Maybank Home Financing-i

A shariah-compliant home loan suitable for home buyers who prefer a fixed monthly repayment

    • Up to 35 years
    • Term Islamic financing
    • Fixed/Floating Profit Rate
    • Up to 90% margin of finance
    • 30 days approval
  • You BorrowEstimated Profit Rate
    RM25000 - 999995.50% p.a.
    RM100000 - 1499995.25% p.a.
    RM150000 - 2499994.65% p.a.
    RM250000 - 4999994.55% p.a.
    more than RM5000004.45% p.a.

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

Fees & Charges

There are always fees but how much are they?

Late Penalty Fee
1% p.a. of the outstanding amount
Withdrawal Fee
no withdrawal options
Processing Fee
Early Settlement Fee
0% No lock-in period
Redemption Letter Fee
RM53.00 per request
Letter for EPF Withdrawal Fee
RM21.20 per request
Insurance Types
  • Fire Insurance
  • MRTT

*inclusive of 6% GST


Are you eligible for this Maybank home financing?

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

Frequently Asked Questions about Maybank Home Financing-i

Things you might want to know

What is Maybank Home Financing-i?

Maybank Home Financing-i is a Syariah-compliant home financing plan based on the concept of Bai’ Bithaman Ajil ( BBA), a deferred payment sale concept. The bank buys the property on your behalf and you defer the total payment of the property by paying a fixed installment to the bank over a specific period of time.

You can use this loan to finance the purchase of residential properties, whether completed or under-construction It can also be used for refinancing and restructuring.

Maybank offers a lower interest rate if you include capitalisation-related expenses such as MRTT premiums, legal fees, and evaluation fees. This portion may be up to 5% of the value of the property. You can also apply for a 100% financing including MRTT and HBT.

Home Financing-i offers you a choice of fixed interest rate or variable interest rate. The fixed rate option has no option to bank in extra cash to reduce your loan principal and a set amount to repay each month, suitable for borrowers with a steady income.

The variable rate option lets you overpay as and when you have extra cash in order to reduce the loan principal. This will help you decrease your overall loan interest paid. You can also withdraw the additional cash you have banked over the counter - maximum RM5000 each withdrawal with no fees. This might suit borrowers with a variable income, or the self-employed.

Do I need any insurance?

It is compulsory to buy Homebuilding Takaful. You are also encouraged to buy a MRTT which settles your outstanding mortgage should anything happen to you. The premium is a one-off payment, ccalculated on your age, loan amount, tenure and interest rate.

Can a foreigner apply?

Yes, however your loan amount must be greater than RM500,000.

What kind of documents will I need to provide to apply for this loan?

Complete the Application Form
Include a copy of SPA / Booking receipts / Letter of Offer from Developer

Salaried applicant:

Copy of MyKad (front and back) or latest valid passport
Last 3 consecutive months salary slips or 6 consecutive months commission statement
Latest EPF statements with 3 consecutive months or more transaction history
2 years EA From with tax receipt duly acknowledged by LHDN
Last 6 months Bank Statement
Letter of Confirmation of Employment and Remuneration from your employer

Self-employed applicant:

Copy of MyKad (front and back) or latest valid passport
Business Registration Certificate – Form 24 and Form 49
Last 6 months bank statements
Audited financial statement of business
2 years BE form with tax receipt duly acknowledged by LHDN

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