Maybank Islamic HouzKEY

HouzKEY, a homeownership solution by Maybank Islamic that is designed to assist you in your home financing with great flexibility and cash flow efficiency.

Maybank Islamic HouzKEY
Up to 35 years
Profit Rate
from 2.88% p.a.
Financing type
Term islamic financing
Profit Type
Floating profit rate
Lock In Period
1 year
Margin of finance
up to 100%

Profit Rate

The interest paid based on the home loan amount borrowed

You borrowEstimated Profit Rate
RM250,000 - RM2,000,0002.88% p.a.
*Effective profit rate will be determined by Maybank upon approval.


Minimum Age
  • 18 to 70 years old
Who can apply
  • Malaysians
  • Must not have more than one (1) home financing at the point of application
  • Salaried employee
  • Self-employed
  • Up to 3 guarantors allowed

Fees & Charges

Late Penalty Fee
1% p.a. on the outstanding amount
Processing Fee
No Fee
Early Settlement Fee
No Fee
Malaysian citizen only

More Information

What is HouzKEY?

HouzKEY is a homeownership solution offered by Maybank Islamic. It is designed to assist homebuyers who are unable to own a home due to high initial cost.

Own your dream home now with HouzKEY and after a minimum period of 12 months, you have the option to buy the house at the pre-agreed purchase price.

During the tenure period, you will have to pay monthly payment and your tenure can be extended up to a maximum of 35 years (or up to 70 years old, whichever is earlier).

It is also worth highlighting that you can begin with a 5-year tenure which is also the initial tenure, and subsequently have the flexibility to continue for up to an additional 30 years.

Pathway to owning a home:

  • Check out the eligible properties that are made available on offered by top developers in Klang Valley, Johor and Penang.
  • Browse through your choice of home which includes both landed and non-landed, new launches, under-construction and completed properties up to RM2 Million anywhere within Klang Valley (KL & Selangor), Johor and Penang.

What are the key benefits?

  1. 100% financing and no down-payment required
  2. Zero payment during construction (until the stage where the key or vacant possession is handed over to you)
  3. Lowest monthly payment with the best rate
  4. Low initial upfront requirement as only 3-month refundable payment is required as security deposit (1% of property price)

Am I eligible?

You must be a Malaysian citizen between the age of 18 to 70 years old, with not more than one (1) home financing at the point of application.

This homeownership plan allows you to include up to three (3) guarantors (aged between 18-70 years old) which helps improve the success rate of your application.

The guarantors must be your immediate family members - spouse, parents, siblings, and children only.

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