Affin Bank

Affin Bank Home Flexi Plus

Get a combination of a term loan and overdraft for financing a new house or refinancing your current home

    • Up to 35 years
    • Semi-Flexi loan
    • Floating Interest Rate
    • 3 years lock in period
    • Up to 90% margin of finance
    • 30 days approval
  • You BorrowEstimated Interest Rate
    more than RM1000004.50% p.a.

    *Effective interest rate will be determined by Affin Bank upon approval.

Apply online now for Affin Bank Home Flexi Plus

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Affin Bank Home Flexi Plus

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to Affin Bank website

If you have any questions let us know at, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

Fees & Charges

There are always fees but how much are they?

Late Penalty Fee
8.34% revised interest rate p.a. if monthly installment are in default for 3 months
Withdrawal Fee
RM26.50 for each withdrawal
Processing Fee
Early Settlement Fee
2% of the original loan amount
Redemption Letter Fee
RM53.00 per request
Letter for EPF Withdrawal Fee
RM21.20 per request
Cancellation Fee
0.5% of the original loan amount or RM2,000, whichever is higher
Insurance Types
  • MRTA

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this Affin Bank home loan?

Minimum annual income
Minimum age
18 years old
Maximum age
70 years old
Who can Apply
  • Any nationality

Frequently Asked Questions about Affin Bank Home Flexi Plus

Things you might want to know

What do I need to know about Affinbank Home Flexi Plus?

This home loan is a combination of a conventional term home loan and an overdraft, allowing you to withdraw excess funds against your loan principal for those troublesome times when you most need money.

Subject to application and approval Affinbank offer finance up to 90% of the value of your house, for a loan term up to 35 years (or until 75 years of age, whichever is sooner). An additional 5% can be added to the finance package to cover MRTA, legal fees, evaluation fees and stamp duty.

Can You tell me more about the overdraft?

Your overdraft will be 50% of the total financing amount for a mortgage valued less than RM500,000 and up to 70% of total financing amount for if valued above RM500,000.

What are my commitments?

It is your duty to keep up with your monthly installments. Interest is charged using floating rate linked to the BR.  If you fail to service your monthly repayments, the bank may increase you interest payments, so beware!

If you have spare cash at the end of the month, or if you're willing to part with your bonus - you can always have the flexibility to pay in excess of your loan instalment amount, including the option to withdraw.

What does the mortgage insurance cover?

The Mortgage Reducing Term Assurance ( MRTA) is used to shield you against the risk of losing your family's property due to unforeseen circumstances, such as an accident. MRTA is compulsory with this home loan.

Why should I choose the Affinbank Home Flexi Plus?

There are some really good benefits with this home loan.

  • Save more - As the interest is calculated daily if you deposit more than your regular payment within each month you can save on your interest charges.
  • Excess Cash - If you do make extra payments into your mortgage you can withdraw the excess cash as and when you need it.

What documents do I need to provide to make an application?

If you are an employee earning a salary
NRIC photocopy
Latest 3 months salary slip
Latest 6 months commission statements (for commission earners)
EA Form or Borang B supported by tax payment receipt or E-filing supported by acknowlwdgement
Latest EPF statement
Latest 3 months bank account statement
Letter of Employment

If you are self-employed
NRIC photocopy
Latest Borang B supported by tax payment receipt or E-Filing supported by acknowledgement
Latest 6 months bank statement
Latest Profit and Loss account or management account

Read More