OCBC Al-Amin Manarat Home-i

Competitive fixed and floating home finance packages based on the Shariah concepts of Musharakah Mutanaqisah and Ijarah Muntahiah bi Al-Tamlik

    • Up to 35 years
    • Semi-Flexi Islamic financing
    • Floating Profit Rate
    • 0 years lock in period
    • Up to 90% margin of finance
  • You BorrowEstimated Profit Rate
    RM300000 - 5000004.80% p.a.

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

Apply online now for OCBC Al-Amin Manarat Home-i

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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
Withdrawal Fee
RM10.60 for each withdrawal
Processing Fee
No Fee
Early Settlement Fee
Redemption Letter Fee
RM53.00 per request
Letter for EPF Withdrawal Fee
RM21.20 per request
Insurance Types
  • MRTT

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


Are you eligible for this OCBC home financing?

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

Frequently Asked Questions about OCBC Al-Amin Manarat Home-i

Things you might want to know

What are OCBC Al-Amin Manarat Home-i home loans?

OCBC's Manarat Home-i home loan packages are created using the Syariah Musharakah Mutanaqisah and Ijarah Muntahiah bi Al-Tamlik concepts diminishing partnership and lease ending with ownership.

Essentially, this means the bank buys the property from you when you take out your home loan, then 'leases' it back to you on a 'rent-to-buy' basis.  Once you've paid off the mortgage, one final nominal payment transfers the house to your ownership.

Manarat Home-i loans from OCBC offer fixed interest rates as well as interest rates linked to the IBR. There are three packages to choose from:


A mortgage plan tailored to first-time home buyers.


A home loan suitable for folks looking at refinancing their property for improvement or reinvestment.


A housing finance package for those who are well-established on the property ladder.

An interesting feature of Manarat-i mortgages is the option to make payments against the principal loan amount whenever you have cash to spare. This last feature is very useful as reducing your mortgage principal means you will pay less interest in the long term. Of course, because life likes to throw little suprises at us every now and then, you can withdraw any extra you paid onto the principal whenever you like.

Do I have to take insurance with this mortgage?

Fire insurance is compulsory. It is very wise to take out an MRTT policy to protect your loved ones, this will settle your outstanding home financing if anything should happen to you. The one-off premium is computed based on your age, loan amount and loan tenure and may be added to the Manarat-i package.

What do I need to apply for this home loan?

If you are an employee earning a salary:

Copy of MyKad (front and back) or latest valid passport and Visa / Work Permit / Employment letter
Last 3 consecutive month's salary slips
Latest EA From with tax receipt duly acknowledged by LHDN, or e-BE Form acknowledged by LHDN
Last 6 month's Bank Statement

If you are self-employed:

Business Registration Certificate – Form 24 and Form 49
Last 8 month's bank statements
2 year's BE form with tax receipt acknowledged by LHDN

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