RHB Equity Home Financing-i

Dependable and flexible home financing from RHB that's fully compliant with Shariah principles via the concept of Musyarakah Mutanaqisah.

    • Up to 35 years
    • Full-Flexi Islamic financing
    • Floating Profit Rate
    • 3 years lock in period
    • Up to 90% 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.

Apply online now for RHB Equity Home Financing-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
Processing Fee
No 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
Insurance Types
  • Liability Reducing Term Takaful
  • MRTT

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


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

Frequently Asked Questions about RHB Equity Home Financing-i

Things you might want to know

What is RHB Equity Home Financing-i Home Loan?

RHB Equity Home Financing-i home loan is a syariah compliant mortgage with a variable interest rate pegged to the Islamic Base Rate. It is a full-flexibile home loan based on the Islamic principle of Musyarakah Mutanaqisah.

Musyarakah Mutanaqisah, or Diminishing Partnership, is a contract between you and RHB to acquire the property together. For example, if you apply for and are approved for 90% financing, RHB owns 90% of the share at the beginning of the mortgage tenure and you own 10%.

As you pay your monthly installments you are gradually purchasing the bank’s share which includes a profit rate (loan interest). At the end of the financing period you’ll own 100% of your home.

As this loan is semi-flexible, you can make excess payments on top of your regular monthly installments to reduce your loan principal. This will also reduce the total amount of interest that you pay.

You can also include Liability Reducing Term Takaful (a MRTT-like insurance) and House Owner Takaful (House content insurance) to your financing amount.

Can I pay extra money onto my loan to decrease the principal?

Can! Anytime that you have extra cash to spare you can pay it into your mortgage against the principal. When you make your payment you must inform the bank that it is for principal reduction.

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

Cannot. Sorry, with RHB Equity Home Financing-I this feature is not available.

Do I need to buy any insurance with this home loan?

House Owner Takaful (house content insurance) is compulsory and Liability Reducing Term Takaful (LRTT) is optional, but strongly advised.

What do I need to apply for this home loan?

If you are an employee earning a salary

A copy of Sale and Purchase Agreement or Booking Receipts
A copy of your identification card (front and back) or passport (first page)
Latest 3 months salary slip
Latest 3 months salary crediting statement
Latest EPF statement
Latest BE Form + Tax payment receipt

If you are self-employed

A copy of your identification card (front and back) or passport (first page) Sole Proprietor & Partnership – Form A & D
Private Limited – Form 24 & 49
Latest Form B + Tax payment receipt
Latest 6 months current account statement
A copy of Sale and Purchase Agreement or Booking Receipts

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