Public Bank
Term Equity Financing-i (TEF-i)
Public Bank Term Equity Financing-i (TEF-i) is an Islamic term (non-flexi) home financing-i, rate on request, 25-year tenure.
- Type
- Islamic financing
- Shariah contract
- Musharakah Mutanaqisah
- Flexibility
- Term (non-flexi)
- Rate
- On request
- Rate basis
- SBR + spread (not published); ceiling BFR + 4%
- Max margin
- Not stated
- Max tenure
- 25 years
- Lock-in
- None
Key features
- Agricultural, industrial and vacant land
- Shops, warehouses, factories, plant and machinery
- Redraw facility
- No lock-in or early termination fee
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.