Bank Muamalat home loans
Islamic bankBank Muamalat offers 6 home loan and financing packages on EstateBuds. Options include semi flexi, term (non-flexi) structures. New floating-rate packages are priced on its SBR of 2.75% plus a spread. Its lowest published rate is 4.35% (SMART Mortgage FLEXI).
Islamic home financing
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| Bank MuamalatSMART Mortgage FLEXIIslamicSemi flexi | 4.35%SBR + 1.60% (bank illustration) | None | — |
| Bank MuamalatSMART Mortgage HOMEIslamicTerm (non-flexi) | 4.45%SBR + 1.70% (PDS illustration); ceiling 10.50% | None | — |
| Bank MuamalatSMART Mortgage Green PLUSIslamicTerm (non-flexi) | On requestRate on request | None | 110% |
| Bank MuamalatSMART Mortgage SJKPIslamicTerm (non-flexi) | On requestRate on request (step-up option) | None | 120% |
| Bank MuamalatSMART Mortgage Skim Rumah Pertamaku PLUSIslamicTerm (non-flexi) | On requestRate on request | None | 110% |
| Bank MuamalatSMART Mortgage Solution (refinancing)IslamicTerm (non-flexi) | On requestRate on request | None | — |
Bank Muamalat
SMART Mortgage FLEXI4.35%
IslamicSemi flexi· Lock-in None · Margin —
Bank Muamalat
SMART Mortgage HOME4.45%
IslamicTerm (non-flexi)· Lock-in None · Margin —
Bank Muamalat
SMART Mortgage Green PLUSOn request
IslamicTerm (non-flexi)· Lock-in None · Margin 110%
Bank Muamalat
SMART Mortgage SJKPOn request
IslamicTerm (non-flexi)· Lock-in None · Margin 120%
Bank Muamalat
SMART Mortgage Skim Rumah Pertamaku PLUSOn request
IslamicTerm (non-flexi)· Lock-in None · Margin 110%
Bank Muamalat
SMART Mortgage Solution (refinancing)On request
IslamicTerm (non-flexi)· Lock-in None · 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.
Land, commercial and industrial financing
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| Bank MuamalatCommercial Property Financing (CPF)Islamic | On requestUp to BFR − 1.8%, credit-scored | — | 90% |
| Bank MuamalatCommercial Property Financing – SMEIslamic | On requestUp to BFR − 1.8%, credit-scored | — | 90% |
| Bank MuamalatSMART Mortgage Land Financing-iIslamic | On requestRate on request | — | 50% |
Bank Muamalat
Commercial Property Financing (CPF)On request
Islamic· Lock-in — · Margin 90%
Bank Muamalat
Commercial Property Financing – SMEOn request
Islamic· Lock-in — · Margin 90%
Bank Muamalat
SMART Mortgage Land Financing-iOn request
Islamic· Lock-in — · Margin 50%
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 Muamalat home loan interest rate?
Bank Muamalat publishes 4.35% for SMART Mortgage FLEXI; 4.45% for SMART Mortgage HOME. These are the bank’s own examples; your rate is set on approval.
Does Bank Muamalat offer Islamic home financing?
Yes: SMART Mortgage FLEXI (Tawarruq), SMART Mortgage HOME (Tawarruq), SMART Mortgage Green PLUS (Tawarruq), SMART Mortgage SJKP (Tawarruq / Istisna), SMART Mortgage Skim Rumah Pertamaku PLUS (Tawarruq), SMART Mortgage Solution (refinancing) (Tawarruq).