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
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Learn More About Home Loans in Malaysia
Explore our guides to help you navigate the home loan process with ease.
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