Semi flexi home loans
A semi flexi loan lets you pay more than your instalment. The extra reduces the balance that interest is charged on, and you can usually take it back out by request, sometimes for a fee per withdrawal.
There is no linked current account, so no account fee. Semi flexi is the common middle ground for buyers who want to prepay without committing to a full flexi package.
- Packages
- 30
- Banks
- 12
- Lowest published rate
- 3.65%
- Base rate (SBR)
- 2.75%
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| BSNBSN MyHome-iIslamicSemi flexi | 3.65%From SBR + 0.90% (tiered by amount) | None | 95% |
| 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% |
| Bank RakyatHome Financing-i FlexiIslamicSemi flexi | 4.25%SBR + 1.50% (RM300k and above) | None | 95% |
| Affin BankAFFIN Home Flexi Plus-iIslamicSemi flexi | 4.30%SBR + 1.55% (PDS illustration) | None | 90% |
| Affin BankAFFIN Home Invest-iIslamicSemi flexi | 4.30%SBR + 1.55% (PDS illustration); ceiling 10% | None | 90% |
| Affin BankAFFIN Home Step Fast-iIslamicSemi flexi | 4.30%SBR + 1.55% (PDS illustration) | None | 90% |
| Affin BankAFFIN Home-i SJKP-MADANI 2.0IslamicSemi flexi | 4.30%SBR + 1.55% (PDS illustration) | None | — |
| Affin BankAFFIN Tawarruq Home Financing-iIslamicSemi flexi | 4.30%SBR + 1.55% (PDS illustration) | None | 90% |
| Affin BankAFFIN CagaFirstConventionalSemi flexi | 4.35%SBR + 1.60% (PDS illustration) | None | 100% |
| Affin BankAFFIN CagaFirst-iIslamicSemi flexi | 4.35%SBR + 1.60% (PDS illustration) | None | — |
| Affin BankAFFIN SJKP MADANI 2.0ConventionalSemi flexi | 4.35%SBR + 1.60% (PDS illustration) | None | 100% |
| Bank MuamalatSMART Mortgage FLEXIIslamicSemi flexi | 4.35%SBR + 1.60% (bank illustration) | None | — |
| UOB MalaysiaHome Financing-iIslamicSemi flexi | 4.36%SIBR + 1.61% (PDS illustration); ceiling-capped | — | 95% |
BSN
BSN MyHome-i3.65%
IslamicSemi flexi· Lock-in None · Margin 95%
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%
Bank Rakyat
Home Financing-i Flexi4.25%
IslamicSemi flexi· Lock-in None · Margin 95%
Affin Bank
AFFIN Home Flexi Plus-i4.30%
IslamicSemi flexi· Lock-in None · Margin 90%
Affin Bank
AFFIN Home Invest-i4.30%
IslamicSemi flexi· Lock-in None · Margin 90%
Affin Bank
AFFIN Home Step Fast-i4.30%
IslamicSemi flexi· Lock-in None · Margin 90%
Affin Bank
AFFIN Home-i SJKP-MADANI 2.04.30%
IslamicSemi flexi· Lock-in None · Margin —
Affin Bank
AFFIN Tawarruq Home Financing-i4.30%
IslamicSemi flexi· Lock-in None · Margin 90%
Affin Bank
AFFIN CagaFirst4.35%
ConventionalSemi flexi· Lock-in None · Margin 100%
Affin Bank
AFFIN CagaFirst-i4.35%
IslamicSemi flexi· Lock-in None · Margin —
Affin Bank
AFFIN SJKP MADANI 2.04.35%
ConventionalSemi flexi· Lock-in None · Margin 100%
Bank Muamalat
SMART Mortgage FLEXI4.35%
IslamicSemi flexi· Lock-in None · Margin —
UOB Malaysia
Home Financing-i4.36%
IslamicSemi flexi· Lock-in — · Margin 95%
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 semi flexi home loans?
12 banks: BSN, Affin Bank, AmBank, Bank Rakyat, Bank Muamalat, UOB Malaysia, OCBC Malaysia, Alliance Bank, HSBC Malaysia, Hong Leong Bank, Maybank, Public Bank.
What is the lowest published rate for semi flexi home loans?
3.65% for BSN BSN MyHome-i (From SBR + 0.90% (tiered by amount)). 8 of 30 packages don’t publish a rate.
What is the difference between semi flexi and full flexi?
Both let extra payments cut your interest. With full flexi the money sits in a linked current account and you withdraw it freely; with semi flexi it goes into the loan itself and you redraw it by request, often with a fee and a minimum amount.
Can I withdraw my excess payments any time?
Usually yes, but check the redraw rules: some banks charge per withdrawal, set a minimum amount, or only allow redraws after full disbursement.