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 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
4.47% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2839.64
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
4.47% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2839.64
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 Shariah principle of Murabahah

Estimated Profit Rate
4.6% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2871.27
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
4.63% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2878.60
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
4.75% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2908.01
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
4.76% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2910.46
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
4.77% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2912.92
Read moreApply now
Affin Bank Home Flexi Plus

Affin Bank Home Flexi Plus

A full flexi home loan for financing a new house or refinancing with flexibility to make extra repayment and redraw excess cash in your home loan account.

Estimated Interest Rate
4.86% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2935.11
Read moreApply now
Affin Bank Home Solution Plus

Affin Bank Home Solution Plus

Flexible mortgage plan with an option to combine term loan and overdraft helps you manage and save your finances, ultimately own a home faster.

Estimated Interest Rate
4.91% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2947.47
Read moreApply now
Affin Credit Plus

Affin Credit Plus

A remortgage financing plan for completed and unencumbered properties combining term loan and overdraft facility. Pay extra on your repayment to enjoy interest savings!

Estimated Interest Rate
4.96% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2959.87
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
5.3% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3044.88
Read moreApply now
Affin Tawarruq Home Financing-i

Affin Tawarruq Home Financing-i

A Tawarruq-based Islamic home financing for the acquisition of under construction residential property with up to 90% margin of financing.

Estimated Profit Rate
5.41% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3072.66
Read moreApply now
OCBC Al-Amin Manarat Home-i

OCBC Al-Amin Manarat Home-i

An Islamic home leasing ending with ownership for any homebuyers with multitude of interests. Choose from 3 tailor-made plans: Idaman-i, Impian-i or Warisan-i.

Estimated Profit Rate
5.95% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3210.97
Read moreApply now
OCBC Standard Housing Loan

OCBC Standard Housing Loan

Variable rate housing loan offers flexible repayments, cash withdrawal and credit facility for personal use. Enjoy life insurance financing or MRTA for added comfort.

Estimated Interest Rate
5.95% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3210.97
Read moreApply now
Affin BNM Priority Sector Home Financing-i

Affin BNM Priority Sector Home Financing-i

A fully Shariah-compliant home financing for the low and mid-income segment. Get financing up to 90% margin at an attractive profit rate!

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

Term loan with flexibility to make extra payment to save on interest charges. Only for properties below RM200,000 - perfect for low to mid-income earners.

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 remortgage financing plan for personal use and investment in additional asset. Pay extra on your repayment to enjoy savings on profit charges!

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

Term financing with flexibility to make extra payment to save on profit charges. Only for properties below RM200,000 - perfect for low to mid-income earners.

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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