Bank Rakyat
Home Financing-i
Bank Rakyat Home Financing-i is an Islamic term (non-flexi) home financing-i, from 4.20% (SBR + 1.45% RM300k and above), up to 95% margin, 35-year tenure.
- Type
- Islamic financing
- Shariah contract
- Tawarruq
- Flexibility
- Term (non-flexi)
- Rate
- 4.20%
- Rate basis
- SBR + 1.45% (RM300k and above)
- Max margin
- 95%
- Max tenure
- 35 years
- Lock-in
- None
Key features
- 95% including MRTT, legal and valuation
- Salary or BPA deduction
- Subsale, auction, refinance or house construction
Example monthly instalment
At 4.20% on a RM 450,000 loan over 30 years:
RM 2,201 /month
Try your own numbersSimilar packages from other banks
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| Bank MuamalatSMART Mortgage HOMEIslamicTerm (non-flexi) | 4.45%SBR + 1.70% (PDS illustration); ceiling 10.50% | None | — |
| OCBC MalaysiaCommodity Murabahah Home Financing-i (OCBC Al-Amin)IslamicTerm (non-flexi) | 4.45%SBR + 1.70% (indicative); ceiling profit rate 15% | None | — |
Bank Muamalat
SMART Mortgage HOME4.45%
IslamicTerm (non-flexi)· Lock-in None · Margin —
OCBC Malaysia
Commodity Murabahah Home Financing-i (OCBC Al-Amin)4.45%
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.
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.