Affin Bank
AFFIN CagaFirst
AFFIN CagaFirst is a conventional semi flexi home loan, from 4.35% (SBR + 1.60% PDS illustration), up to 100% margin, 35-year tenure.
- Type
- Conventional loan
- Flexibility
- Semi flexi
- Rate
- 4.35%
- Rate basis
- SBR + 1.60% (PDS illustration)
- Max margin
- 100%
- Max tenure
- 35 years
- Lock-in
- None
Key features
- Cagamas-guaranteed first home
- Extra 10% for MRTA, legal and other costs
- Loans up to RM500,000
Example monthly instalment
At 4.35% on a RM 450,000 loan over 30 years:
RM 2,240 /month
Try your own numbersSimilar packages from other banks
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| AmBankHome Loan (Variable Rate)ConventionalSemi flexi | 4.00%SBR + spread (PDS illustration) | — | 95% |
| UOB MalaysiaHome Loan for First-Time House BuyersConventionalSemi flexi | 4.36%SBR + 1.61% (PDS illustration) | 5 yrs | — |
| UOB MalaysiaIntelligent Home LoanConventionalSemi flexi | 4.36%SBR + 1.61% (PDS illustration) | — | 95% |
| OCBC MalaysiaOCBC Home LoanConventionalSemi flexi | 4.45%SBR + 1.70% (indicative) | None | — |
| Alliance BankAlliance FlexSave Home LoanConventionalSemi flexi | 5.00%SBR + 2.25% (PDS illustration) | — | 90% |
4.00%
ConventionalSemi flexi· Lock-in — · Margin 95%
UOB Malaysia
Home Loan for First-Time House Buyers4.36%
ConventionalSemi flexi· Lock-in 5 yrs · Margin —
UOB Malaysia
Intelligent Home Loan4.36%
ConventionalSemi flexi· Lock-in — · Margin 95%
OCBC Malaysia
OCBC Home Loan4.45%
ConventionalSemi flexi· Lock-in None · Margin —
Alliance Bank
Alliance FlexSave Home Loan5.00%
ConventionalSemi 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 21 October 2026. EstateBuds doesn’t give financial advice; confirm terms with the bank before applying.