Compare Home Refinance Loans in Malaysia

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Showing home loan packages for loan amount of RM 500,000 over 30 years

MBSB Ultimate

MBSB Ultimate

RM 2,459.70
4.25%
35 Years
More About This Product


  1. No lock in period.

  2. No penalty.

  3. with MRTA/MRTT, margin of finance 90+5% (for first time buyer only).

  4. Interest rate is based on applicant profile.

Conventional Term Loan

Conventional Term Loan

RM 2,474.36
4.3%
35 Years
More About This Product


  1. 3 years lock in period.

  2. 1% penalty.

  3. Minimum withdrawal of RM5000 per transaction and multiply by RM1000 (Withdrawal fees of RM10 for each transaction).

Manarat Home-I

Manarat Home-I

RM 2,474.36
4.3%
35 Years
More About This Product


  1. No lock in.

  2. Minimum withdrawal of RM5000 per transaction and multiply by RM1000 (Withdrawal fees of RM10 for each transaction).

  3. 20% discount for stamp duty.

HomeSmart-i

HomeSmart-i

RM 2,489.06
4.35%
35 Years
More About This Product


  1. 1. 3 years lock in period.

  2. 2. 2% penalty on loan size*remaining month/ 36 mth.

  3. 3. Flexi account set up fees waived, commitment fees RM10 every month.

Maxi Home

Maxi Home

RM 2,489.06
4.35%
35 Years
More About This Product


  1. 3 years lock in period.

  2. 2% penalty.

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

  4. With MRTA, the rate will be 0.05% lower.

Maxi Home-i

Maxi Home-i

RM 2,489.06
4.35%
35 Years
More About This Product


  1. No lock in period.

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

  3. With MRTA, the rate will be 0.05% lower.

Maxi Home Flexi

Maxi Home Flexi

RM 2,489.06
4.35%
35 Years
More About This Product


  1. 3 years lock in period.

  2. 2% penalty.

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

  4. With MRTA, the rate will be 0.05% lower.

HomeSmart

HomeSmart

RM 2,489.06
4.35%
35 Years
More About This Product


  1. 3 years lock in period.

  2. 2% penalty on loan size*remaining month/ 36 mth.

  3. Flexi account set up fees waived, commitment fees RM10 every month.

Get RM4,500 Guaranteed Cash with HSBC Advance


  1. Refinance your Home Loan with HSBC HomeSmart to receive up to RM4,500 guaranteed cash.

  2. Click here to sign up.

  3. Promotion period: 4 August 2016 - 31 January 2017.

Fixed Rate Loan (Tiered rate packages)

Fixed Rate Loan (Tiered rate packages)

RM 2,500.85
4.39%
35 Years
More About This Product


  1. No Lock in Period (But not limited to refinance for 5 years Lock In).

  2. 3rd year onwards Interest Rate at 5.15%.

  3. 4% penalty.

  4. MRTA/ MLTA is compulsory.

Hong Leong Housing Loan

Hong Leong Housing Loan

RM 2,503.80
4.4%
30 Years
More About This Product


  1. 3 years lock in period.

  2. 3% penalty.

  3. Minimum withdrawal of RM5000 per transaction and multiply by RM1000 (Withdrawal fees of RM50 for each transaction, 7 days advance notice).

  4. Priority banking customers: BR+0.61

Hong Leong Mortgage Plus

Hong Leong Mortgage Plus

RM 2,503.80
4.4%
30 Years
More About This Product


  1. 3 years lock in period.

  2. 3% penalty.

  3. Additional 0.5% is subject to approval.

  4. Priority Banking customers: BR+0.61

CM Flexi Property Financing-i

CM Flexi Property Financing-i

RM 2,503.80
4.4%
35 Years
More About This Product


  1. Priority Banking Customers: BR+0.61%.

  2. No lock in period.

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

Mortgage KLIBOR Non-ZEC

Mortgage KLIBOR Non-ZEC

RM 2,512.67
4.43%
30 Years
More About This Product


  1. 3 years lock in period.

  2. 3% penalty.

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

  4. Standard shop lot. Retail/factory not applicable.

Ideal Mortgage

Ideal Mortgage

RM 2,518.59
4.45%
35 Years
More About This Product


  1. No lock in.

  2. Minimum withdrawal of RM5000 per transaction and multiply by RM1000 (Withdrawal fees of RM10 for each transaction).

Conventional Term Loan

Conventional Term Loan

RM 2,518.59
4.45%
35 Years
More About This Product


  1. 3 years Lock-In period.

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

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

  4. CIMB preferred member gets -0.05%.

  5. Early Termination Penalty 0.5% - 1.5% of outstanding loan balance.

Islamic Term Loan

Islamic Term Loan

RM 2,518.59
4.45%
35 Years
More About This Product


  1. No Lock-In period.

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

  3. 100% waiver of Loan Stamp Duty for refinancing.

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

  5. CIMB preferred member gets -0.05%.

Citibank Housing Loan

Citibank Housing Loan

RM 2,518.59
4.45%
30 Years
More About This Product


  1. Lock in: 3 years.

  2. MRTA / MLTA is not compulsory.

  3. Preferential Rate is available if:

    • • you apply for Home Loan together with a Citibank credit card and/or a banking product


    • • you are a Citigold customer



Conventional Flexi Loan

Conventional Flexi Loan

RM 2,518.59
4.45%
35 Years
More About This Product


  1. 3 years Lock-In period.

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

  3. CIMB preferred member gets -0.05%.

  4. Early Termination Penalty 0.5% - 1.5% of outstanding loan balance.

Islamic Flexi Loan

Islamic Flexi Loan

RM 2,518.59
4.45%
35 Years
More About This Product


  1. No Lock-In period.

  2. 100% waiver of Loan Stamp Duty for refinancing.

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

  4. CIMB preferred member gets -0.05%.

OCBC Home Loan

OCBC Home Loan

RM 2,518.59
4.45%
35 Years
More About This Product


  1. With MRTA: Base Rate+0.63%.

  2. 3 years lock in period.

  3. 3% penalty.

  4. Minimum withdrawal of RM5000 per transaction and multiply by RM1000 (Withdrawal fees of RM10 for each transaction).

Menarat Home-I

Menarat Home-I

RM 2,518.59
4.45%
35 Years
More About This Product


  1. With MRTA: Base Rate+0.63%.

  2. 3 years lock in period.

  3. 3% penalty.

  4. Minimum withdrawal of RM5000 per transaction and multiply by RM1000 (Withdrawal fees of RM10 for each transaction).

  5. 20% discount for stamp duty.

RHB Home Loan

RHB Home Loan

RM 2,518.59
4.45%
35 Years
More About This Product


  1. With MRTA, Base Rate+0.45%.

  2. 3 years lock in period.

  3. 3% penalty.

RHB Home Loan-i

RHB Home Loan-i

RM 2,518.59
4.45%
35 Years
More About This Product


  1. With MRTA, Base Rate+0.45%.

  2. 3 years lock in period.

  3. 3% penalty.

Mortgage One

Mortgage One

RM 2,524.52
4.47%
35 Years
More About This Product


  1. No Lock-In period.

  2. No penalty.

  3. For completed or BUC property.

  4. There is a one-time setup fee of RM200 and a monthly maintenance fee of RM10 for each account.

My Home-i

My Home-i

RM 2,524.52
4.47%
35 Years
More About This Product


  1. No Lock-In period.

  2. No penalty.

  3. No withdrawals allowed.

  4. For extra repayment to principal, minimum amount must be RM5000 and above.

  5. For completed or BUC property.

Conventional Flexi Loan

Conventional Flexi Loan

RM 2,524.52
4.47%
35 Years
More About This Product


  1. 3 years lock in period.

  2. 2% penalty.

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

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

Islamic Term Loan

Islamic Term Loan

RM 2,524.52
4.47%
35 Years
More About This Product


  1. 3 years lock in period.

  2. 2% penalty.

  3. Minimum withdrawal of RM3000 per transaction and multiply by RM1000 (Withdrawal fees of RM50 for each transaction).

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

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

i-Wish Flexi

i-Wish Flexi

RM 2,524.52
4.47%
35 Years
More About This Product


  1. 3 years lock in period.

  2. 2% penalty.

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

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

Conventional Term Loan

Conventional Term Loan

RM 2,524.52
4.47%
35 Years
More About This Product


  1. No Lock-In period.

  2. No penalty.

  3. No withdrawals allowed.

  4. For extra repayment to principal, minimum amount must be RM1000 and above.

  5. For completed or BUC property.

MOA

MOA

RM 2,524.52
4.47%
35 Years
More About This Product


  1. No lock in period.

  2. No penalty.

Citibank FlexiHome Loan

Citibank FlexiHome Loan

RM 2,533.43
4.5%
30 Years
More About This Product


  1. Lock in: 3 years.

  2. No minimum withdrawal.

  3. No withdrawal fee.

  4. MRTA / MLTA is not compulsory.

  5. Preferential Rate is available if:

    • • you apply for Home Loan together with a Citibank credit card and/or a banking product


    • • you are a Citigold customer



  6. No monthly maintenance fee.

Conventional Term Loan

Conventional Term Loan

RM 2,536.40
4.51%
35 Years
More About This Product


  1. 3 years lock in period.

  2. 2% penalty.

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

  4. Local up to 90% MoF, Foreigner up to 80% MoF.

  5. Local Max age up to 70, Foreigner max age up to 65.

Conventional Flexi Mortgage

Conventional Flexi Mortgage

RM 2,536.40
4.51%
35 Years
More About This Product


  1. 3 years lock in period.

  2. 2% penalty.

  3. Local up to 90% MoF, Foreigner up to 80% MoF.

  4. Local Max age up to 70, Foreigner max age up to 65.

My HomeOne-i

My HomeOne-i

RM 2,539.37
4.52%
35 Years
More About This Product


  1. No Lock-In period.

  2. No penalty.

  3. For extra repayment to principal, minimum amount must be RM5000 and above.

  4. For completed or BUC property.

Flexi Conventional Shop Loan

Flexi Conventional Shop Loan

RM 2,578.18
4.65%
30 Years
More About This Product


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

  2. CIMB preferred member gets -0.05%.

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

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

  5. Available only in peninsular Malaysia.

  6. No lock in period.

  7. Max age is 70 yrs.

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

  9. Agricultural land, MoF 50% max.

  10. Commercial land, MoF 50% max.

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

Commercial Property Financing

Commercial Property Financing

RM 2,578.18
4.65%
35 Years
More About This Product


  1. With MRTA, Base Rate+0.65%.

  2. 3 years lock in period.

  3. 3% penalty.

Commercial Property Financing-i

Commercial Property Financing-i

RM 2,578.18
4.65%
35 Years
More About This Product


  1. With MRTA, Base Rate+0.65%.

  2. 3 years lock in period.

  3. 3% penalty.

Mortgage KLIBOR w/ZEC

Mortgage KLIBOR w/ZEC

RM 2,587.18
4.68%
30 Years
More About This Product


  1. 5 years lock in period.

  2. 3% penalty.

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

  4. Must use the panel lawyer from HLB.

  5. Standard shop lot. Retail/factory not applicable.

  6. Max capping for ZEC is up to RM30k.

CM Flexi Property Financing-i

CM Flexi Property Financing-i

RM 2,593.19
4.7%
35 Years
More About This Product


  1. Priority Banking customers: BR+0.96%.

  2. No lock in period.

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

CPL

CPL

RM 2,608.24
4.75%
30 Years
More About This Product


  1. Lock in period 3 years.

  2. Exit panelties base on LO.

  3. Under construction purchase / refinance must be panel of OCBC.

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

  5. MoF could be various base on commercial property types.

  6. Age of finance up to 65 yrs old.

Conventional Term Loan

Conventional Term Loan

RM 2,614.27
4.77%
35 Years
More About This Product


  1. 3 years lock in period.

  2. 2% penalty.

  3. Minimum withdrawal of RM3000 per transaction and multiply by RM1000 (Withdrawal fees of RM50 for each transaction).

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

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

Commercial Semi-Flexi Retail Loan

Commercial Semi-Flexi Retail Loan

RM 2,626.35
4.81%
30 Years
More About This Product


  1. Max age 65 yrs.

  2. full flexi only available starting from RM500K and above.

  3. Without MRTA, rate will be higher.

  4. Singaporean, max MoF 80%.

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

  6. 5 yrs lock in, 2% Exit penalty base on principle loan amount.

  7. Available for shop lot, shop house and light factory.

  8. Refinancing MoF 80% max for Malaysian and Singaporean.

Fixed Rate Loan

Fixed Rate Loan

RM 2,681.05
4.99%
35 Years
More About This Product


  1. No Lock in Period (But not limited to refinance for 5 years Lock In).

  2. 4% penalty.

  3. Zero Moving Cost.

  4. MRTA/ MLTA is compulsory.

CPL

CPL

RM 2,730.13
5.15%
30 Years
More About This Product


  1. No lock in period.

  2. Under construction purchase / refinance must be panel of OCBC.

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

  4. MoF could be various base on commercial property types.

  5. Age of finance up to 65 yrs old.

Zero Moving Cost Package (ZMC)

Zero Moving Cost Package (ZMC)

RM 2,930.58
5.79%
35 Years
More About This Product


  1. Max age 70 yrs.

  2. For leasehold land, the unexpired land lease must be at least 50 years upon maturity of the loan.

  3. Factories, commercial retail lots and offices are excluded.

  4. Commercial properties on Malay Reserve or native land, located at landslip/flood prone area/Oxidation pond/power station and any negative factors that affect the open market value would also be excluded.

  5. New purchase property, MoF 80% max.

  6. Refinance property, MoF 70% max.

  7. Comprehensive Fire Insurance on the property must be adequately protected by Commercial fire policy of AIA.

  8. Life Policy and/or Mortgage Reducing Term Assurance (MRTA) are required.

  9. Valuation report and loan documentation must be prepared by AIA panel.

  10. Zero Moving Costs refer to the legal fees, stamp duty, disbursement and valuation for the loan agreement only.

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