Affin Credit Plus

A remortgage financing plan for completed and unencumbered properties combining term loan and overdraft facility. Pay extra on your repayment to enjoy interest savings!

Affin Credit Plus
Up to 35 years
Interest Rate
from 3.76% p.a.
Loan type
Semi-Flexi loan
Interest Type
Floating interest rate
Lock In Period
3 years
Margin of finance
up to 90%

Interest Rate

The interest paid based on the home loan amount borrowed

You borrowEstimated Interest Rate
RM50,000 - RM399,9993.96% p.a.
RM400,000 - RM999,9993.81% p.a.
more than RM1,000,0013.76% p.a.
*Effective interest rate will be determined by Affin Bank upon approval.


Minimum Annual Income
Minimum Age
  • 18 to 70 years old
Who can apply
  • Any nationality
  • Salaried employee
  • Self-employed

Fees & Charges

Late Penalty Fee
1% p.a. Subject to terms of agreement with bank
Withdrawal Fee
RM25 Subject to minimum available balance of RM5,000 in advance payment bucket
Processing Fee
Early Settlement Fee
2% within 3-year retention period
Redemption Letter Fee
RM50 per request
Letter for EPF Withdrawal Fee
RM20 per request

More Information

For prospective home buyers who are looking for a semi-flexi remortgage financing, this home loan is a perfect match for you.

Tell me about Affin Credit Plus

Affin Credit Plus consists of a term loan of variable interest rate with a maximum tenor of 35 years and an overdraft facility. You can use this home loan facility to purchase unencumbered residential or business property, i.e. property that are not subject to any claims by creditors.

The bank can finance up to 90% of the property value, but the minimum loan amount should not be less than RM50,000. If you add another 5%, the bank will absorb other fees including legal, stamping and valuation, for you. 

On top of that, you will also be covered with mortgage reducing term assurance.

What advantages can I get from this product?

The flexibility of repayment, meaning that you can save on interest payment and gradually reduce your loan outstanding, and subsequently shorten your loan tenor when you top up extra cash on top of your monthly instalment.

Plus, you have access to overdraft facility at BR + 2.06%. Think of it as a quick and hassle-free standby credit you can use for personal consumption or investment in other assets.

Can I withdraw that excess money?

Absolutely. You can withdraw that extra repayment at a small fee of RM26.50 with the minimum withdrawal amount must be RM3,000 with a multiple of RM1,000 thereof, subject to minimum available balance of RM5,000 in advance payment bucket.

You should also take note that prior to depositing extra cash on your next monthly instalment, you need to inform the bank via a one-month notice, otherwise it will be considered as advance payment.

What if I want to settle the home loan early?

It is praiseworthy to paying off your outstanding balance before meeting your loan expiry date as you can claim ownership title of the house from the bank very quickly.

But always remember to do so after 3 years from the date of disbursement, otherwise 2% on the principal amount will be charged to you as a penalty.

I’m interested. What documents do I need to prepare?

The main documents you need to submit is Affin Credit Plus application form, a copy of your NRIC, Sales & Purchase Agreement / Booking receipt from developer, Valuation report (for completed property) and Copy of the Title Deed. The supporting documents are as follows:

For fixed income earners:

  • Last 3-months salary slips
  • Latest EA form or Borang B supported by tax payment receipt
  • Latest pension statement (for pensioners)
  • Latest 6-months commission statement (for commission earners)
  • Latest EPF statement
  • Latest 3-months bank account statement
  • Letter from Employer

For self-employed:

  • Latest Borang B supported by tax payment receipt
  • Latest 6-months business account statement
  • Latest 6-months personal account statement
  • Latest Profit & Loss account
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