Best Low Interest Rate Housing Loans in Malaysia

Take one of these low interest home loans and you could be paying a lot less for your new house over the lifetime of your mortgage. A tiny cut in interest rate of 0.25% might result in a saving of tens of thousands of ringgit over thirty years so make sure you do your homework and get the best deal. Who wouldn't want to pay less for their new house?

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Guide on home loan basics
Bank logoHome loan name and reviewInterest RateBorrowed AmountMonthly RepaymentApply Online
Public Bank 5 Home Plan

Public Bank 5 Home Plan

A term housing loan with no processing and monthly fees. Deposit extra cash to reduce your principal and withdraw excess money when you need extra funds

Estimated Interest Rate
4.22% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2779.36
Read moreApply now
Public Bank MORE Plan

Public Bank MORE Plan

Pay minimal fees and get an attractive interest rate when you refinance your home! Enjoy a free Public Bank credit card, cash withdrawal, and overdraft facility.

Estimated Interest Rate
4.22% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2779.36
Read moreApply now
Maybank Commodity Murabahah Home Financing-i

Maybank Commodity Murabahah Home Financing-i

Part-finance the purchase of your dream home via Murabahah - no lock-in period, no compounding profit and no penalty for early settlement!

Estimated Profit Rate
4.25% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2786.56
Read moreApply now
BSN MyHome-i

BSN MyHome-i

No processing fee, competitive profit rates and low monthly payments, BSN ensures that you can move into your new home with peace of mind.

Estimated Profit Rate
4.35% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2810.62
Read moreApply now
CIMB Flexi Home Financing-i

CIMB Flexi Home Financing-i

Enjoy the flexibility of making prepayment and withdraw excess cash with fast 1-Minute CIMB InstaApproval. Plus, earn attractive low profit rate on the remaining balance in your Special Mudharabah Investment Account-i.

Estimated Profit Rate
4.35% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2810.62
Read moreApply now
CIMB HomeFlexi Smart

CIMB HomeFlexi Smart

Take ownership of your dream house with fast 1-Minute CIMB InstaApproval! Enjoy flexibility of repayment, withdrawal of excess cash, no fee for setting up and processing of this home loan!

Estimated Interest Rate
4.35% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2810.62
Read moreApply now
CIMB HomeFlexi Smart-i

CIMB HomeFlexi Smart-i

With 1-Minute CIMB InstaApproval and up to 90% margin of financing, along with flexibility to make prepayment and withdrawal perks - save more on profits and claim the property title quickly!

Estimated Profit Rate
4.35% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2810.62
Read moreApply now
CIMB HomeLoan

CIMB HomeLoan

A conventional term housing loan with fast 1-Minute CIMB InstaApproval, no processing fees and overdraft option so you can withdraw excess cash whenever there's an emergency.

Estimated Interest Rate
4.35% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2810.62
Read moreApply now
CIMB My First Home Scheme

CIMB My First Home Scheme

Stop daydreaming about owning a home! It just takes 1-Minute to own your dream home with CIMB InstaApproval! Apply for a CIMB housing loan with high financing, no processing fees and zero downpayment for young adults.

Estimated Interest Rate
4.35% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2810.62
Read moreApply now
CIMB PR1MA Home Loan

CIMB PR1MA Home Loan

To all singles and newlyweds looking to buy a house, CIMB offers you an affordable PR1MA home loan with optional SPEF Package and fast 1-Minute CIMB InstaApproval!

Estimated Interest Rate
4.35% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2810.62
Read moreApply now
CIMB Variable Home Financing-i

CIMB Variable Home Financing-i

Secure your dream house with this variable rate Islamic home mortgage that finances up to 90% of the property value at competitive profit rates and with fast 1-Minute CIMB InstaApproval!

Estimated Profit Rate
4.35% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2810.62
Read moreApply now
Maybank Maxi Home Flexi Loan

Maybank Maxi Home Flexi Loan

Flexible house financing package offers a combination of a home loan and current account overdraft to manage your money and receive interest earnings.

Estimated Interest Rate
4.35% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2810.62
Read moreApply now
Alliance Bank i-Wish Home Financing-i

Alliance Bank i-Wish Home Financing-i

No setup, processing and monthly maintenance fees with this Shariah compliant home loan based on the concept of Bai Bithaman Ajil

Estimated Profit Rate
4.36% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2813.03
Read moreApply now

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