OCBC Al-Amin Manarat Home-i

An Islamic home leasing ending with ownership for any homebuyers with multitude of interests. Choose from 3 tailor-made plans: Idaman-i, Impian-i or Warisan-i.

    • 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
    more than RM1000004.45% p.a.

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

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

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for OCBC Al-Amin Manarat Home-i

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to OCBC website

If you have any questions let us know at [email protected], we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

Fees & Charges

There are always fees but how much are they?

Late Penalty Fee
1% p.a. of the outstanding amount
Withdrawal Fee
RM10.00 for each withdrawal
Processing Fee
No Fee
Early Settlement Fee
Subject to terms of agreement with bank
Redemption Letter Fee
RM50.00 per request
Letter for EPF Withdrawal Fee
RM20.00 per request
Insurance Types
  • MRTT


Are you eligible for this OCBC home financing?

Minimum annual income
Minimum age
21 years old
Maximum age
70 years old
Who can Apply
  • Any nationality
  • Salaried employee
  • Self-employed

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

Things you might want to know

What is OCBC Al-Amin Manarat Home-i about?

Manarat Home-i operates under the concept of Ijarah Muntahiah bi Al-Tamlik, i.e. lease ending with ownership contract. 

In layman's term, it is a financing method whereby the Islamic bank bought the property of your choice, then grants you the rights to live in it, in exchange for a rental payment (monthly instalment).

At the end of leasing period (tenure, if you will), OCBC Al-Amin will sell the property to you via a separate transaction. Meaning, you gain the ownership of the house following the full settlement of your mortgage. There are three packages to choose from:


A variable rate Islamic mortgage plan tailored to first-time home buyers.


A semi-flexi Islamic home loan package suitable for folks looking at refinancing their property for improvement or reinvestment.


An Islamic 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.

Where can I perform monthly instalment payment?

For monthly loan payment and advance payment, OCBC Al-Amin accepts your money from all payment channels, whether ATMs, Online Banking, Mobile Apps, IBG or OTC. To make capital repayment or settlement, you need to walk in at OCBC branch to do so.

What Takaful plans that come with this Islamic home loan?

A compulsory Fire Takaful is required to protect your house and family from a nasty inferno. As for mortgage, you have the option to take up MRTT to help pay off the remainder of your housing loan if the unexpected happens to you, so your family members won't have to bear the repayment liability.

What documents do OCBC Al-Amin require for this home loan application?

Salary employee:

  • Copy of MyKad (front and back) or latest valid passport and Visa / Work Permit / Employment letter
  • Latest 3-months salary slips
  • Latest EA From with tax payment receipt / e-BE Form acknowledged by LHDN
  • Latest 6-months Bank Statement


  • Copy of MyKad (front and back) or latest valid passport and Visa / Work Permit / Employment letter
  • Business Registration Certificate – Form 24 and Form 49
  • Latest 6-months bank statements
  • Latest 2-years BE form with tax payment receipt

Read More