OCBC Malaysia
OCBC Home Loan
OCBC Home Loan is a conventional semi flexi home loan, from 4.45% (SBR + 1.70% indicative), 35-year tenure.
- Type
- Conventional loan
- Flexibility
- Semi flexi
- Rate
- 4.45%
- Rate basis
- SBR + 1.70% (indicative)
- Max margin
- Not stated
- Max tenure
- 35 years
- Lock-in
- None
Key features
- No lock-in, no early settlement penalty
- Extra payments any time with no fee
- Term loan, overdraft or combination
- Refinance with cash-out
Example monthly instalment
At 4.45% on a RM 450,000 loan over 30 years:
RM 2,267 /month
Try your own numbersSimilar packages from other banks
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| Affin BankAFFIN Home Solution PlusConventionalSemi flexi | 3.95%SBR + 1.20% (PDS illustration) | None | 90% |
| Affin BankAFFIN Home Step FastConventionalSemi flexi | 3.95%SBR + 1.20% (PDS illustration) | None | 90% |
| AmBankHome Loan (Variable Rate)ConventionalSemi flexi | 4.00%SBR + spread (PDS illustration) | — | 95% |
| Affin BankAFFIN CagaFirstConventionalSemi flexi | 4.35%SBR + 1.60% (PDS illustration) | None | 100% |
| Affin BankAFFIN SJKP MADANI 2.0ConventionalSemi flexi | 4.35%SBR + 1.60% (PDS illustration) | None | 100% |
| UOB MalaysiaHome Loan for First-Time House BuyersConventionalSemi flexi | 4.36%SBR + 1.61% (PDS illustration) | 5 yrs | — |
Affin Bank
AFFIN Home Solution Plus3.95%
ConventionalSemi flexi· Lock-in None · Margin 90%
Affin Bank
AFFIN Home Step Fast3.95%
ConventionalSemi flexi· Lock-in None · Margin 90%
4.00%
ConventionalSemi flexi· Lock-in — · Margin 95%
Affin Bank
AFFIN CagaFirst4.35%
ConventionalSemi flexi· Lock-in None · Margin 100%
Affin Bank
AFFIN SJKP MADANI 2.04.35%
ConventionalSemi flexi· Lock-in None · Margin 100%
UOB Malaysia
Home Loan for First-Time House Buyers4.36%
ConventionalSemi flexi· Lock-in 5 yrs · 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.