AmBank Home Link

Own your property sooner - Home Link let's you connect your Loan Account and Current Account - you'll save on loan interest and reduce your tenure

AmBank Home Link
Up to 35 years
Interest Rate
from 4.25% p.a.
Loan type
Flexi loan
Interest Type
Floating interest rate
Lock In Period
3 years
Margin of finance
up to 90%
Approval in
30 days

Interest Rate

The interest paid based on the home loan amount borrowed

You borrowEstimated Interest Rate
more than RM100,0004.25% p.a.
*Effective interest rate will be determined by AmBank upon approval.


Minimum Annual Income
Minimum Age
  • 18 to 70 years old
Who can apply
  • Malaysians
  • Permanent Residents, Foreigners residing in Malaysia with valid working permit

Fees & Charges

Late Penalty Fee
1% p.a. p.a. of the outstanding amount
Processing Fee
RM200 and additional RM100 for setup fees
Monthly Fee
Early Settlement Fee
2% within 3-year retention period
Redemption Letter Fee
RM50 per request
Letter for EPF Withdrawal Fee
RM20 per request
Insurance Types
  • Fire Insurance
  • MRTA

More Information

What do I need to know about AmBank Home Link?

The first thing you need to know about Home Link is that it joins your home loan account with your bank current account helping you save on loan interest. 

AmBank consider the money in your current account to be a balance of payment against your mortgage, so you can let all your money go to work reducing the principal and interest on your home loan.

Need some extra cash in a hurry? You can also draw down from payments made against you home loan. Used wisely, this is a convenient and cost-saving way to manage your mortgage.

Subject to credit check and approval AmBank will be able to finance up to 90% of the value of your new property. You can also opt for an additional 5% of financing to cover your MRTA policy.

What are my commitments?

Your monthly installment will be your main commitment. This is calculated from to be the difference between the loan and the amount in the linked current account, which might result in significant savings on interest payments.

By the end of the loan tenure, you will have paid the principal amount of the loan plus the interest. Please note, this is a floating interest rate, the total repayment amount may vary if the BR changes.

What about the insurance, what does it cover?

Group Mortgage Reducing Term Assurance (MRTA) is highly recommended to hedge the risk of losing your family's property due to unforeseen circumstances. Fire Insurance is compulsory to cover damages due to fire breakout and used as a collateral to AmBank.

What are the risks associated with this kinds of home loan?

The floating interest rate on Home Link may vary according to changes in the BR. An increase in interest rate may result in higher monthly repayment. If you have problems meeting your loan obligation, feel free to contact AmBank to discuss payment alternatives.

Why should I choose AmBank Home Link?

This AmBank mortgage might suit someone who had a variable income, such as a self-employed businessman, or a person whose regular salary included commission payments.

Will I be able to apply for this loan?

AmBank Home Link is open to Malaysians, permanent residents, and foreigners who have valid work permits.

What documents do I need to present to my loan officer?

Salaried employee:

  • NRIC photocopy
  • Salary slips (latest 3 months)
  • EA form/EPF statement (latest 2 years)
  • Sales & Purchase Agreement/ Booking receipt from developer


  • NRIC photocopy
  • Salary slips (latest 3 months)
  • EA form/EPF statement (latest 2 years)
  • Sales & Purchase Agreement/ Booking receipt from developer
  • Business registration A&D
  • Latest 3-months bank statement
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