Public Bank

Public Bank ABBA Financing-i Home Loan

A variable rate Islamic home loan with semi-flexi and full-flexi options so that you can choose the best way to manage your money and mortgage

    • Up to 40 years
    • Term Islamic financing
    • Floating Profit Rate
    • 3 years lock in period
    • Up to 90% margin of finance
    • 30 days approval
  • You BorrowEstimated Profit Rate
    RM10000 - 490005.42% p.a.
    RM50000 - 990005.12% p.a.
    more than RM1000004.92% p.a.

    *Effective profit rate will be determined by Public Bank upon approval.

Apply online now for Public Bank ABBA Financing-i Home Loan

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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
Cancellation Fee
RM2000 for cancellation before financing disbursement
Insurance Types
  • MRTT
  • Fire Insurance

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


Are you eligible for this Public Bank home financing?

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

Frequently Asked Questions about Public Bank ABBA Financing-i Home Loan

Things you might want to know

How does the Public Bank ABBA Financing-i Home Loan work?

ABBA Financing-i is a syariah compliant home loan based on the Islamic principle of Bai Bithaman Ajil ( BBA), a deferred payment sale, or buy-and-sell concept. The option, apart from the other plans available in the "5 Home Plan" package, offers semi-flexi and full-flexi options with a variable interest rate fixed to the IBR. Both options allow you to deposit money over and above your monthly mortgage payment to reduce your loan principal, and therefore, your interest.

The fully flexible ABBA option provides you with a current account linked to your loan account. When your loan interest is calculated the balance of your current account is deducted from the principal. You can withdraw cash from the current account at any time just by issuing a cheque and you can issue cheques as often as you like, without paying any processing or withdrawal fees. You will be charged RM10 each month as a current account fee, and a book of 20 cheques costs RM7.50, so spend wisely.

The semi flexible ABBA option offers the same linked current account but the withdrawal process for taking out excess cash is different. Money can only be withdrawn over the counter at the bank, you are restricted to one debit each month, and there's a fee of RM50 every time you take money out.

Whichever option you take, as an added bonus Public Bank will give you a free credit card personal accident insurance of RM10000.

Do I need to take out any insurance with this home loan?

Homebuilding Takaful (Fire Insurance) is compulsory. The premium is charged annually. MRTT is optional but strongly recommended.

What kind of documents do I need to apply for this home loan?

Completed Application form
Copy of SPA / Booking Receipts / Letter or Offer from Developer

If you are an Employee earning a salary

Copy of MyKad (front and back)
Latest 3 to 6 consecutive months salary slips or vouchers or
Latest EA From

And one of the following:
EPF Statement ( latest not more than 1 year) or
Latest Tax Returns and Tax Receipts or
Employment Letter or
Last 3 months Bank Statement or Saving Passbook

If you are Self-Employed

Copy of MyKad (front and back)
Last 6 months bank statements or
Latest 1 year Tax Returns and Tax Receipts

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