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.

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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

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
4.25% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2786.56
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
4.43% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2829.95
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
4.59% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2868.83
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 leasing for purchasing completed house with margin of finance up to 90% of the property's value and choice to pay monthly rental on fixed or floating rate.

Estimated Profit Rate
4.59% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2868.83
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
4.65% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2883.49
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
4.65% 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 rate term mortgage complied to Shariah, with flexible repayment tenures and no processing fee

Estimated Profit Rate
4.7% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2895.73
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
RHB My1 First Home Loan

RHB My1 First 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
4.75% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2908.01
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
4.8% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2920.31
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
4.86% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2935.11
Read moreApply now
Public Bank ABBA Financing-i Home Loan

Public Bank ABBA Financing-i Home Loan

A variable rate Islamic home loan with option of redraw facility 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
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
4.95% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2957.39
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
4.95% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2957.39
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
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, zero processing fee, and comprehensive GMTP coverage. Pay your monthly instalment at a fixed amount for up to 30 years.

Estimated Profit Rate
5.05% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2982.24
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.

Estimated Profit Rate
5.05% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM2982.24
Read moreApply now
Bank Rakyat Home Financing-i Zero Entry Cost

Bank Rakyat Home Financing-i Zero Entry Cost

Get the best rates and the have the most convenient ways to pay off your financing.

Estimated Profit Rate
5.18% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3014.73
Read moreApply now
Bank Rakyat Home Financing-i My 1st Home Scheme

Bank Rakyat Home Financing-i My 1st Home Scheme

For the first time home buyer, get the home you want with MRTT insured home financing. Take the time to find a place that suits you!

Estimated Profit Rate
5.33% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3052.45
Read moreApply now
AIA Fixed Rate Home Loan Package 2

AIA Fixed Rate Home Loan Package 2

Stop worrying over the increase in Base Rate when you can lock in your home loan at a low fixed interest rate with AIA. Not a policyholder? No worry as MRTA will keep you covered!

Estimated Interest Rate
5.39% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3067.60
Read moreApply now
OCBC My First Home Scheme

OCBC My First Home Scheme

To all Malaysians below 40, your chance to own your first home, completed or under construction. Get up to 100% financing at competitive interest rate.

Estimated Interest Rate
5.7% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3146.54
Read moreApply now
Al Rajhi Home Financing-i

Al Rajhi Home Financing-i

Have certainty on your monthly instalment payment and insured against unexpected with MRTT via a fixed rate Islamic mortgage by Al Rajhi Bank

Estimated Profit Rate
6.4% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3328.64
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
6.95% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3475.35
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
6.95% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM3475.35
Read moreApply now
AIA Fixed Rate Home Loan Package 3

AIA Fixed Rate Home Loan Package 3

Turn your dream house into reality at zero cost - secure at least half a million worth of loan to finance your new property to enjoy low interest rate of 4.99%

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

Affin Home Build

Whether it is new or secondhand, owning a house is a necessity now. With Affin Home Build, you are one step closer to buy your very own asset, whether to live in or rent out

Estimated Interest Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
Read moreApply now
AmBank Home Loan PR1MA (SPEF)

AmBank Home Loan PR1MA (SPEF)

First home? Second? AmBank can finance up to 100% of the property value under PR1MA home financing. You can choose whether to repay via stepped up financing or EPF ring fencing.

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

AmBank My First Home Scheme

For young adults entering workforce in the private sector, you can now own your first home effortlessly via AmBank with financing up to 100% and zero processing fee

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

AmBank My First Home Scheme-i

Buy your first home without breaking the bank. Pay lower entry charges, zero processing fee and competitive profit rates every month with this Islamic facility

Estimated Profit Rate
15% p.a.
Borrowing
RM450000
over 20 years
Monthly Repayment
RM
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 My First Home Scheme-i

MBSB My First Home Scheme-i

For ambitious first-timer looking to settle in a bigger house. Get up to 100% financing, save on entry and documentation costs and enjoy attractive profit rate with MBSB

Estimated Profit 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

An easy to own term home loan suitable for everyone of any income bracket. 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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