Alliance Bank
Alliance FlexLink Home Financing-i
Alliance FlexLink Home Financing-i is an Islamic full flexi home financing-i, from 4.11% (SBR + 1.36% bank example), up to 90% margin, 35-year tenure.
- Type
- Islamic financing
- Shariah contract
- Tawarruq (Commodity Murabahah)
- Flexibility
- Full flexi
- Rate
- 4.11%
- Rate basis
- SBR + 1.36% (bank example)
- Max margin
- 90%
- Max tenure
- 35 years
- Lock-in
- Not stated
Key features
- Current account-i offsets profit (up to 75%)
- No current account maintenance fee
- Completed, under-construction or subsale; refinancing
Example monthly instalment
At 4.11% on a RM 450,000 loan over 30 years:
RM 2,177 /month
Try your own numbersSimilar packages from other banks
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| HSBC MalaysiaHomeSmart-i (HSBC Amanah)IslamicFull flexi | 4.50%SBR + 1.75% (indicative, no lock-in) | — | — |
| Affin BankAFFIN Flexi Save-iIslamicFull flexi | 4.75%SBR + 2.00% (PDS illustration); ceiling 10% | None | 90% |
HSBC Malaysia
HomeSmart-i (HSBC Amanah)4.50%
IslamicFull flexi· Lock-in — · Margin —
Affin Bank
AFFIN Flexi Save-i4.75%
IslamicFull flexi· Lock-in None · 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.