Home Loan Malaysia
Finance your dream home with up to 90% loan and competitive interest rates from 3.5% p.a. Flexible tenure up to 35 years!
Why Choose Our Home Loan?
Up to 90% Financing
Finance up to 90% of your property value with competitive rates
Low Interest Rates
Competitive rates starting from 3.5% p.a. for qualified applicants
Flexible Tenure
Choose repayment period up to 35 years to suit your budget
No Lock-in Period
Freedom to refinance or settle your loan anytime without penalty
Free Legal Services
Complimentary legal fees for loan documentation and processing
No Hidden Fees
Transparent pricing with all costs disclosed upfront
Loan Details & Terms
Loan Amount
RM 100,000 - RM 2,000,000
Interest Rate
3.5% - 6.5% per annum
Margin of Financing
Up to 90% of property value
Repayment Period
60 - 360 months (5 - 30 years)
Processing Time
7-14 days approval, 30-60 days disbursement
Lock-in Period
No lock-in period
Supported Property Types
Residential Property
Apartment, condominium, terrace house, semi-detached, or bungalow
Commercial Property
Shop lots, office space, retail units, or mixed developments
Under Construction
New launches and properties still under development
Sub-sale Property
Second-hand properties from existing owners
Auction Property
Properties acquired through bank auctions at discounted prices
Refinancing
Refinance your existing home loan for better rates or cash out
Benefits of Home Ownership
Lower Monthly Payments
Spread your payments over longer tenure for more affordable monthly installments
Build Equity
Own your home while building wealth through property appreciation
Tax Benefits
Enjoy tax relief on home loan interest payments up to RM 10,000 annually
Investment Opportunity
Property can generate rental income and long-term capital appreciation
Eligibility Requirements
- Malaysian citizen or permanent resident
- Age between 21 to 65 years old
- Minimum monthly income of RM 3,000
- Employed for at least 1 year
- Property valuation report required
- Debt Service Ratio (DSR) below 70%
Required Documents
- NRIC (front and back)
- Latest 3 months payslips
- Latest 6 months bank statements
- EPF statement (latest)
- Employment letter
- Property sales & purchase agreement
- Property valuation report
- Latest quit rent & assessment receipt