KFH Ijarah Muntahiah Bi Al-Tamlik Asset Acquisition Financing-i

Islamic home financing for purchasing your dream house with up to 90% margin of financing and flexible repayment terms on fixed or floating rate.

KFH Ijarah Muntahiah Bi Al-Tamlik Asset Acquisition Financing-i
Up to 35 years
Profit Rate
from 4.45% p.a.
Financing type
Term islamic financing
Profit Type
Fixed/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 - RM250,0004.89% p.a.
RM250,000 - RM500,0004.45% p.a.
more than RM500,0005.09% p.a.
*Effective profit rate will be determined by KFH upon approval.


Minimum Annual Income
Minimum Age
  • 21 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
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 Muntahiah Bi Tamlik Asset Acquisition Financing-i?

This is an Islamic home loan based on the Shariah concept of lease-to-own, i.e. a leasing contract between you and the Islamic bank. You are granted the rights to occupy the house you're purchasing in exchange for a rental payment. 

You will increase your share of the property gradually by maintaining your monthly payment until the end of the financing period, after which you will ultimately own the house.

For residential property, you can borrow up to 90% of the property value; whereas commercial property is capped at 80% of the market value. You have the option to add another 5% for the financing of MRTT and all costs relevant to documentation and valuation fees.

What property can be financed with KFH home financing?

This Islamic mortgage is available for financing completed properties only. There is no restriction as to the type and location of the property you wish to buy, as long as it is in Malaysia.

That's not all, if you want to take advantage of competitive profit rate and flexible tenure, you can also refinance your house by using this Islamic mortgage.

What is KFH home financing refinance rate?

KFH Malaysia offers a competitive profit rate of BR + 0.95% p.a. for refinancing of your completed property. The minimum refinancing amount you need to apply is RM250,000 under KFH home financing.

How long can I borrow from KFH home financing?

The maximum tenure for residential properties follows standard market practice, which is 420 months (35 years) or upon reaching the age of 70. 

If you want to buy a commercial property, meanwhile, this Islamic mortgage offers financing for up to 180 months (15 years) or upon reaching the age of 60, whichever is earlier.

What are the profit rates for KFH home financing?

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

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

What is Free Moving Cost and how does it affect me?

Free Moving Cost is a feature whereby KFH Malaysia will cover the expenses for documentation and valuation fees of the property, when you apply for a minimum financing amount of RM500,000.

What about my monthly rental payment?

Like any Islamic home loans, you are required to pay a monthly rental calculated on either a fixed or floating rate, based on what is agreed between you and the bank. Note that by choosing a floating rate means your monthly rental amount may vary as the IBR changes.

If you are late on your monthly rental, Kuwait Finance House will charge a late payment fee of 1% on the outstanding amount, which will be calculated daily. 

If you want to make an early settlement of your Islamic mortgage, do inform the bank by giving a written notice 30 days prior to the full settlement. You may receive an Ibra' (rebate) on the profit rates on the remaining unpaid rental payments.

Do I need a Takaful coverage?

You are advised to take up a Mortgage Reducing Term Takaful or House Owner Takaful coverage, which will go toward the payment of outstanding amount in the event of death or total permanent disability. 

For case involving early settlement, customers are eligible to apply for a rebate on premium paid of the remaining tenures.

What documents I need prepare for KFH home financing application?

You are allowed to apply individually or as a joint partnership.

Salaried employees:

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


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

Variable income applicant:

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

Get the financial support you need


We’ll guide you through your application for this financial product