Compare Home Refinance Loans in Malaysia

Compare the best Home Refinance Loans in Malaysia. Get the best interest rates from the banks, and apply online using our free Eligibility Check.

Home Refinance


HomeSmart-i
RM 2,563.22
4.6%
35 Years
90%
3 Years
Yes
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.


RHB Home Loan-i
RM 2,593.19
4.7%
35 Years
90%
3 Years
No
More About This Product


  1. With MRTA, Base Rate+0.35%

  2. 3 years lock in period.

  3. 3% penalty.


My Home-i
RM 2,599.20
4.72%
35 Years
90%
0 Years
No
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 Term Loan
RM 2,474.36
4.3%
35 Years
90%
3 Years
No
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
RM 2,474.36
4.3%
35 Years
90%
0 Years
No
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.


Ideal Mortgage
RM 2,518.59
4.45%
35 Years
90%
0 Years
No
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).


Maxi Home
RM 2,563.22
4.6%
35 Years
90%
3 Years
No
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
RM 2,563.22
4.6%
35 Years
90%
0 Years
No
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
RM 2,563.22
4.6%
35 Years
90%
3 Years
Yes
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
RM 2,563.22
4.6%
35 Years
90%
3 Years
Yes
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.


Conventional Term Loan
RM 2,581.18
4.66%
35 Years
90%
3 Years
No
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
RM 2,581.18
4.66%
35 Years
90%
3 Years
Yes
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.


Citibank Housing Loan
RM 2,593.19
4.7%
30 Years
90%
3 Years
No
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 Term Loan
RM 2,593.19
4.7%
35 Years
90%
3 Years
No
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 will be higher.

  4. CIMB preferred member gets -0.05%.

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


Conventional Flexi Loan
RM 2,593.19
4.7%
35 Years
90%
3 Years
Yes
More About This Product


  1. 3 years Lock-In period.

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

  3. CIMB preferred member gets -0.05%.

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


Islamic Term Loan
RM 2,593.19
4.7%
35 Years
90%
0 Years
No
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 will be higher.

  5. CIMB preferred member gets -0.05%.


Islamic Flexi Loan
RM 2,593.19
4.7%
35 Years
90%
0 Years
Yes
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 will be higher.

  4. CIMB preferred member gets -0.05%.


RHB Home Loan
RM 2,593.19
4.7%
35 Years
90%
3 Years
No
More About This Product


  1. With MRTA, Base Rate+0.45%.

  2. 3 years lock in period.

  3. 3% penalty.


Mortgage One
RM 2,599.20
4.72%
35 Years
90%
0 Years
Yes
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.


Conventional Term Loan
RM 2,599.20
4.72%
35 Years
90%
0 Years
No
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
RM 2,599.20
4.72%
35 Years
90%
0 Years
Yes
More About This Product


  1. No lock in period.

  2. No penalty.


Conventional Flexi Loan
RM 2,599.20
4.72%
35 Years
90%
3 Years
Yes
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
RM 2,599.20
4.72%
35 Years
90%
3 Years
No
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
RM 2,599.20
4.72%
35 Years
90%
3 Years
Yes
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%.


Hong Leong Mortgage Plus
RM 2,605.22
4.74%
30 Years
90%
3 Years
Yes
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
RM 2,608.24
4.75%
35 Years
90%
0 Years
No
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).


Citibank FlexiHome Loan
RM 2,608.24
4.75%
30 Years
90%
3 Years
Yes
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.


My HomeOne-i
RM 2,614.27
4.77%
35 Years
90%
0 Years
Yes
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.


OCBC Home Loan
RM 2,626.35
4.81%
35 Years
90%
3 Years
No
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
RM 2,626.35
4.81%
35 Years
90%
3 Years
No
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.


Flexi Conventional Shop Loan
RM 2,653.63
4.9%
30 Years
85%
3 Years
Yes
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
RM 2,653.63
4.9%
35 Years
85%
3 Years
No
More About This Product


  1. With MRTA, Base Rate+0.65%.

  2. 3 years lock in period.

  3. 3% penalty.


Commercial Property Financing-i
RM 2,653.63
4.9%
35 Years
85%
3 Years
No
More About This Product


  1. With MRTA, Base Rate+0.65%.

  2. 3 years lock in period.

  3. 3% penalty.


MBSB Ultimate
RM 2,668.85
4.95%
35 Years
90%
0 Years
No
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. ZEC (Legal fees absorb).


Commercial Semi-Flexi Retail Loan
RM 2,671.90
4.96%
30 Years
80%
5 Years
No
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 with Zero Moving Cost
RM 2,681.05
4.99%
35 Years
90%
0 Years
No
More About This Product


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

  2. 4% penalty.

  3. Zero Moving Cost.

  4. MRTA/ MLTA is compulsory.


Conventional Term Loan
RM 2,690.22
5.02%
35 Years
90%
3 Years
No
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%.


CPL
RM 2,717.82
5.11%
30 Years
80%
3 Years
No
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.


Fixed Rate Loan (Non Zero Moving Cost)
RM 2,730.13
5.15%
35 Years
90%
0 Years
No
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.

  5. 4.39% p.a. fixed for 2 years, 5.15% p.a. thereafter.


CPL
RM 2,842.08
5.51%
30 Years
80%
0 Years
No
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)
RM 2,930.58
5.79%
35 Years
70%
0 Years
No
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.

View More

Showing 10 of 41 Packages