BSN
BSN MyHome-i SJKP-MADANI
BSN MyHome-i SJKP-MADANI is an Islamic home financing-i, from 4.35% (SBR + 1.60%), up to 120% margin, 35-year tenure.
- Type
- Islamic financing
- Shariah contract
- Tawarruq (Commodity Murabahah)
- Flexibility
- Not stated
- Rate
- 4.35%
- Rate basis
- SBR + 1.60%
- Max margin
- 120%
- Max tenure
- 35 years
- Lock-in
- Not stated
Key features
- Government-guaranteed first home
- 100% plus up to 20% for MRTT, legal and valuation
- For gig, self-employed and fixed-income earners
Example monthly instalment
At 4.35% on a RM 450,000 loan over 30 years:
RM 2,240 /month
Try your own numbersSimilar packages from other banks
| 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% |
| 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% |
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%
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%
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.