AIA Tiered Home Loan

Get a low interest rate for the first two years of your mortgage, move in with minimal fees, an ideal home loan if you're on a tight budget!

    • Up to 35 years
    • Term loan
    • Fixed Interest Rate
    • 5 years lock in period
    • Up to 90% margin of finance
    • 30 days approval
  • You BorrowEstimated Interest Rate
    more than RM1000005.15% p.a.

    *Effective interest rate will be determined by AIA upon approval.

Fees & Charges

There are always fees but how much are they?

Late Penalty Fee
1% p.a. of the outstanding amount
Withdrawal Fee
Processing Fee
Early Settlement Fee
Redemption Letter Fee
RM53.00 per request
Letter for EPF Withdrawal Fee
RM21.20 per request
Insurance Types
  • MRTA
  • MRTT

*inclusive of 6% GST


Are you eligible for this AIA home loan?

Minimum annual income
Minimum age
18 years old
Maximum age
70 years old
Who can Apply
  • Malaysians
  • Permanent Residents, Foreigners residing in Malaysia with valid working permit

Frequently Asked Questions about AIA Tiered Home Loan

Things you might want to know

What is the AIA Tiered Home Loan about?

AIA’s newest package offers you a tiered home loan that has a ridiculously low interest for the first two years, and a slightly higher rate of 5.15% thereafter. Because the interest rate does not fluctuate with the Base Rate you will be safe from volatile market movements.

Those who are on a tight budget will find it very convenient paying the installments for the first two years as there rate is far lower than any conventional loan.

AIA will finance up to 90% of the total value of a new or refinanced property following a credit check and approval. Your loan tenure can last up to 35 years or until you reach the age of 70, whichever is sooner.

What are my obligations with this home loan?

You are required to pay your fixed monthly installments every month, which should be easy enough. Your monthly installments will be revised after the first 2 years and will stay the same throughout the rest of your tenure.

What kind of properties can I finance with this AIA housing loan?

Completed with permanent Certificate of Completion & Compliance (CCC) for either landed or non-landed properties such as condominium and apartments all over Malaysia.

If you wish to finance a property that is still under construction, you'll have to make sure that they are accepted by AIA

Can I pay extra cash onto my mortgage and reduce my principal?

Of course you can, you can also pay in excess to reduce already low interest charges! There are no other unnecessary fees like monthly maintenance fees or processing fees to worry about, making it more affordable to get started.

Who can apply for this AIA housing loan?

Below are the criteria you'd have to fulfill:

  • Malaysians & Permanent Residents (Age 18 & Above)
  • Singaporean Nationals
  • Foreigners with a valid work permit / registered business in Malaysia / who are married to a Malaysian
  • Participants of Malaysia My Second Home Program (documentary evidence / approval from Malaysia Government under the MM2H program is required prior to loan disbursement)

What documents do I need to present with my home loan application?

If you are an employee earning a salary
NRIC photocopy
Latest 3 months salary slip
Letter of Employment
Sales & Purchase Agreement/ Booking receipt from developer
Valuation report

If you are self-employed

NRIC photocopy
Latest 3 months salary slip
Latest 6 months bank statement
From 24 & 49
Sales & Purchase Agreement/ Booking receipt from developer
Valuation report
Copy of the Title Deed

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