Best High Margin Housing Loans in Malaysia

Home loans with a high Margin of Finance generally offer packages that let you charge your moving costs to your loan principal. In this case moving costs normally means the charges for MRTA, MRTT, stamp duty, legal fees and document fees. It's always worth considering insurance with your home loan, including these costs in your mortgage might make your move cheaper in the short term.

The property value is RM

I would like to borrow RM over

My annual income is RM as a

Guide on home loan basics
Bank logoHome loan name and reviewInterest RateBorrowed AmountMonthly RepaymentApply Online
Maybank Commodity Murabahah Home Financing-i

Maybank Commodity Murabahah Home Financing-i

The only shariah compliant home loan based on the concept of Murabahah (cost plus profit) in Malaysia

Estimated Profit Rate
4.25% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2786.56
Read moreApply now
Bank Rakyat Home Financing-i PR1MA

Bank Rakyat Home Financing-i PR1MA

Look for a new place to relax and unwind with a second home for your escapades. Enjoy great interest and better savings.

Estimated Profit Rate
4.43% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2829.95
Read moreApply now
RHB My1 First Home Loan

RHB My1 First Home Loan

Free processing and no monthly fees mean you can lower your home loan repayments and save money for the things you've always wanted to do.

Estimated Interest Rate
4.65% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2883.49
Read moreApply now
Affin Bank My First Home Scheme

Affin Bank My First Home Scheme

Own your first home without paying thousands of Ringgits for your downpayment! Enjoy 100% financing at lower rates for up to 35 years.

Estimated Interest Rate
4.75% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2908.01
Read moreApply now
Bank Rakyat Home Financing-i My 1st Home Scheme

Bank Rakyat Home Financing-i My 1st Home Scheme

For the first time home buyer, get the home you want with MRTT insured home financing. Take the time to find a place that suits you!

Estimated Profit Rate
5.03% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2977.26
Read moreApply now
CIMB My First Home Scheme

CIMB My First Home Scheme

Stop daydreaming about owning a home! Apply for a CIMB housing loan with high financing, no processing fees, and zero downpayments for young adults.

Estimated Interest Rate
5.05% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2982.24
Read moreApply now
Bank Rakyat Home Financing-i Zero Entry Cost

Bank Rakyat Home Financing-i Zero Entry Cost

Get the best rates and the have the most convenient ways to pay off your financing.

Estimated Profit Rate
5.18% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3014.73
Read moreApply now
BSN MyHome (Youth Housing Scheme)

BSN MyHome (Youth Housing Scheme)

Build the future house you always want with your significant other with BSN's conventional home loan. Enjoy RM200 off your monthly instalments with aid from the government and other cost-savings features.

Estimated Interest Rate
6.95% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3475.35
Read moreApply now
BSN MyHome-i (Youth Housing Scheme)

BSN MyHome-i (Youth Housing Scheme)

Settle into your new home on cloud nine with BSN - offering higher limit of financing, lower entry costs in addition to government incentive on instalments via this Shariah compliant mortgage.

Estimated Profit Rate
6.95% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3475.35
Read moreApply now
AmBank Home Loan PR1MA (SPEF)

AmBank Home Loan PR1MA (SPEF)

First home? Second? AmBank can finance up to 100% of the property value under PR1MA home financing. You can choose whether to repay via stepped up financing or EPF ring fencing.

Estimated Interest Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
AmBank My First Home Scheme

AmBank My First Home Scheme

For young adults entering workforce in the private sector, you can now own your first home effortlessly via AmBank with financing up to 100% and zero processing fee

Estimated Interest Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
AmBank My First Home Scheme-i

AmBank My First Home Scheme-i

Buy your first home without breaking the bank. Pay lower entry charges, zero processing fee and competitive profit rates every month with this Islamic facility

Estimated Profit Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
BSN Pembiayaan Perumahan Rakyat

BSN Pembiayaan Perumahan Rakyat

Making it easier for everyone to afford a home - a hosuing loan created for people with a variable income or who are self-employed

Estimated Profit Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
CIMB PR1MA Home Loan

CIMB PR1MA Home Loan

To all singles and newlyweds looking to embark on a city lifestyle, CIMB offers you affordable housing loan under PR1MA with option to get higher and more flexible financing.

Estimated Interest Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
Hong Leong Skim Rumah Pertamaku

Hong Leong Skim Rumah Pertamaku

Hong Leong is making home ownership easier with fast approvals! Get up to 100% financing for young working adults looking to own their first property.

Estimated Interest Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
MBSB My First Home Buyer Scheme

MBSB My First Home Buyer Scheme

Want to purchase your first home for your family? Borrow up to a maximum of 100% of the property price, or up to RM500,000 with the MBSB My First Home Buyer Scheme

Estimated Interest Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
MBSB My First Home Scheme-i

MBSB My First Home Scheme-i

For ambitious first-timer looking to settle in a bigger house. Get up to 100% financing, save on entry and documentation costs and enjoy attractive profit rate with MBSB

Estimated Profit Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
Maybank Skim Rumah Pertamaku

Maybank Skim Rumah Pertamaku

Owning a house is no longer beyond your reach! Get your first home without saving up for a downpayment, pay minimal fees, and high borrowing limit.

Estimated Profit Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
OCBC My First Home Scheme

OCBC My First Home Scheme

Borrow up to RM500,000 for your first home! No need to pay for a downpayment, with loan period of up to 35 years. Open to all Malaysians below 40.

Estimated Interest Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now

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