Find the Right Loan Option for You
Explore our comprehensive guide to help you find the best home loan for your needs.
Types of Housing Loans
Full Flexi Housing Loan
Offers maximum flexibilityA full flexi loan allows borrowers to reduce their interest payments by depositing extra funds into their linked loan account. The more you deposit, the less interest you pay.
Offers maximum flexibility to manage your loan repayment and savings simultaneously.
Key Features:
- Borrowers can deposit or withdraw excess funds anytime.
- Interest is calculated daily based on the outstanding principal after deposits.
- Higher monthly installment options for faster loan repayment.
Semi Flexi Housing Loan
Offers maximum flexibility with benefitsA semi-flexi loan offers similar flexibility as a full flexi loan but with more structured control from the bank. Excess funds can be deposited to reduce interest, but withdrawals may require prior bank approval or fees.
Key Features:
- Interest savings on extra payments.
- Allows partial withdrawals with minimal processing fees.
- Slightly lower flexibility compared to full flexi loans.
Long-Term Housing Loan
Offers stability with predictable repaymentsA long-term housing loan provides borrowers with a fixed repayment schedule over an extended period, often ranging from 25 to 35 years. This option is ideal for those who prefer lower monthly installments and long-term financial stability. While it offers affordability, the total interest paid over the loan tenure may be higher.
Key Features:
- Lower monthly installments for better affordability
- Fixed repayment structure for long-term financial planning
- Ideal for first-time homebuyers with limited initial cash flow
High Margin Housing Loan
Maximize your financing with minimal upfront costsA high margin housing loan allows borrowers to secure up to 95% financing of a property's value, reducing upfront costs such as stamp duty, legal fees, and insurance. This loan is ideal for homebuyers looking to minimize out-of-pocket expenses while maximizing loan approval amounts. However, higher loan amounts may result in a longer repayment period and higher overall debt.
Key Features:
- Usually can have higher loan-to-value (LTV) ratio, up to 95% financing
- Some of it covers additional costs like MRTA, legal fees, and stamp duty
- Ideal for first-time buyers with limited savings
Get In-Principle Approval for Your Home Loan Instantly
Ready to take the first step?
Interested to apply for a home loan? See how much home you qualify for with a pre-qualification with our partner bank.
Have Questions? We Can Help.
Give us a call at 019-693 2255
Plan Your Finances with Our Calculators & Guides
Use our free tools to estimate your monthly repayments and make smarter decisions.
Learn More About Home Loans in Malaysia
Explore our guides to help you navigate the home loan process with ease.
8 Faktor Yang Mempengaruhi Kelayakan Loan Rumah
Terdapat beberapa faktor utama yang mempengaruhi kelayakan loan rumah mengikut gaji dan keperluan semasa. 8 Faktor yang Mempengaruhi Kelayakan Loan Rumah Rekod kredit (Credit Score) Pendapatan bulanan dan kemampuan kewangan Tempoh Perkhidmatan Pekerjaan (Job Stability) Umur Pemohon Deposit Rumah (Down Payment) Harga Rumah dan Nilai Pasaran Komitmen Hutang Sedia Ada Dokumen Sokongan Yang Lengkap
2024-12-17
Apa itu Loan Compression dan Kesan dalam Pelaburan Hartanah?
Loan compression adalah strategi pelaburan hartanah yang sangat berisiko namun menawarkan potensi pulangan yang besar jika digunakan dengan bijak. Namun, seperti mana-mana strategi pelaburan yang melibatkan hutang, pelabur harus sentiasa mempertimbangkan risiko kewangan yang terlibat dan membuat keputusan yang berhati-hati. Pelabur juga dinasihatkan untuk berbincang dengan penasihat kewangan atau hartanah yang berpengalaman sebelum melaksanakan teknik ini bagi memastikan mereka memahami sepenuhnya implikasi yang mungkin timbul
2024-09-06
House Loan Calculator: Cara Mengira Pinjaman Rumah Anda
Kira kelayakan pinjaman rumah anda langkah demi langkah. Gunakan kalkulator pinjaman perumahan kami untuk perancangan kewangan bijak. Miliki rumah impian anda dengan bijak!
2024-01-08
Financial Planning with Our Housing Loan Calculator Malaysia
Struggling to navigate through the complexities of financial planning in Malaysia? Look no further. Our housing loan calculator is here to simplify the process for you.
2023-10-03