Bank Rakyat
Home Financing-i Flexi
Bank Rakyat Home Financing-i Flexi is an Islamic semi flexi home financing-i, from 4.25% (SBR + 1.50% RM300k and above), up to 95% margin, 35-year tenure.
- Type
- Islamic financing
- Shariah contract
- Tawarruq
- Flexibility
- Semi flexi
- Rate
- 4.25%
- Rate basis
- SBR + 1.50% (RM300k and above)
- Max margin
- 95%
- Max tenure
- 35 years
- Lock-in
- None
Key features
- Withdraw excess payments with no charge
- No flexi maintenance fee
Example monthly instalment
At 4.25% on a RM 450,000 loan over 30 years:
RM 2,214 /month
Try your own numbersSimilar packages from other banks
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| BSNBSN MyHome-iIslamicSemi flexi | 3.65%From SBR + 0.90% (tiered by amount) | None | 95% |
| Affin BankAFFIN Home Flexi Plus-iIslamicSemi flexi | 4.30%SBR + 1.55% (PDS illustration) | None | 90% |
| Affin BankAFFIN Home Invest-iIslamicSemi flexi | 4.30%SBR + 1.55% (PDS illustration); ceiling 10% | None | 90% |
| Affin BankAFFIN Home Step Fast-iIslamicSemi flexi | 4.30%SBR + 1.55% (PDS illustration) | None | 90% |
| Affin BankAFFIN Home-i SJKP-MADANI 2.0IslamicSemi flexi | 4.30%SBR + 1.55% (PDS illustration) | None | — |
| Affin BankAFFIN Tawarruq Home Financing-iIslamicSemi flexi | 4.30%SBR + 1.55% (PDS illustration) | None | 90% |
BSN
BSN MyHome-i3.65%
IslamicSemi flexi· Lock-in None · Margin 95%
Affin Bank
AFFIN Home Flexi Plus-i4.30%
IslamicSemi flexi· Lock-in None · Margin 90%
Affin Bank
AFFIN Home Invest-i4.30%
IslamicSemi flexi· Lock-in None · Margin 90%
Affin Bank
AFFIN Home Step Fast-i4.30%
IslamicSemi flexi· Lock-in None · Margin 90%
Affin Bank
AFFIN Home-i SJKP-MADANI 2.04.30%
IslamicSemi flexi· Lock-in None · Margin —
Affin Bank
AFFIN Tawarruq Home Financing-i4.30%
IslamicSemi flexi· Lock-in None · Margin 90%
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.