Affin Islamic Bank

Affin Home Build-i

Buying a residential land or building your own dream house, Home Build-i has got you covered for up to RM5 million!

    • Up to 35 years
    • Term Islamic financing
    • Floating Profit Rate
    • 0 years lock in period
    • Up to 85% margin of finance
    • 30 days approval
  • You BorrowEstimated Profit Rate
    RM500000 - 50000004.81% p.a.

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

Apply online now for Affin Home Build-i

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View product disclosure sheet.

Fees & Charges

There are always fees but how much are they?

Late Penalty Fee
1% p.a. of the outstanding amount
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 Build-i

Things you might want to know

What is this product about?

Affin Home Build-i is a home financing product that is in compliance with Shariah standards. It is an equity-based home financing whereby you partner with the bank to own a house.

You can gradually increase your shares of the property by paying to the bank monthly rentals, which ultimately will go toward reducing the bank’s shares of the property.

What can I finance via Affin Home Build-i?

You can finance your new house, whether it is still under construction or have completed, with this Islamic home loan. The bank will provide up to 85% of the property value while you contribute only 15%.

What else do I get from this product?

As this Islamic mortgage is a semi-flexi home loan, you have the flexibility to make excess payment on top of your monthly loan amount, effectively decreasing your rental profit as it is calculated on daily rest.

The rental rate for this mortgage is BR + 1.11%. Even though the rental rate is pegged to Affin Bank’s Base Rate ( BR), you would not be too exposed by the up and down of the market as there is a ceiling rate. Phew.

What is my obligation?

Simple. You need to commit paying your monthly instalment, otherwise risk paying penalty and facing increased finance charge for failing to pay the facility for 3 consecutive months.

Do I need Mortgage Reducing Term Takaful?

While it is optional, the bank will strongly encourage you to get one by adding 5% to your monthly commitments.

It is practical in a sense that when you are no longer around, the MRTT will pay off all your outstanding balances, lifting the burden of payment off on your next of kin.

What other documents to attach with the application form?

If you are an employee earning a salary

  • NRIC copy
  • Latest 3-month pay slips
  • Latest EPF statement
  • Latest 6-month commission statements (for commission earners)
  • EA Form
  • Letter from employer
  • Sales & Purchase Agreement/ Booking receipt from developer
  • Valuation report
  • Copy of the Title Deed

If you are self-employed

  • NRIC photocopy
  • Latest Borang B supported by tax payment receipt
  • 3-month salary slip
  • Latest 6-month business/personal account statement
  • Latest Profit & Loss account
  • Sales & Purchase Agreement/ Booking receipt from developer
  • Valuation report
  • Copy of the Title Deed

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