RinggitPlus compares and help you apply credit cards, personal loans and housing loans.Find the best mortgage deal on your dream house or apartment, or simply discover great promotions and discounts.We will help you at every step of your application, from form submission to approval.

Credit Cards
Credit Cards
Compare the best credit cards
Find the credit card that meets your needs and apply online.
For Your Lifestyle
Choose a card for the way you live
Credit cards with deals and discounts that make the most of your lifestyle.
Balance Transfer
No more debt - instant 0% interest
Move your debt to a low interest balance transfer credit card.
Debit Cards
A safer way to shop online
Compare and apply for the best debit card for your daily transactions.
Cashback Credit Cards
Unlimited cash rebates every day
Get the best cashback credit cards in Malaysia for instant savings.
Travel Credit Cards
Airmiles and overseas travel deals
Choose the best travel credit cards in Malaysia and get free access to KLIA lounge.
Loans
Personal Loans
Borrow at the lowest interest rates
Find the lowest interest rates in Malaysia for the easiest personal loans.
Home Loans
Be sure you're getting the best deal
Simplify the process of getting your housing loan approved - get advice from our experts.
Car Loans
New or used we've got your covered
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Easy Payment Plans (EPP)
Buy with easy monthly instalments
You can afford it when you convert your shopping to simple monthly instalments.
Business Loans
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Savings
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Great money management tool, with freedom to withdraw anytime.
Islamic Fixed Deposits
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Find the best Islamic General Investment Accounts in Malaysia.
Insurance
Term Life Insurance
Protection when the unexpected happens
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Medical Cards
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Car Insurance
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Home Insurance
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Personal Accident Insurance
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Travel Insurance
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Whole Life Insurance
Life protection and savings for you and your family.
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Internet
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Smartphone Plans
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IPTV
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Promotions
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Discover the best credit card discounts, deals, and promotions in Malaysia.
Dining Discounts
Restaurant deals and discounts
Enjoy exclusive restaurant discounts and privileges in Malaysia.
Gadgets Discounts
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Fashion Discounts
Offers on clothing and acessories
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House & Home Discount
Great deals on household items
Great discounts on household decorations, furniture and appliances.
My List
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How To…
All Articles
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Banking Guides
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Insurance Guides
Everything you need to know about Insurance
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Income Tax Calculator
Tools and FAQ guide for tax e-filing
Income Tax 101 with our easy to use calculator and tax guides.

Best Flexi Housing Loans in Malaysia

Flexi Loans let you pay money into your home loan whenever you want, and withdraw that cash whenever you like. Making mortgage overpayments and you'll be able to reduce your home loan principal, interest, and tenure. Full Flexi loans are often tied to a current or savings bank account to make it easier to manage your home financing, ideal for people with a variable income.

Guide on home loan basics

Bank logo	Home loan name and review	Interest Rate	Borrowed Amount	Monthly Repayment	Apply Online
HSBC HomeSmart	HSBC HomeSmart Life comes with lots of choices, housing loans shouldn't be any different. Choose to reshuffle your finances with extra repayments and convenient withdrawals! Free RM500 AEON Voucher - Only at RinggitPlus!2015-09-092020-12-31	Estimated Interest Rate 4.5% p.a.	Borrowing RM450000 over 20 years	Monthly Repayment RM2846.92	Read more Apply now
Citibank FlexiHome Loan	Citibank FlexiHome Loan A completely flexible home loan that lets you pay off your mortgage whenever you want! Pay extra when you can afford it or withdraw when you need extra cash.	Estimated Interest Rate 15% p.a.	Borrowing RM450000 over 20 years	Monthly Repayment RM	Read more Apply now
RHB Equity Home Financing-i	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	Estimated Profit Rate 4.65% p.a.	Borrowing RM450000 over 20 years	Monthly Repayment RM2883.49	Read more Apply now
RHB My1 Full Flexi Home Loan	RHB My1 Full Flexi Home Loan A flexible mortgage plan allows you enjoy interest savings by depositing extra money and withdraw excess cash anytime at zero costs. Suitable for new purchase and refinancing!	Estimated Interest Rate 4.7% p.a.	Borrowing RM450000 over 20 years	Monthly Repayment RM2895.73	Read more Apply now
Hong Leong Mortgage Plus	Hong Leong Mortgage Plus An affordable mortgage plan with fully flexible istalments linked to your current account to reduce interest fees and maximise savings.	Estimated Interest Rate 4.75% p.a.	Borrowing RM450000 over 20 years	Monthly Repayment RM2908.01	Read more Apply now