Best Term Housing Loans in Malaysia

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.

The property value is RM

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Guide on home loan basics
Bank logoHome loan name and reviewInterest RateBorrowed AmountMonthly RepaymentApply Online
Bank Islam Baiti Home Financing

Bank Islam Baiti Home Financing

An affordable mortgage based on the Islamic concept of Tawarruq with lower interest rates in the early years of tenure to help you get into a new home

Estimated Profit Rate
4.2% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2774.57
Read moreApply now
Bank Islam Wahdah Home Financing

Bank Islam Wahdah Home Financing

A mortgage based on the Islamic concept of Tawarruq with a capped interest rate and tiered financing to help get you started

Estimated Profit Rate
4.2% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2774.57
Read moreApply now
Maybank Commodity Murabahah Home Financing-i

Maybank Commodity Murabahah Home Financing-i

The only shariah compliant home loan based on the concept of Murabahah (cost plus profit) in Malaysia

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

Maybank HomeEquity-i

A conventional Shariah-compliant home loan based on the concept of Musyarakah Mutanaqisah

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

BSN GIRO Home

You'll benefit from BSN's GIRO Home Loan with low interest rates and package options for just about everyone

Estimated Interest Rate
4.4% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2822.69
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
4.45% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2834.79
Read moreApply now
KFH Ijarah Muntahiah Bi Al-Tamlik Asset Acquisition Financing-i

KFH Ijarah Muntahiah Bi Al-Tamlik Asset Acquisition Financing-i

Islamic home loan offering margin of finance up to 95% of your property's value - And if you settle early there's a great rebate on your interest too

Estimated Profit Rate
4.45% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2834.79
Read moreApply now
Affin Bank My First Home Scheme

Affin Bank My First Home Scheme

Own your first home without paying thousands of Ringgits for your downpayment! Enjoy 100% financing at lower rates for up to 35 years.

Estimated Interest Rate
4.5% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2846.92
Read moreApply now
OCBC My First Home Scheme

OCBC My First Home Scheme

Borrow up to RM500,000 for your first home! No need to pay for a downpayment, with loan period of up to 35 years. Open to all Malaysians below 40.

Estimated Interest Rate
4.6% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2871.27
Read moreApply now
Maybank Commodity Murabahah Shophouse Financing-i

Maybank Commodity Murabahah Shophouse Financing-i

One of the best SME commercial property loan available in Malaysia with attractive interest rates and zero lock-in period

Estimated Profit Rate
4.65% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2883.49
Read moreApply now
Al Rajhi Structured Home Financing-i

Al Rajhi Structured Home Financing-i

A straightforward variable interest conventional term mortgage with no late payment fee and no processing fee

Estimated Profit Rate
4.7% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2895.73
Read moreApply now
Bank Rakyat Home Financing-i Manzili Selesa

Bank Rakyat Home Financing-i Manzili Selesa

Conventional term loan based on a floating interest rate with multiple very convenient ways to pay off your installments

Estimated Profit Rate
4.75% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2908.01
Read moreApply now
Hong Leong Housing Loan

Hong Leong Housing Loan

Hong Leong Housing Loan is a straightforward term loan offering an overdraft option - in case you need extra cash once you've moved into your new home

Estimated Interest Rate
4.75% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2908.01
Read moreApply now
ICBC Home Loan

ICBC Home Loan

No monthly fees? Mei wen ti! Get this low interest home loan from ICBC. Pay extra whenever you want with this hassle-free mortgage

Estimated Interest Rate
4.75% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2908.01
Read moreApply now
Public Bank ABBA Financing-i Home Loan

Public Bank ABBA Financing-i Home Loan

A variable rate Islamic home loan with semi-flexi and full-flexi options so that you can choose the best way to manage your money and mortgage

Estimated Profit Rate
4.92% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2949.95
Read moreApply now
AIA Fixed Rate Home Loan Package 1

AIA Fixed Rate Home Loan Package 1

AIA's conventional term home loan has a fixed interest rate, giving you piece of mind and protection against changes in the Base Rate

Estimated Interest Rate
4.99% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2967.32
Read moreApply now
Bank Muamalat Home Financing-i

Bank Muamalat Home Financing-i

An Islamic home loan offering up to 90% margin of finance and no early settlement charges

Estimated Profit Rate
5.05% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2982.24
Read moreApply now
Bank of China Housing Loan

Bank of China Housing Loan

Are you looking for a straightforward home loan with zero processing fees? The Bank of China Housing Loan might tickle your fancy

Estimated Interest Rate
5.05% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2982.24
Read moreApply now
CIMB HomeLoan

CIMB HomeLoan

A conventional term housing loan with no processing fees and overdraft option so you can withdraw excess cash whenever there's an emergency.

Estimated Interest Rate
5.05% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2982.24
Read moreApply now
CIMB My First Home Scheme

CIMB My First Home Scheme

Stop daydreaming about owning a home! Apply for a CIMB housing loan with high financing, no processing fees, and zero downpayments for young adults.

Estimated Interest Rate
5.05% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2982.24
Read moreApply now
CIMB Term Financing-i

CIMB Term Financing-i

Enjoy zero lock-in period, processing fee waivers, and comprehensive GMPT insurance - only with CIMB Term Financing-i

Estimated Profit Rate
5.35% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3057.49
Read moreApply now
AIA Fixed Rate Home Loan Package 2

AIA Fixed Rate Home Loan Package 2

Everyone's favourite American Insurance company offers a conventional home loan with a fixed interest rate.

Estimated Interest Rate
5.39% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3067.60
Read moreApply now
Al Rajhi Business Premises Financing-i

Al Rajhi Business Premises Financing-i

Build up your business empire with this no frills Islamic loan tailor-made for financing commercial property

Estimated Profit Rate
6.4% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3328.64
Read moreApply now
Al Rajhi Home Financing-i

Al Rajhi Home Financing-i

Get the home loan for low income workers - salary requirement only RM1500 per month - special tiered interest rate to help lower your moving costs

Estimated Profit Rate
6.4% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3328.64
Read moreApply now
BSN Pembiayaan Perumahan Rakyat

BSN Pembiayaan Perumahan Rakyat

Making it easier for everyone to afford a home - a hosuing loan created for people with a variable income or who are self-employed

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

Bangkok Bank Home Loan

Finance your dream house with a minimum borrowing of RM300,000 with attractive interest rates and 3 year lock-in period. All Malaysians can apply!

Estimated Interest Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
Hong Leong Skim Rumah Pertamaku

Hong Leong Skim Rumah Pertamaku

Hong Leong is making home ownership easier with fast approvals! Get up to 100% financing for young working adults looking to own their first property.

Estimated Interest Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
MBSB My First Home Buyer Scheme

MBSB My First Home Buyer Scheme

Want to purchase your first home for your family? Borrow up to a maximum of 100% of the property price, or up to RM500,000 with the MBSB My First Home Buyer Scheme

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

MBSB Ultimate

An exclusive home loan with unparalleled benefits and privileges designed especially for those who want to borrow more than RM500000

Estimated Profit Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
Maybank Skim Rumah Pertamaku

Maybank Skim Rumah Pertamaku

Owning a house is no longer beyond your reach! Get your first home without saving up for a downpayment, pay minimal fees, and high borrowing limit.

Estimated Profit Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
Standard Chartered Conventional Housing Loan

Standard Chartered Conventional Housing Loan

Easier to own your dream home, no matter what you earn - set monthly repayments give you control over your financial commitments.

Estimated Interest Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
Standard Chartered Saadiq My Home-i

Standard Chartered Saadiq My Home-i

A straightforward conventional Islamic home loan with fixed monthly installments - ideal for those who have strict financial plans.

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

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