ICBC Home Loan

No monthly fees? Mei wen ti! Get this low interest home loan from ICBC. Pay extra whenever you want with this hassle-free mortgage

    • Up to 30 years
    • Term loan
    • Floating Interest Rate
    • Up to 90% margin of finance
  • You BorrowEstimated Interest Rate
    more than RM3500004.65% p.a.

    *Effective interest rate will be determined by ICBC upon approval.

Apply online now for ICBC Home Loan

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for ICBC Home Loan

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to ICBC website

If you have any questions let us know at [email protected], we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

Fees & Charges

There are always fees but how much are they?

Late Penalty Fee
1% p.a. of the outstanding amount
Processing 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
  • MRTA


Are you eligible for this ICBC home loan?

Minimum annual income
Minimum age
21 years old
Maximum age
70 years old
Who can Apply
  • Any nationality

Frequently Asked Questions about ICBC Home Loan

Things you might want to know

What do I need to know about the Industrial and Commercial Bank of China Home Loan?

This is a conventional, straightforward housing loan. It has a floating interest rate and the option to deposit extra cash in a lump sum payment to reduce your loan principal and loan interest - just takes one simple request to the bank.

Subject to your credit-worthiness, the bank can finance up to 90% of the value of your new house.

What are my commitments?

You'll need to pay your monthly installment, that’s a huge enough commitment if you're taking up a 30-year home loan. Your repayments will vary according to fluctuations in the BR

It is important to keep up with the installments because failure to do so will result in unpleasant late payment penalties.

What kind of insurance do I need?

It is compulsory to buy fire insurance. If your property has a Group / Master Insurance, you can request a copy of that policy and get a rebate from Industrial and Commercial Bank of China.

The bank also encourages you to take up Mortgage Reducing Term Assurance ( MRTA) to hedge the risk of losing your family's property due to unforeseen circumstances.

Why should I choose this mortgage?

You have the flexibility to deposit extra cash to reduce your principal and interest charges without paying unnecessary fees, saving you money and time!

What documents are needed when applying a home loan with ICBC?

Salaried nt:

  • NRIC photocopy
  • Latest 6 months salary slip
  • Latest 6 months bank statements / savings passbook
  • Latest EPF statement
  • Letter of Employment
  • Sales & Purchase Agreement / Booking receipt from developer
  • Valuation report if the property is from a sub-sale

Self-employed applicant:

  • NRIC photocopy
  • Latest 6 months salary slip
  • Latest 6 months bank statement
  • Business Registration forms like From 24 & 49
  • Sales & Purchase Agreement / Booking receipt from developer
  • Valuation report if the property is from a sub-sale
  • And any other documents to evaluate your net worth, like fixed deposit certificate or unit trust investment statement

Read More