Bank Islam
Baiti Home Financing-i
Bank Islam Baiti Home Financing-i is an Islamic home financing-i, from 3.55% (As low as SBR + 0.80%), up to 90% margin, 35-year tenure.
- Type
- Islamic financing
- Shariah contract
- Tawarruq
- Flexibility
- Not stated
- Rate
- 3.55%
- Rate basis
- As low as SBR + 0.80%
- Max margin
- 90%
- Max tenure
- 35 years
- Lock-in
- None
Key features
- No processing fee
- No compounding
- LPPSA top-up option for civil servants
Example monthly instalment
At 3.55% on a RM 450,000 loan over 30 years:
RM 2,033 /month
Try your own numbersSimilar packages from other banks
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| Al Rajhi Bank MalaysiaHome Financing-iIslamic | 3.65%As low as SBR + 0.90%; ceiling 10% | None | 90% |
| Bank RakyatHome Financing-i My 1st HomeIslamic | 4.10%SBR + 1.35% | — | 110% |
| Kuwait Finance House MalaysiaIjarah Muntahiah Bi Tamlik Home Financing-iIslamic | 4.20%SBR + 1.45% (refinance, PDS); ceiling 12% | None | 95% |
| MBSB BankStandard Home Financing-iIslamic | 4.20%Indicative effective rate (bank example); ceiling 11% | None | 90% |
| MBSB BankUltimate Home Financing-iIslamic | 4.20%Indicative effective rate (bank example); ceiling 11% | None | 90% |
| Kuwait Finance House MalaysiaIjarah Mausufah Fi Zimmah Home Financing-iIslamic | 4.30%SBR + 1.55% (PDS tier) | None | 95% |
Al Rajhi Bank Malaysia
Home Financing-i3.65%
Islamic· Lock-in None · Margin 90%
Bank Rakyat
Home Financing-i My 1st Home4.10%
Islamic· Lock-in — · Margin 110%
Kuwait Finance House Malaysia
Ijarah Muntahiah Bi Tamlik Home Financing-i4.20%
Islamic· Lock-in None · Margin 95%
MBSB Bank
Standard Home Financing-i4.20%
Islamic· Lock-in None · Margin 90%
MBSB Bank
Ultimate Home Financing-i4.20%
Islamic· Lock-in None · Margin 90%
Kuwait Finance House Malaysia
Ijarah Mausufah Fi Zimmah Home Financing-i4.30%
Islamic· Lock-in None · 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.
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.