Best Semi Flexi Housing Loans in Malaysia

Semi Flexi home loans allow you to make overpayments on your mortgage to reduce your loan principal. The faster you pay off your mortgage principal, the less interest you'll have to pay and the faster you'll own your home. Some semi flexi loans let you take money out of your home financing account. There may be restrictions on the amount and frequency of withdrawals, great for people with changeable income, or whose salary includes commission.

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 mortgage with option of redraw facility and no monthly fees - pay extra to reduce your principal, withdraw cash 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 serivices.

Estimated Interest Rate
4.22% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2779.36
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
OCBC Al-Amin Manarat Home-i

OCBC Al-Amin Manarat Home-i

Competitive fixed and floating home finance packages based on the Shariah concepts of Musharakah Mutanaqisah and Ijarah Muntahiah bi Al-Tamlik

Estimated Profit Rate
4.3% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2798.57
Read moreApply now
Affin Bank Home Solution Plus

Affin Bank Home Solution Plus

Flexible mortgage plan that lets you make extra mortgage repayments, reducing your interest charges. Withdraw excess cash instantly when you need it.

Estimated Interest Rate
4.4% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2822.69
Read moreApply now
Affin Home Invest-i

Affin Home Invest-i

Get your dream house and protect yourself from the fluctuation of profit rate with Affin Home Invest-i.

Estimated Profit Rate
4.4% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2822.69
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
4.47% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2839.64
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
4.52% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2851.78
Read moreApply now
Hong Leong Islamic CM Flexi Property Financing-i

Hong Leong Islamic CM Flexi Property Financing-i

Break away from conventional fixed finance mortgages with this Islamic house financing based on the Syariah principle of Murabahah

Estimated Profit Rate
4.55% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2859.08
Read moreApply now
OCBC Standard Housing Loan

OCBC Standard Housing Loan

Ultra flexible home loan packages from OCBC are tailormade for you - reduce your interest by making payments against your loan principal

Estimated Interest Rate
4.55% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2859.08
Read moreApply now
RHB My1 Home Loan

RHB My1 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 Tawarruq Home Financing-i

Affin Tawarruq Home Financing-i

An Islamic home financing based on the concept of Tawarruq that offers the flexibility of early settlement free of charge!

Estimated Profit Rate
4.8% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2920.31
Read moreApply now
Affin Bank Home Flexi Plus

Affin Bank Home Flexi Plus

Get a combination of a term loan and overdraft for financing a new house or refinancing your current home

Estimated Interest Rate
5.25% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3032.30
Read moreApply now
Affin BNM Priority Sector Home Financing-i

Affin BNM Priority Sector Home Financing-i

Fully Shariah-compliant Islamic Home Financing catered to the low & middle-income group, to help you get the home security that you truly deserve!

Estimated Profit Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
Affin Bank Home Assist Plus

Affin Bank Home Assist Plus

Perfect for the first time home buyer this mortgage is created especially for lower cost houses and folks earning a lower income

Estimated Interest Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
Affin Credit Plus-i

Affin Credit Plus-i

A reliable Islamic home financing that abide by Shariah rules with no hidden fees and puzzling terms. Enjoy lower profit rate with higher financing amount!

Estimated Profit Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
Affin Home Assist Plus-i

Affin Home Assist Plus-i

Affin Home Assist Plus-i is a flexible home financing that conforms to Shariah principle of Musharakah Mutanaqisah and lets you chuck in extra repayment to save on profit charges.

Estimated Profit Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
UOB iNTELLIGENT Retail Loan

UOB iNTELLIGENT Retail Loan

Purchase a commercial property in your own name - realise your business dreams now with attractive rates and flexible repayments from UOB

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

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