Affin Islamic Bank

Affin Home Assist Plus-i

Term financing with flexibility to make extra payment to save on profit charges. Only for properties below RM200,000 - perfect for low to mid-income earners.

    • Up to 35 years
    • Semi-Flexi Islamic financing
    • Floating Profit Rate
    • Up to 90% margin of finance
    • 30 days approval
  • You BorrowEstimated Profit Rate
    RM100000 - 2000004.66% p.a.

    *Effective profit rate will be determined by Affin Islamic Bank 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
RM25.00 for each withdrawal
Processing Fee
No Fee
Early Settlement Fee
Subject to terms of agreement with bank
Redemption Letter Fee
RM50.00 per request
Letter for EPF Withdrawal Fee
RM20.00 per request
Insurance Types
  • MRTT


Are you eligible for this Affin Islamic Bank home financing?

Minimum annual income
Minimum age
18 years old
Maximum age
70 years old
Who can Apply
  • Any nationality
  • Salaried employee
  • Self-employed

Frequently Asked Questions about Affin Home Assist Plus-i

Things you might want to know

What should I know about Affin Home Assist Plus-i?

Ready to own a home? Check. Got your down payment ready? Check. Need a mortgage that adheres to shariah-based principles of financing, more specifically the concept of Musharakah Mutanaqisah which is equivalent to purchasing an asset on a deferred basis? Checked!

Yes, Affin Home Assist Plus-i is a conventional Islamic mortgage that is tailored to provide financial support to individuals looking for low cost properties between RM100,000 to RM200,000. 

Affin will finance up to 90% of the property, subject to your credit approval. You choose to get an additional 5% financing for Mortgage Reducing Term Takaful, or MRTT.

What do I have to pay for this Islamic home financing?

Once your mortgage is approved by Affin Islamic, you’ll have to pay monthly instalments which will be calculated based on the profit rate offered and the length of your tenure. For an estimate of your repayments each month remember to use the RinggitPlus mortgage calculator.

The profit rate is capped to a ceiling rate, meaning it will not soar above the capping limit, even though the profit rate on Affin Home Assist Plus-i is pegged to the fluctuation of Islamic Base Rate.

Who can apply for Islamic mortgage?

As this financing plan is for lower income individuals, there aren’t any complex requirements. Any individuals aged 18 years old and above and meet the RM24,000 annual income requirements are eligible to apply.

Of course for your financing to be approved the bank will have to check your CCRIS and CTOS records. But you won’t have to worry about a thing if you have good credit history.

Are there any other charges involved?

Yes, you'll have to pay for the mandatory stamp duty charges and legal fees. The hefty processing fees will be waived too. However, if you request for additional documents from the bank such as a financial statement or redemption statement, you’ll have to pay extra.

What documents will I need to prepare?

Don’t waste any time driving back and forth. Make sure you have all these documents with you when you apply.

Standard documents:

  1. Copy of NRIC
  2. Sale & Purchase Agreement

Salaried employee:

  • 3-months salary slips
  • EPF statement
  • EA form or Borang B (income tax return form)
  • 3-months salary bank account statement
  • 6-months commission statement (for commission based earners)


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

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