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

Islamic home leasing for purchasing completed house with margin of finance up to 90% of the property's value and choice to pay monthly rental on fixed or floating rate.

    • Up to 35 years
    • Term Islamic financing
    • Fixed/Floating Profit Rate
    • Up to 90% margin of finance
    • 30 days approval
  • You BorrowEstimated Profit Rate
    RM100000 - 2499994.79% p.a.
    RM250000 - 4999994.59% p.a.
    more than RM5000004.99% p.a.

    *Effective profit rate will be determined by KFH upon approval.

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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
RM53.00 per request
Letter for EPF Withdrawal Fee
RM21.20 per request
Insurance Types
  • MRTT
  • House Owner Takaful

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this KFH home financing?

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

Frequently Asked Questions about KFH Ijarah Muntahiah Bi Al-Tamlik Asset Acquisition Financing-i

Things you might want to know

What is KFH Ijarah Muntahiah Bi Tamlik Asset Acquisition Financing-i?

Okay, it should be clear from the name that this is an Islamic home loan, tailor-made for completed properties and based on the Syariah concept of Ijarah Muntahiah Bi Tamlik. In layman's terms that's a contract between you and the bank giving you the right to use the property in exchange for "rental" payment. A separate transaction at the end of the leasing period will purchase the property from the bank.

Kuwait Financing House will be able to finance up to 90% of the property's value, plus an additional 5% if you include the MRTT and a package offers zero moving cost (ZEC) to cover your entry cost , which consists of legal fees and stamp duty.

Can I choose any types of home acquisition packages?

There are 3 type of packages which KFH Malaysia is offering to customers. Each package varies in terms of profit rates and financing amount. 

For example, you can borrow up to RM500,000 and enjoy a profit rate as low as BR + 1.49% p.a. under the Non Zero Entry Cost (Non ZEC). Or if you want to borrow higher than RM500,000, you'll will paying a monthly rental consisting of BR + 1.89% p.a.under the Zero Entry Cost (ZEC) package. 

Financing AmountPackageProfit Rate
< RM250,000
Non ZEC BR + 1.69% p.a.
> RM250,000 < RM500,000
Non ZEC BR + 1.49% p.a.
> RM500,000ZEC BR + 1.89% p.a.

( KFH Malaysia current Base Rate is 3.10%)

So, these rental payments, how are they calculated?

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

It's useful to know that the bank profit rates will be higher if you decide to take on the MRTT insurance and if you opt for the bank to absorb your entry fees.

Do I need any insurance for the KFH home loan?

That's a definite yes. You have to take up the House Owner Takaful. You'll be recommended MRTT too, and that's not a bad idea as you'll have your home payments covered in the event of any unfortunate circumstances. Here's the good bit: If you settle your loan early, you'll be eligible for a rebate on your insurance premium.

What do I need to apply for this loan?

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

 Salaried applicant:

 Identity Card
 Latest payslip
 Personal Bank Statement
  EPF statement
 EA form

 Self-employed applicant:

 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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