Conventional home loans
Conventional home loans in Malaysia charge interest at the bank’s Standard Base Rate (SBR) plus a spread. The SBR moves with Bank Negara’s Overnight Policy Rate, so your instalment changes when the OPR changes.
Packages differ mainly in flexibility (full flexi, semi flexi or term), the spread, fees, and whether there is a lock-in period with an early settlement penalty.
- Packages
- 34
- Banks
- 13
- Lowest published rate
- 3.65%
- Base rate (SBR)
- 2.75%
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| BSNBSN MyHomeConventional | 3.65%From SBR + 0.90% (tiered by amount) | None | 95% |
| Affin BankAFFIN Home Flexi PlusConventionalFull flexi | 3.95%SBR + 1.20% (PDS illustration) | None | 90% |
| 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% |
| AmBankHomeLinkConventionalFull flexi | 4.00%SBR + spread (PDS illustration) | — | 95% |
| Alliance BankAlliance Housing LoanConventional | 4.11%SBR + 1.36% to 2.96% (PDS range) | None | 90% |
| Affin BankAFFIN Flexi SaveConventionalFull flexi | 4.28%SBR + 1.53% (PDS illustration) | None | 90% |
| CIMBCIMB HomeFlexi SmartConventionalFull flexi | 4.30%SBR + 1.55% (CIMB 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 MalaysiaFlexi MortgageConventionalFull flexi | 4.36%SBR + 1.61% (PDS illustration) | — | 95% |
| UOB MalaysiaHome Loan for First-Time House BuyersConventionalSemi flexi | 4.36%SBR + 1.61% (PDS illustration) | 5 yrs | — |
| UOB MalaysiaIntelligent Home LoanConventionalSemi flexi | 4.36%SBR + 1.61% (PDS illustration) | — | 95% |
| OCBC MalaysiaOCBC Home LoanConventionalSemi flexi | 4.45%SBR + 1.70% (indicative) | None | — |
BSN
BSN MyHome3.65%
Conventional· Lock-in None · Margin 95%
Affin Bank
AFFIN Home Flexi Plus3.95%
ConventionalFull flexi· Lock-in None · Margin 90%
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%
AmBank
HomeLink4.00%
ConventionalFull flexi· Lock-in — · Margin 95%
Alliance Bank
Alliance Housing Loan4.11%
Conventional· Lock-in None · Margin 90%
Affin Bank
AFFIN Flexi Save4.28%
ConventionalFull flexi· Lock-in None · Margin 90%
4.30%
ConventionalFull 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
Flexi Mortgage4.36%
ConventionalFull flexi· Lock-in — · Margin 95%
UOB Malaysia
Home Loan for First-Time House Buyers4.36%
ConventionalSemi flexi· Lock-in 5 yrs · Margin —
UOB Malaysia
Intelligent Home Loan4.36%
ConventionalSemi flexi· Lock-in — · Margin 95%
OCBC Malaysia
OCBC Home Loan4.45%
ConventionalSemi 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
Which banks offer conventional home loans?
13 banks: BSN, Affin Bank, AmBank, Alliance Bank, CIMB, UOB Malaysia, OCBC Malaysia, HSBC Malaysia, Hong Leong Bank, Maybank, Public Bank, RHB, Standard Chartered Malaysia.
What is the lowest published rate for conventional home loans?
3.65% for BSN BSN MyHome (From SBR + 0.90% (tiered by amount)). 15 of 34 packages don’t publish a rate.
What is the Standard Base Rate (SBR)?
The reference rate banks use to price new floating-rate home loans. It is linked to Bank Negara’s OPR; your rate is the SBR plus a spread set when you are approved.