RHB Equity Home Financing-i

Applicable for new purchase and refinancing, part-finance your dream house with RHB Islamic via Shariah compliant lease to own concept

    • Up to 35 years
    • Full-Flexi Islamic financing
    • Floating Profit Rate
    • 3 years lock in period
    • Up to 92% margin of finance
    • 30 days approval
  • You BorrowEstimated Profit Rate
    more than RM1000004.65% p.a.

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



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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
No Fee
Monthly Fee
Early Settlement Fee
No Fee
Redemption Letter Fee
RM50.00 per request
Letter for EPF Withdrawal Fee
RM20.00 per request
Insurance Types
  • House Owner Takaful
  • MRTT


Are you eligible for this RHB home financing?

Minimum annual income
Minimum age
18 years old
Maximum age
60 years old
Who can Apply
  • Any nationality
  • Expatriates: MM2H programme (Malaysian spouse)
  • Salaried employee
  • Self-employed

Frequently Asked Questions about RHB Equity Home Financing-i

Things you might want to know

If standard lending practice have got you queasy over the interest charges, ever looked into the possibility of owning a house through joint venture or partnership? RHB Islamic has a solution that might meet your particular financing need via Equity Home Financing-i.

How RHB Equity Home Financing-i works?

In straightforward language, Equity Home Financing-i by RHB Islamic is an Islamic version of lease to own home financing means based on the Shariah concept of Diminishing Partnership and Leasing contracts.

Essentially, you are partnering with RHB Islamic for the purchase of your house. RHB Islamic can finance up to 92% of the property value, with profit rate offered on variable rate basis pegged to Islamic Base Rate. You only provide 10% to cover the remaining portion of the property price.

Based on the 90:10 ratio, the Islamic bank has the majority shares of the property. As you pay your monthly rental, you are gradually purchasing RHB Islamic's share of the property until the end of your tenure, which you’ll own 100% ownership of your home.

Can I make additional payment to shorten home loan tenure?

As this a full flexi Islamic home loan, you can make excess payments on top of your regular monthly installments to reduce your profit charges and principal outstanding. Doing so will help reduce the remaining balance of your home loan quickly as the profit is calculated on daily rest.

Can I redraw excess cash that I’ve paid onto the principal?

Yes you can. Before that, you will need to open an Islamic Current Account to enjoy this feature. The best thing about this cash withdrawal facility is that you can access extra money deposited by way of additional payment as well as partial prepayment, subject to the amount in the redraw bucket.

Do I need a Takaful coverage for this Islamic home loan?

House Owner Takaful is compulsory. It is highly advisable for you to take up Mortgage Term Reducing Takaful ( MRTT) to cover for the burden of settling the outstanding balance in the event of death or total permanent disability.

Am I eligible to apply?

If you are 18 years old and above and holding an NRIC, then you are eligible. For foreigners or expatriates, you are required to be under the MM2H programme as you need to apply for a MM2H visa if you are married to a Malaysian.

What do I need prepare for this Islamic home loan application?

Property documents:

Copy of Sale and Purchase Agreement or Booking Receipts

Salaried employee:

  • Copy of your NRIC or passport
  • Latest 3 months salary slip
  • Latest 3 months salary crediting statement
  • Latest EPF statement
  • Latest BE Form + Tax payment receipt


  • Sole Proprietor & Partnership – Form A & D
  • Private Limited – Form 24 & 49
  • Latest Form B + Tax payment receipt
  • Latest 6 months current account statement

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