Home loans in Malaysia
80 packages from 20 banks. Lowest published rate: 3.55% (Bank Islam). All banks price new floating-rate loans on a 2.75% Standard Base Rate.
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Compare packages · monthly for a RM 540,000 loan
| Bank / package | Rate | Est. monthly | Lock-in | Margin | Action |
|---|---|---|---|---|---|
| Bank IslamBaiti Home Financing-iIslamic | 3.55%As low as SBR + 0.80% | RM 2,247 | None | 90% | |
| Bank IslamWahdah Home Refinancing-iIslamic | 3.55%As low as SBR + 0.80% | RM 2,247 | None | 90% | |
| Al Rajhi Bank MalaysiaHome Financing-iIslamic | 3.65%As low as SBR + 0.90%; ceiling 10% | RM 2,279 | None | 90% | |
| BSNBSN MyHomeConventional | 3.65%From SBR + 0.90% (tiered by amount) | RM 2,279 | None | 95% | |
| BSNBSN MyHome-iIslamicSemi flexi | 3.65%From SBR + 0.90% (tiered by amount) | RM 2,279 | None | 95% | |
| Affin BankAFFIN Home Flexi PlusConventionalFull flexi | 3.95%SBR + 1.20% (PDS illustration) | RM 2,375 | None | 90% | |
| Affin BankAFFIN Home Solution PlusConventionalSemi flexi | 3.95%SBR + 1.20% (PDS illustration) | RM 2,375 | None | 90% | |
| Affin BankAFFIN Home Step FastConventionalSemi flexi | 3.95%SBR + 1.20% (PDS illustration) | RM 2,375 | None | 90% | |
| AmBankHome Loan (Variable Rate)ConventionalSemi flexi | 4.00%SBR + spread (PDS illustration) | RM 2,391 | — | 95% | |
| AmBankHomeLinkConventionalFull flexi | 4.00%SBR + spread (PDS illustration) | RM 2,391 | — | 95% | |
| Bank RakyatHome Financing-i My 1st HomeIslamic | 4.10%SBR + 1.35% | RM 2,423 | — | 110% | |
| Alliance BankAlliance FlexLink Home Financing-iIslamicFull flexi | 4.11%SBR + 1.36% (bank example) | RM 2,427 | — | 90% |
Bank Islam
Baiti Home Financing-i3.55%
RM 2,247/mo
Islamic· Lock-in None · Margin 90%
Bank Islam
Wahdah Home Refinancing-i3.55%
RM 2,247/mo
Islamic· Lock-in None · Margin 90%
Al Rajhi Bank Malaysia
Home Financing-i3.65%
RM 2,279/mo
Islamic· Lock-in None · Margin 90%
BSN
BSN MyHome3.65%
RM 2,279/mo
Conventional· Lock-in None · Margin 95%
BSN
BSN MyHome-i3.65%
RM 2,279/mo
IslamicSemi flexi· Lock-in None · Margin 95%
Affin Bank
AFFIN Home Flexi Plus3.95%
RM 2,375/mo
ConventionalFull flexi· Lock-in None · Margin 90%
Affin Bank
AFFIN Home Solution Plus3.95%
RM 2,375/mo
ConventionalSemi flexi· Lock-in None · Margin 90%
Affin Bank
AFFIN Home Step Fast3.95%
RM 2,375/mo
ConventionalSemi flexi· Lock-in None · Margin 90%
4.00%
RM 2,391/mo
ConventionalSemi flexi· Lock-in — · Margin 95%
AmBank
HomeLink4.00%
RM 2,391/mo
ConventionalFull flexi· Lock-in — · Margin 95%
Bank Rakyat
Home Financing-i My 1st Home4.10%
RM 2,423/mo
Islamic· Lock-in — · Margin 110%
Alliance Bank
Alliance FlexLink Home Financing-i4.11%
RM 2,427/mo
IslamicFull flexi· Lock-in — · Margin 90%
Rates are the figures each bank publishes; “On request” means it doesn’t publish one. Estimate only — the bank decides the final rate and approval.
Rates shown are the examples or “as low as” figures each bank publishes on its product page or Product Disclosure Sheet; “On request” means the bank doesn’t publish one. Your actual rate depends on your profile, loan size and lock-in, and is set when you’re approved.Checked 22 October 2026. EstateBuds doesn’t give financial advice; confirm terms with the bank before applying.