Compare Housing Loans in Malaysia

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The property value is RM

Tenure Years

Margin of Finance %

Interest Rate Type

Full Flexi?

Conventional OR Islamic

Lock In Period

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Showing home loan packages for loan amount of RM 400,000 over 20 years

Bank and Package

Monthly

Interest
Rate

Max
Tenure

Max Margin

Lock In Period

Full Flexi Loan?

Biz-Property Islamic Term Loan

Monthly RM:

RM 2,552.24

Interest Rate:

4.6%

Max Tenure:

25 Years

85%

3 Years

Max Margin: 85%

Lock In Period:3

Full Flexi Loan? No

More About This Product

3 years lock in period.

3% penalty.

MoF 90% for SCB prefered customer with $500k networth.

Office/retail, MoF 80%.

Foreigner less 10% base on the above mentions MoF applied.

Age up to 70 years old.

Better IR subject to loan size.

Do not finance under cinstruction property and factories.

Refinancing can cash out up to 80%.

Businees Flexi Loan

Monthly RM:

RM 2,552.24

Interest Rate:

4.6%

Max Tenure:

25 Years

85%

3 Years

Yes

Max Margin: 85%

Lock In Period:3

Full Flexi Loan? Yes

More About This Product

Only for company purchase.

3 years lock in period.

3% penalty.

Flexi Conventional Shop Loan

Monthly RM:

RM 2,563.10

Interest Rate:

4.65%

Max Tenure:

30 Years

85%

3 Years

Yes

Max Margin: 85%

Lock In Period:3

Full Flexi Loan? Yes

More About This Product

Without MRTA, CC and FD, the rate wil be higher.

CIMB preferred member gets -0.05%.

Available for SoHo (under commercial lot), shop lot and shop storey.

Office unit MoF 70% - 75%max. ( subject to management approval).

Available only in peninsular Malaysia.

No lock in period.

Max age is 70 yrs.

Allowed MoF 85% for more than one single application with CIMB.

Agricultural land, MoF 50% max.

Commercial land, MoF 50% max.

Do not finance Stalls, Shopping lots in complexes & Shopping Mall.

Commercial Semi-Flexi Retail Loan

Monthly RM:

RM 2,576.16

Interest Rate:

4.71%

Max Tenure:

30 Years

80%

5 Years

Max Margin: 80%

Lock In Period:5

Full Flexi Loan? No

More About This Product

Max age 65 yrs.

full flexi only available starting from RM500K and above.

Without MRTA, rate will be higher.

Singaporean, max MoF 80%.

Agricultural available subject to location / prime oil, MoF 50% max.

5 yrs lock in, 2% Exit penalty base on principle loan amount.

Available for shop lot, shop house and light factory.

Refinancing MoF 80% max for Malaysian and Singaporean.

Conventional Semi Flexi Loan

Monthly RM:

RM 2,589.27

Interest Rate:

4.77%

Max Tenure:

25 Years

80%

3 Years

Max Margin: 80%

Lock In Period:3

Full Flexi Loan? No

More About This Product

3 years lock in period.

2% penalty of original loan amount for early termination of loan.

Refinance max at only 85%.

Foreigner (working in M'sia) max MoF 75%.

For shoplots and offices, can only finance properties max 6 storeys high.

For mixed development (E.g. Serviced Apartments), can only be used to finance ground floor shoplots only.

Min age is 25 years up to 70 years.

If bundled with MRTA/Renovation Loan/Credit Card/FD, the rate will be lower.

Savelink Conventional Flexi

Monthly RM:

RM 2,589.27

Interest Rate:

4.77%

Max Tenure:

25 Years

80%

3 Years

Yes

Max Margin: 80%

Lock In Period:3

Full Flexi Loan? Yes

More About This Product

3 years lock in period.

2% penalty of original loan amount for early termination of loan.

Refinance max at only 85%.

Foreigner (working in M'sia) max MoF 75%.

For shoplots and offices, can only finance properties max 6 storeys high.

For mixed development (E.g. Serviced Apartments), can only be used to finance ground floor shoplots only.

Min age is 25 years up to 70 years.

If bundled with MRTA/Renovation Loan/Credit Card/FD, the interest rate will be lower.

I-Wish Islamic Flexi

Monthly RM:

RM 2,589.27

Interest Rate:

4.77%

Max Tenure:

25 Years

80%

3 Years

Yes

Max Margin: 80%

Lock In Period:3

Full Flexi Loan? Yes

More About This Product

3 years lock in period.

2% penalty of original loan amount for early termination of loan.

Refinance max at only 85%.

Foreigner (working in M'sia) max MoF 75%.

For shoplots and offices, can only finance properties max 6 storeys high.

For mixed development (E.g. Serviced Apartments), can only be used to finance ground floor shoplots only.

Min age is 25 years up to 70years.

If bundled with MRTA/Renovation Loan/Credit Card/FD, the interest rate will be lower.

I-Wish Islamic Semi Flexi

Monthly RM:

RM 2,589.27

Interest Rate:

4.77%

Max Tenure:

25 Years

80%

3 Years

Max Margin: 80%

Lock In Period:3

Full Flexi Loan? No

More About This Product

3 years lock in period.

2% penalty of original loan amount for early termination of loan.

Refinance max at only 85%.

Foreigner (working in M'sia) max MoF 75%.

For shoplots and offices, can only finance properties max 6 storeys high.

For mixed development (E.g. Serviced Apartments), can only be used to finance ground floor shoplots only.

Min age is 25 years up to 70 years.

If bundled with MRTA/Renovation Loan/Credit Card/FD, the interest rate will be lower.

CM Flexi Property Financing-i

Monthly RM:

RM 2,593.64

Interest Rate:

4.79%

Max Tenure:

35 Years

80%

0 Years

Max Margin: 80%

Lock In Period:0

Full Flexi Loan? No

More About This Product

Priority Banking customers: BR+0.96%.

No lock in period.

Minimum withdrawal of RM5000 per transaction and multiply by RM1000 (Withdrawal fees of RM50 for each transaction).

Biz-Property Conventional Term Loan

Monthly RM:

RM 2,595.83

Interest Rate:

4.8%

Max Tenure:

25 Years

85%

3 Years

Max Margin: 85%

Lock In Period:3

Full Flexi Loan? No

More About This Product

3 yrs lock in period.

3% penalty.

MoF 90% for SCB prefered customer with $500k networth.

Office/retail, MoF 80%.

Foreigner less 10% base on the above mentions MoF applied.

Age up to 70 yrs old.

Better IR subject to loan size.

Do not finance under construction property and factories.

Refinancing cash out up to 80%.

Only for Individual purchase.

Shop Loan

Monthly RM:

RM 2,604.60

Interest Rate:

4.84%

Max Tenure:

25 Years

80%

3 Years

Max Margin: 80%

Lock In Period:3

Full Flexi Loan? No

More About This Product

3 years lock in period.

3% penalty.

Minimum withdrawal of RM5000 per transaction and multiply by RM1000 (Withdrawal fees of RM50 for each transaction).

Must use the panel lawyer from HLB.

Standard shop lot. Retail/factory not applicable.

Commercial Rate - Mortgage Plus

Monthly RM:

RM 2,604.60

Interest Rate:

4.84%

Max Tenure:

25 Years

80%

3 Years

Yes

Max Margin: 80%

Lock In Period:3

Full Flexi Loan? Yes

More About This Product

3 years lock in period.

3% penalty.

Minimum withdrawal of RM5000 per transaction and multiply by RM1000 (Withdrawal fees of RM50 for each transaction).

Must use the panel lawyer from HLB.

Standard shop lot. Retail/factory not applicable.

CM Flexi Property Financing-i

Monthly RM:

RM 2,604.60

Interest Rate:

4.84%

Max Tenure:

35 Years

80%

0 Years

Max Margin: 80%

Lock In Period:0

Full Flexi Loan? No

More About This Product

No lock in period.

Minimum withdrawal of RM5000 per transaction and multiply by RM1000 (Withdrawal fees of RM50 for each transaction).

CPL

Monthly RM:

RM 2,608.99

Interest Rate:

4.86%

Max Tenure:

30 Years

80%

3 Years

Max Margin: 80%

Lock In Period:3

Full Flexi Loan? No

More About This Product

Lock in period 3 years.

Exit panelties base on LO.

Under construction purchase / refinance must be panel of OCBC.

Invidual wealth networth > RMIm with OCBC, can get better DEBT SERVICE RATIO Rate.

MoF could be various base on commercial property types.

Age of finance up to 65 yrs old.

CPL

Monthly RM:

RM 2,697.61

Interest Rate:

5.26%

Max Tenure:

30 Years

80%

0 Years

Max Margin: 80%

Lock In Period:0

Full Flexi Loan? No

More About This Product

No lock in period.

Under construction purchase / refinance must be panel of OCBC.

Invidual wealth networth > RMIm with OCBC, can get better Interest Rate.

MoF could be various base on commercial property types.

Age of finance up to 65 yrs old.

Showing 10 of 15 Packages

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