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!

Affin Home Build-i
Up to 35 years
Profit Rate
from 4.81% p.a.
Loan type
Term islamic financing
Interest Type
Floating profit rate
Margin of finance
up to 85%
Approval in
30 days

Profit Rate

The interest paid based on the home loan amount borrowed

You borrowEstimated Profit Rate
RM500,000 - RM5,000,0004.81% p.a.
*Effective profit rate will be determined by Affin Islamic 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. p.a. of the outstanding amount
Processing Fee
Early Settlement Fee
Subject to terms of agreement with bank
Redemption Letter Fee
RM50 per request
Letter for EPF Withdrawal Fee
RM20 per request
Insurance Types
  • MRTT

More Information

What is this product Affin Home Build-i 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.

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 (MRTT)?

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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