45%
(BR + 1.490)
Base Rate:
2.96%
Monthly Repayment :
RM2,212
Flexi Loan :
No
Lock-In Period :
None

Features

  • Monthly reducing balance calculation
  • Margin of financing: Up to 90% + 5% MRTT financing
  • For under construction properties
Nett Effective Rate / Year:
4.55%
(BR + 1.350)
Base Rate:
3.20%
Monthly Repayment :
RM2,235
Flexi Loan :
No
Lock-In Period :
None

Features

  • Choice of affordable fixed, tiered or variable profit rate
  • No early settlement charge / lock-in period penalty
  • Protection of ceiling rate upon the fluctuation of Islamic Base Rate (IBR) throughout tenure

OCBC HOME LOANS

Nett Effective Rate / Year:
4.88%
(BR + 1.030)
Base Rate:
3.85%
Monthly Repayment :
RM2,311
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Daily rate interest calculation
  • Repayment period up to 35 years or age 70, whichever is earlier
  • Able to redraw funds that have been repaid
Nett Effective Rate / Year:
4.88%
(BR + 1.030)
Base Rate:
3.85%
Monthly Repayment :
RM2,311
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Margin of financing: Up to 100% financing
  • Repayment period up to 35 years or age 65, whichever is earlier
  • For first time home buyer
Nett Effective Rate / Year:
5.05%
(BR + 1.030)
Base Rate:
4.02%
Monthly Repayment :
RM2,351
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Daily rate interest calculation
  • Repayment period up to 35 years or age 70, whichever is earlier
  • Discount or waiver on stamp duty for financing documents
Nett Effective Rate / Year:
4.35%
(BR + 0.800)
Base Rate:
3.55%
Monthly Repayment :
RM2,190
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Great savings as interest rates are calculated on daily rest
  • Credit cards with Exclusive Annual Fee Waiver for the entire loan tenure for eligible customers
  • Option for redraw facility
Nett Effective Rate / Year:
4.45%
(BR + 0.650)
Base Rate:
3.80%
Monthly Repayment :
RM2,212
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Margin of financing: Up to 90% + 5% MRTA financing
  • Enjoy interest savings and shorter loan tenure when you pay more for your new purchase and refinancing
  • Convenience to prepay and redraw anytime
Nett Effective Rate / Year:
4.45%
(BR + 0.650)
Base Rate:
3.80%
Monthly Repayment :
RM2,212
Flexi Loan :
No
Lock-In Period :
3 years

Features

  • Margin of financing: Up to 100% financing
  • Hassle free instalment payment via salary deduction or standing instruction
  • Suitable for first time home buyers
Nett Effective Rate / Year:
4.45%
(BR + 0.650)
Base Rate:
3.80%
Monthly Repayment :
RM2,212
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Margin of financing: Up to 90% + 5% including LRTT financing
  • Redraw facility option
  • Ceiling rate protection protects you from base rate fluctuationa
Nett Effective Rate / Year:
4.77%
(BR + 1.000)
Base Rate:
3.77%
Monthly Repayment :
RM2,286
Flexi Loan :
No
Lock-In Period :
3 years

Features

  • Term loan with fixed monthly instalment
Nett Effective Rate / Year:
4.77%
(BR + 1.000)
Base Rate:
3.77%
Monthly Repayment :
RM2,286
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Funds are available for redraw throughout the loan tenure for any purpose
  • We allow you to take a break from your repayment schedule with MortgageOneâ„¢
  • Interest is calculated based on your daily balances
Nett Effective Rate / Year:
4.77%
(BR + 1.000)
Base Rate:
3.77%
Monthly Repayment :
RM2,286
Flexi Loan :
No
Lock-In Period :
3 years

Features

  • Term loan with fixed monthly instalment
Nett Effective Rate / Year:
4.77%
(BR + 1.000)
Base Rate:
3.77%
Monthly Repayment :
RM2,286
Flexi Loan :
No
Lock-In Period :
None

Features

  • Be assured that your finances are managed ethically with Syariah-compliant term financing
  • Enjoy either stamp duty remission or full stamp duty waiver on financing documents
  • Ceiling rate protection protects you from base rate fluctuationa
Nett Effective Rate / Year:
4.77%
(BR + 1.000)
Base Rate:
3.77%
Monthly Repayment :
RM2,286
Flexi Loan :
Yes
Lock-In Period :
None

Features

  • Interest is calculated based on your daily balances
  • Enjoy either stamp duty remission or full stamp duty waiver on financing documents
  • Ceiling rate protection protects you from base rate fluctuationa
Nett Effective Rate / Year:
4.75%
(BR + 0.770)
Base Rate:
3.98%
Monthly Repayment :
RM2,281
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Convenience to arrange for repayments from daily to monthly
  • Pay more than your monthly instalment to save interest
  • Redraw your excess cash anytime

UOB FLEXI MORTGAGE

Nett Effective Rate / Year:
4.75%
(BR + 0.770)
Base Rate:
3.98%
Monthly Repayment :
RM2,281
Flexi Loan :
Yes
Lock-In Period :
3 years

Features

  • Pay more than your monthly instalment to save interest and shorten your financing period
  • Quick cash access via cheque or ATM withdrawal
  • Margin of financing: Up to 95% including MRTA financing
PRODUCT SHORTLISTED.
Select up to 3 product for comparison.
BolehCompare

BolehCompare.com

BolehCompare.com ("we") doesn't provide any financial or professional advice. We only provide a free and impartial price comparison service. We are neither liable nor responsible for any inaccurate information that may be viewed on this website. In case of any discrepancy between the information provided by BolehCompare.com and relevant information provided by banks, card issuers or card providers ("partner institutions"), the information provided by the partner institutions shall prevail. Please read carefully our terms and conditions and privacy policy for more information.