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?

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
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
3.97% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2719.80
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
3.97% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2719.80
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% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2726.91
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
4.1% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2750.68
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
4.1% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2750.68
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
4.11% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2753.07
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
4.18% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2769.78
Read moreApply now
BSN MyHome

BSN MyHome

If buying a dream home is the next step in your life, BSN will help make it happens for you with this conventional home loan and low interest rates

Estimated Interest Rate
4.2% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2774.57
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
4.2% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2774.57
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
4.2% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2774.57
Read moreApply now
KFH Ijarah Mawsufah Fi Al-Zimmah Asset Acquisition Financing-i

KFH Ijarah Mawsufah Fi Al-Zimmah Asset Acquisition Financing-i

The developer's mortgage - a comprehensive Islamic home loan created especially for people buying properties under construction

Estimated Profit Rate
4.2% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2774.57
Read moreApply now
UOB iNTELLIGENT Home Loan

UOB iNTELLIGENT Home Loan

A semi-flexible home loan that offers fortnightly repayments so that you can own your property faster

Estimated Interest Rate
4.24% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2784.16
Read moreApply now
AmBank Islamic Home-i

AmBank Islamic Home-i

Plan ahead with this Shariah compliant home loan from AmBank Islamic - fixed monthly repayments and an interest cap protect you from the unknown.

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

AmBank Islamic HomeLink-i

Ambank Islamic provides you with an Islamic mortgage that lets you reduce tenure by many years with extra repayments on your linked current-account-i

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

Public Bank Home Equity Financing-i

Variable rate Islamic home loan based on Musharakah Mutanaqisah - choose full-flexible or semi-flexible option to suit your needs

Estimated Profit Rate
4.27% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2791.36
Read moreApply now
Bank Islam Baiti Home Financing

Bank Islam Baiti Home Financing

An affordable mortgage based on the Islamic concept of Tawarruq with low interest rate, flexible tenures and payment holiday to help you get into a new home

Estimated Profit Rate
4.32% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2803.39
Read moreApply now
Bank Islam Wahdah Home Financing

Bank Islam Wahdah Home Financing

A remortgage plan based on the Islamic concept of Tawarruq with a capped interest rate and tiered financing to help you lower your home monthly instalments.

Estimated Profit Rate
4.32% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2803.39
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
Affin Home Invest-i

Affin Home Invest-i

A floating rate Islamic home loan that offers competitive profit rate, flexible repayments, excess cash redraw facility and Takaful protection.

Estimated Profit Rate
4.36% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2813.03
Read moreApply now
Bank Rakyat Home Financing-i Manzili Selesa

Bank Rakyat Home Financing-i Manzili Selesa

An Islamic mortgage from Bank Rakyat with competitive profit rates and convenient ways to pay off your monthly installments

Estimated Profit Rate
4.4% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2822.69
Read moreApply now

View More

Apply online now for

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to bank website

If you have any questions let us know at [email protected], we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.