KFH Ijarah Mawsufah Fi Al-Zimmah Asset Acquisition Financing-i

The developer's mortgage - a comprehensive Islamic home loan created especially for people buying properties under construction.

KFH Ijarah Mawsufah Fi Al-Zimmah Asset Acquisition Financing-i
Up to 35 years
Profit Rate
from 4.45% p.a.
Financing type
Term islamic financing
Profit Type
Floating profit rate
Margin of finance
up to 90%
Approval in
30 days

Profit Rate

The interest paid based on the home loan amount borrowed

You borrowEstimated Profit Rate
RM150,000 - RM249,9994.89% p.a.
RM250,000 - RM499,9994.45% p.a.
more than RM500,0005.09% p.a.
*Effective profit rate will be determined by KFH 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
No Fee
Redemption Letter Fee
RM50 per request
Letter for EPF Withdrawal Fee
RM20 per request
Insurance Types
  • MRTT
  • House Owner Takaful

More Information

What is KFH Ijarah Mawsufah Fi Al-Zimmah Asset Acquisition Financing-i?

This is an Islamic home loan based on the concept of Forward Leasing, suitable to finance the purchase of property which is under construction. Simply put, your monthly mortgage repayments are considered as 'rental' until the final payment is made.

This home financing plan offers a competitive margin of financing of up to 90% of the property value, plus an additional 5% if you include the MRTT. In addition, you will also get a 20% reduction on Stamp Duty when you apply for this KFH home financing.

What are the profit rates for KFH home financing?

The standard profit rates for KFH home financing is as follows:

Financing AmountPackageProfit Rate
< RM250,000Affordable HomeBR + 1.39% p.a.
> RM250,000End FinancingBR + 1.05% p.a.
> RM500,000Property FinancingBR + 1.39% p.a.
> RM500,000Free Moving CostBR + 1.59% p.a.
> RM250,000RefinancingBR + 0.95% p.a.

Your final profit rate will be determined by KFH Malaysia after assessing your credit profile. You should also know that this profit rate is calculated monthly on a reducing balance method.

Do I need Takaful cover for KFH home financing?

House Owner Takaful is an absolute must, whereas MRTT is optional. As a gift for going above and beyond your monthly repayments by including insurance, you will be able to receive a rebate upon early settlement for any remaining Takaful premium charges.

What do I need to apply for this Islamic home loan?

Applications may be made as an individual, or a joint partnership. You'll need to provide a bunch of documents though..

Salaried employee:

  • Identity Card
  • Latest payslip
  • Personal Bank Statement
  • EPF statement
  • EA form


  • Certificate of business registration
  • B/BE form
  • Personal bank statement
  • Business bank statement

Variable income applicant:

  • Commission payment/statement
  • Annual commission payment
  • Personal bank statement
  • BE form
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