Bank Islam home loans
Islamic bankBank Islam offers 3 home loan and financing packages on EstateBuds. New floating-rate packages are priced on its SBR of 2.75% plus a spread. Its lowest published rate is 3.55% (Baiti Home Financing-i).
Islamic home financing
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| Bank IslamBaiti Home Financing-iIslamic | 3.55%As low as SBR + 0.80% | None | 90% |
| Bank IslamWahdah Home Refinancing-iIslamic | 3.55%As low as SBR + 0.80% | None | 90% |
| Bank IslamSJKP MADANI Home Financing-iIslamic | 4.50%SBR + 1.75% (RM300k and below) | — | 100% |
Bank Islam
Baiti Home Financing-i3.55%
Islamic· Lock-in None · Margin 90%
Bank Islam
Wahdah Home Refinancing-i3.55%
Islamic· Lock-in None · Margin 90%
Bank Islam
SJKP MADANI Home Financing-i4.50%
Islamic· Lock-in — · Margin 100%
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 |
|---|---|---|---|
| Bank IslamBiz Smart Property Financing ProgramIslamic | 4.37%BFR − 2.10% (PDS illustration, Apr 2026); ceiling 15% | None | — |
| Bank IslamBusiness Premises FinancingIslamic | On requestRate on request | — | 150% |
Bank Islam
Biz Smart Property Financing Program4.37%
Islamic· Lock-in None · Margin —
Bank Islam
Business Premises FinancingOn request
Islamic· Lock-in — · Margin 150%
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 Bank Islam home loan interest rate?
Bank Islam publishes 3.55% for Baiti Home Financing-i; 3.55% for Wahdah Home Refinancing-i; 4.50% for SJKP MADANI Home Financing-i. These are the bank’s own examples; your rate is set on approval.
Does Bank Islam offer Islamic home financing?
Yes: Baiti Home Financing-i (Tawarruq), Wahdah Home Refinancing-i (Tawarruq), SJKP MADANI Home Financing-i.