Affin Islamic Bank

Affin Extra Plus-i

A flexible financing plan for Affin Bank existing borrowers comprising Islamic term financing for home purchase and overdraft facility for personal use.

    • Up to 35 years
    • Flexi loan
    • Floating Interest Rate
    • Up to 90% margin of finance
  • You BorrowEstimated Interest Rate
    RM20000 - 5000004.71% p.a.
    more than RM5000014.51% p.a.

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

Apply online now for Affin Extra Plus-i

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Fees & Charges

There are always fees but how much are they?

Late Penalty Fee
1% p.a. of the outstanding amount
Withdrawal Fee
RM25.00 for each withdrawal
Processing Fee
No Fee
Early Settlement Fee
No Fee
Letter for EPF Withdrawal Fee
RM20.00 per request
Insurance Types
  • MRTT


Are you eligible for this Affin Islamic Bank home loan?

Minimum annual income
Minimum age
18 years old
Maximum age
70 years old
Who can Apply
  • Any nationality
  • Existing mortgage borrowers of Affin Bank

Frequently Asked Questions about Affin Extra Plus-i

Things you might want to know

What is Affin Extra Plus-i?

An Islamic variable rate home financing that is based on Diminishing Musharakah (rent-to-own) structure, whereby customer and the bank jointly contribute to purchase the property.

The bank can commit up to 90% of the property value, meaning it commands the major shares of the property in the first leg of financing. Over time, you can increase ownership of the house by paying your monthly rentals.

The rental contract can last maximum 35 years, or 70 years of age, whichever earlier.

Can I make prepayment and withdraw excess money?

Definitely. You can pay more to save on rental charges. The excess amount you deposit on top of your monthly instalment will go toward the calculation of profit, which is computed on daily basis, on the outstanding balance.

Imagine how much savings you’ll achieve for making extra payment every month?

Plus, you get to redraw excess money in your home loan account for personal consumption, subject to a fee. Make sure you have enough balance as stipulated in the advance payment bucket.

What are the EXTRA features?

Unlike any other Affin Bank’s home loan products, there is no processing fee, no retention period, and no charges for early settlement for Affin Extra Plus-i.

For those who wish to hedge their budget against uncertainty, this Islamic financing also offers a ceiling rate. Meaning, should there be any increase in the bank’s IBR, the rental rate will not go beyond this ceiling rate.

Who is eligible to apply for Affin Extra Plus-i?

This Islamic home financing is open principally to existing mortgage customers with Affin Bank / Affin Islamic Bank, provided that the customers have fully disbursed their existing mortgage account and have a clean payment track record for the past 1 year.

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