Bank of China Housing Loan

Looking for a home loan to finance newly completed or under-construction property or refinancing your existing housing loan? Bank of China offers an attractive and competitive interest rate as low as 3.88% per annum.

Bank of China Housing Loan
Tenure
Up to 35 years
Interest Rate
from 3.88% p.a.
Loan type
Term loan
Interest Type
Floating interest rate
Lock In Period
3 years
Margin of finance
up to 90%

Interest Rate

The interest paid based on the home loan amount borrowed

You borrowEstimated Interest Rate
more than RM300,0003.88% p.a.
*Effective interest rate will be determined by Bank of China upon approval.

Requirements

Minimum Annual Income
RM60,000
Minimum Age
  • 18 to 70 years old
Who can apply
  • Malaysians
  • Permanent Residents, Foreigners working in Malaysia
  • Salaried employee
  • Self-employed

Fees & Charges

Late Penalty Fee
1% p.a. on the amount in arrears causing the total outstanding to increase
Processing Fee
No Processing Fee
Early Settlement Fee
2.25% Prepayment/Full settlement within the first 3 years from the date of first release of the loan
Insurance Types
  • Fire Insurance (Mandatory)
  • Houseowner Insurance (Optional)
  • MRTA (Optional)
  • MLTA (Optional)

More Information

Home Loan » Bank of China
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