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Best Term Housing Loans in Malaysia 2025

Term loans follow a simple fixed repayment schedule. These conventional home loans are good for people on a tight budget because sometimes you just want to be certain about how much you've got to pay. Some term loans offer tiered interest rates that charge you less in the early years of your mortgage payment, worth investigating if you're short of money to make a move into a new house.

Bank Islam Baiti Home Financing-i
Profit Rate
from 3.8% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,679.72
Bank Islam Wahdah Home Refinancing-i
Profit Rate
from 3.8% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,679.72
Maybank Islamic HouzKEY
Profit Rate
from 2.88% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,468.74
Bank of China Housing Loan
Interest Rate
from 3.88% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,698.54
RHB My1 First Home Loan
Interest Rate
from 4.1% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,750.68
KFH Ijarah Muntahiah Bi Al-Tamlik Asset Acquisition Financing-i
Profit Rate
from 4.45% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,834.79

Bank Muamalat Home Financing-i
Profit Rate
from 5.11% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,997.21
AIA Fixed Rate Home Loan Package 2
Interest Rate
from 5.39% p.a.
Tenure
over 20 years
Monthly Repayment
RM3,067.60
CIMB Variable Home Financing-i
Profit Rate
from 4.35% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,810.62
Al Rajhi Structured Home Financing-i
Profit Rate
from 4.7% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,895.73
Maybank Commodity Murabahah Home Financing-i
Profit Rate
from 4.25% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,786.56
KFH Ijarah Mawsufah Fi Al-Zimmah Asset Acquisition Financing-i
Profit Rate
from 4.45% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,834.79

ICBC Home Loan
Interest Rate
from 4.65% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,883.49
Hong Leong Housing Loan
Interest Rate
from 4.75% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,908.01
MBSB Standard Home Financing-i
Profit Rate
from 4.55% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,859.08
Bangkok Bank Home Loan
Interest Rate
from 5.67% p.a.
Tenure
over 20 years
Monthly Repayment
RM3,138.86
Affin Bank My First Home Scheme
Interest Rate
from 4.96% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,959.87
OCBC My First Home Scheme
Interest Rate
from 4.45% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,834.79

AIA Fixed Rate Home Loan Package 1
Interest Rate
from 4.99% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,967.32
MBSB My First Home Scheme-i
Profit Rate
from 4.55% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,859.08
Bank Rakyat Home Financing-i My 1st Home Scheme
Profit Rate
from 4.78% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,915.38
Bank Rakyat Home Financing-i Zero Entry Cost
Profit Rate
from 4.93% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,952.43
BSN MyHome-i
Profit Rate
from 4.5% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,846.92
Affin Home Build
Interest Rate
from 5.06% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,984.74
BSN MyHome
Interest Rate
from 4.5% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,846.92
AIA Fixed Rate Home Loan Package 3
Interest Rate
from 5.15% p.a.
Tenure
over 20 years
Monthly Repayment
RM3,007.22
CIMB HomeLoan
Interest Rate
from 4.35% p.a.
Tenure
over 20 years
Monthly Repayment
RM2,810.62

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