AmBank home loans
AmBank offers 3 home loan and financing packages on EstateBuds (2 conventional, 1 Islamic). Options include semi flexi, full flexi structures. New floating-rate packages are priced on its SBR of 2.75% plus a spread. Its lowest published rate is 4.00% (Home Loan (Variable Rate)).
Conventional home loans
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| AmBankHome Loan (Variable Rate)ConventionalSemi flexi | 4.00%SBR + spread (PDS illustration) | — | 95% |
| AmBankHomeLinkConventionalFull flexi | 4.00%SBR + spread (PDS illustration) | — | 95% |
4.00%
ConventionalSemi flexi· Lock-in — · Margin 95%
AmBank
HomeLink4.00%
ConventionalFull flexi· Lock-in — · Margin 95%
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.
Islamic home financing
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| AmBankHome Financing-iIslamicSemi flexi | On requestSBR + spread; ceiling profit rate 9.99% | — | 95% |
AmBank
Home Financing-iOn request
IslamicSemi flexi· Lock-in — · Margin 95%
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.
Land, commercial and industrial financing
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| AmBankBusiness Premise Financing-iIslamicTerm (non-flexi) | On requestBFR + spread (not published) | — | — |
| AmBankCommercial Property Loan / Property LinkConventionalFull flexi | On requestRate on request | — | 85% |
On request
IslamicTerm (non-flexi)· Lock-in — · Margin —
On request
ConventionalFull flexi· Lock-in — · Margin 85%
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.
Questions people ask
What is the AmBank home loan interest rate?
AmBank publishes 4.00% for Home Loan (Variable Rate); 4.00% for HomeLink. These are the bank’s own examples; your rate is set on approval.
Does AmBank offer Islamic home financing?
Yes: Home Financing-i (Tawarruq (Commodity Murabahah)).
Does AmBank have a full flexi home loan?
Yes: HomeLink.