Land loans and financing
Banks treat vacant land differently from a finished home: there is no building to secure the loan, so margins are usually lower and tenures shorter than a home loan. Some packages finance only land you intend to build a home on.
Check the land’s category and conditions on the title (residential, agricultural, Malay Reserve) before you apply: they decide which banks will lend and how much.
- Packages
- 12
- Lenders
- 10
- Published margins
- 50–90%
- Max tenure
- 7–30 yrs
| Bank / package | Rate | Lock-in | Margin | Action |
|---|---|---|---|---|
| Bank IslamBiz Smart Property Financing ProgramIslamic | 4.37%BFR − 2.10% (PDS illustration, Apr 2026); ceiling 15% | None | — | |
| CIMBFlexi Business Premises Financing-iIslamicFull flexi | 4.70%BFR − 1.90% (PDS illustration, Jan 2026); ceiling 15% | 5 yrs | — | |
| AgrobankHartani-iIslamic | 5.35%From SBR + 2.60% (bank page) | — | 90% | |
| Affin BankHome BuildConventionalTerm (non-flexi) | On requestSBR + spread (PDS dated 2024) | 3 yrs | 90% | |
| Affin BankHome Build-iIslamicSemi flexi | On requestRate on request; ceiling 12% (land) | — | 75% | |
| Bank MuamalatSMART Mortgage Land Financing-iIslamic | On requestRate on request | — | 50% | |
| Bank Pembangunan MalaysiaTawarruq Asset Financing (TWA)IslamicTerm (non-flexi) | On requestFixed or floating (not published) | — | 90% | |
| Bank RakyatProperty-iIslamic | On requestRate on request | — | 80% | |
| HSBC MalaysiaAmanah Business Premises Smart-iIslamicSemi flexi | On requestBFR − spread (PDS undated) | — | — | |
| HSBC MalaysiaBusiness Premises FinancingConventionalTerm (non-flexi) | On requestBLR − spread (PDS undated) | — | — | |
| MaybankMaxiPlan-i Property & Business FinancingIslamicTerm (non-flexi) | On requestRate on request | — | — | |
| Public BankTerm Equity Financing-i (TEF-i)IslamicTerm (non-flexi) | On requestSBR + spread (not published); ceiling BFR + 4% | None | — |
Bank Islam
Biz Smart Property Financing Program4.37%
Islamic· Lock-in None · Margin —
4.70%
IslamicFull flexi· Lock-in 5 yrs · Margin —
Agrobank
Hartani-i5.35%
Islamic· Lock-in — · Margin 90%
Affin Bank
Home BuildOn request
ConventionalTerm (non-flexi)· Lock-in 3 yrs · Margin 90%
Affin Bank
Home Build-iOn request
IslamicSemi flexi· Lock-in — · Margin 75%
Bank Muamalat
SMART Mortgage Land Financing-iOn request
Islamic· Lock-in — · Margin 50%
Bank Pembangunan Malaysia
Tawarruq Asset Financing (TWA)On request
IslamicTerm (non-flexi)· Lock-in — · Margin 90%
Bank Rakyat
Property-iOn request
Islamic· Lock-in — · Margin 80%
HSBC Malaysia
Amanah Business Premises Smart-iOn request
IslamicSemi flexi· Lock-in — · Margin —
HSBC Malaysia
Business Premises FinancingOn request
ConventionalTerm (non-flexi)· Lock-in — · Margin —
On request
IslamicTerm (non-flexi)· Lock-in — · 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
Which lenders offer land loans and financing?
10 lenders: Bank Islam, CIMB, Agrobank, Affin Bank, Bank Muamalat, Bank Pembangunan Malaysia, Bank Rakyat, HSBC Malaysia, Maybank, Public Bank.
What is the lowest published rate?
4.37% for Bank Islam Biz Smart Property Financing Program (BFR − 2.10% (PDS illustration, Apr 2026); ceiling 15%). 9 of 12 packages don’t publish a rate.
How much will the bank finance?
Published maximum margins for these packages range 50–90% of the property value; your offer depends on the valuation and your profile.
How much can I borrow for land in Malaysia?
It depends on the bank, the land category and your profile. The table above shows each package’s published maximum margin where the bank states one.
Can I get a loan for agricultural land?
Some lenders finance agricultural land, often with lower margins. Check whether the package covers your land category before applying.