Affin Bank
AFFIN Home Reno-i
AFFIN Home Reno-i is an Islamic semi flexi home financing-i, from 4.75% (SBR + 2.00% PDS illustration), up to 120% margin, 35-year tenure.
- Type
- Islamic financing
- Shariah contract
- Tawarruq
- Flexibility
- Semi flexi
- Rate
- 4.75%
- Rate basis
- SBR + 2.00% (PDS illustration)
- Max margin
- 120%
- Max tenure
- 35 years
- Lock-in
- None
Key features
- 90% of the property plus 30% for renovation
- Minimum income RM5,000
Example monthly instalment
At 4.75% on a RM 450,000 loan over 30 years:
RM 2,347 /month
Try your own numbersSimilar packages from other banks
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| BSNBSN MyHome-iIslamicSemi flexi | 3.65%From SBR + 0.90% (tiered by amount) | None | 95% |
| Bank RakyatHome Financing-i FlexiIslamicSemi flexi | 4.25%SBR + 1.50% (RM300k and above) | None | 95% |
| Bank MuamalatSMART Mortgage FLEXIIslamicSemi flexi | 4.35%SBR + 1.60% (bank illustration) | None | — |
| UOB MalaysiaHome Financing-iIslamicSemi flexi | 4.36%SIBR + 1.61% (PDS illustration); ceiling-capped | — | 95% |
| Alliance BankAlliance Home Financing-iIslamicSemi flexi | 5.00%SBR + 2.25% (PDS illustration); ceiling 9.90% | — | — |
BSN
BSN MyHome-i3.65%
IslamicSemi flexi· Lock-in None · Margin 95%
Bank Rakyat
Home Financing-i Flexi4.25%
IslamicSemi flexi· Lock-in None · Margin 95%
Bank Muamalat
SMART Mortgage FLEXI4.35%
IslamicSemi flexi· Lock-in None · Margin —
UOB Malaysia
Home Financing-i4.36%
IslamicSemi flexi· Lock-in — · Margin 95%
Alliance Bank
Alliance Home Financing-i5.00%
IslamicSemi flexi· Lock-in — · Margin —
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.