Public Bank home loans
Public Bank offers 3 home loan and financing packages on EstateBuds. Options include semi flexi structures. New floating-rate packages are priced on its SBR of 2.75% plus a spread. Public Bank doesn’t publish its spreads; rates are given on application.
Conventional home loans
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| Public Bank5HOME PlanConventionalSemi flexi | On requestFloating (SBR-pegged) or fixed options | — | 90% |
| Public BankFirst Home Mortgage Guarantee Programme (FHMGP)Conventional | On requestRate on request | — | 100% |
| Public BankMORE Plan (refinancing)ConventionalSemi flexi | On requestFloating | — | — |
Public Bank
5HOME PlanOn request
ConventionalSemi flexi· Lock-in — · Margin 90%
On request
Conventional· Lock-in — · Margin 100%
Public Bank
MORE Plan (refinancing)On request
ConventionalSemi flexi· Lock-in — · 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 |
|---|---|---|---|
| Public BankSWIFT PlanConventional | 4.30%SBR + 1.55% (PDS illustration, 2026) | None | — |
| Public BankSWIFT TEF-iIslamicTerm (non-flexi) | On requestSBR + spread (not published); ceiling BFR + 4% | None | — |
| Public BankTerm Equity Financing-i (TEF-i)IslamicTerm (non-flexi) | On requestSBR + spread (not published); ceiling BFR + 4% | None | — |
Public Bank
SWIFT Plan4.30%
Conventional· Lock-in None · Margin —
Public Bank
SWIFT TEF-iOn request
IslamicTerm (non-flexi)· Lock-in None · Margin —
Public Bank
Term Equity Financing-i (TEF-i)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.
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 Public Bank home loan interest rate?
Public Bank doesn’t publish a rate for its home packages. They are priced at its SBR (2.75%) plus a spread set when you apply.