Home Loans

CITIBANK BHD

• Daily interest calculation.
• Monthly installments for completed properties.
• Interest-only payments for under-construction properties.
• Option to commence installments during construction.
• EPF withdrawal to reduce principal amount.
• Optional MLTA or MRTA insurance plan.

• Daily interest calculation.
• Flexible repayment and withdrawal.
• Option to commence principal repayments during under construction period.
• No monthly maintenance fee.
• Optional MLTA or MRTA insurance plan.

• Flexible repayment and withdrawal.
• Integrated to deposit accounts.
• No maintenance or commitment fee.
• Access to cash over the counter, via ATM, online or checking account.
• Optional MLTA or MRTA insurance plan.

• Islamic loan.
• Capped floating rate.
• Daily interest calculation.
• 1 month payment holiday available.
• Flexible repayment.
• 20% rebate on stamp duty.

• Daily interest calculation.
• Integrated to deposit accounts.
• Flexible repayment and withdrawal.
• On-demand credit line until age 50.
• Multi-tiered overdraft interest rates.
• No maintenance fee.
• Optional MLTA or MRTA insurance plan.

• Daily interest calculation.
• Integrated to deposit accounts.
• Flexible repayment and withdrawal.
• On-demand credit line until age 50.
• Multi-tiered overdraft interest rates.
• No maintenance fee.
• Optional MLTA or MRTA insurance plan.

• Refinance business premises for extra cashflow.
• Flexible repayment.
• Daily interest calculation.
• Optional MLTA or MRTA insurance plan.

• Integrated account with Business Premises
• Loan and Checking account.
• Daily interest calculation.
• Optional MLTA or MRTA insurance plan.

Malayan Banking Bhd

• Up to 95% financing.
• Loan tenure up to 40 years or age 65.
• Repayment less than 40% of monthly income.
• Overdraft facility from BLR – 1.60%.
• Allows monthly installments to be adjusted.
• Individuals, joint-applicants, residents and non-residents.
• Rates from BLR – 2.20%
• Fixed rate packages available from
• 4.50% for first year, 5.00% for first
• 5 years and 5.85% for first 10 years.

• For properties under construction
• Zero payment during construction for
• properties valued at RM100,000 and above.
• Bullet payment of up to 50% of principal amount at the end of loan tenure for properties valued at RM100,000 and above.
• Minimum monthly income of RM5,000 and only applicable to Non Zero Entry Cost cases.
• Loan tenure up to 40 years of 70 years of age for properties valued at RM100,000 and above.
• For professionals and graduates only, age 25 to 35 during loan application and only applicable
• to Non Zero Entry Cost cases.
• 4.50% for first year, 5.00% for first
• For completed properties
• Bullet payment of up to 50% of principal amount at the end of loan tenure for properties valued at RM100,000 and above.
• Minimum monthly income of RM5,000. Only applicable to Non Zero Entry Cost cases.
• Loan tenure up to 40 years of 65 years of age for properties valued at RM100,000 and above.
• For professionals and graduates only, age 25 to 35 during loan application and only applicable to Non Zero Entry Cost cases

• Properties above RM75,000.
• Option to choose term loan, overdraft or both.
• Allows refinancing, from BLR – 1.80%.
• Allows remortgage of fully paid properties or properties free from encumbrances.
• Allows additional financing up to 90% of property.

• Islamic loan.
• Up to 100% financing.
• Loan tenure up to 30 years or age 60
• Minimum loan RM10,000.
• Minimum property value RM50,000.
• Rebate for early settlement.
• For residential properties only.
• For individuals, joint applicants, residents and non-residents.
• Allows third party financing.
• Non Zero Entry Cost.

• Islamic loan.
• From BFR – 3.50%.
• Up to 100% financing.
• Loan tenure up to 10 years.
• Fixed monthly repayment.
• Minimum loan, RM10,000.
• Minimum property value, RM50,000.
• For individuals, joint applicants, residents and non-residents.
• Allows third party financing.
• Rebate for early settlement.
• Non Zero Entry Cost.

• Financing for commercial properties.
• Up to 85% financing.
• Daily interest calculation.
• Option to pay nothing during construction period.
• Option to service interest only for the first 5 years.
• Flexible repayment and withdrawal.
• From BLR – 1.90% or fixed rate at 4.90% for first 3 years and 5.50% for first 5 years.

• Islamic loan.
• Fixed monthly repayment.
• Minimum property value, RM50,000.
• Minimum property value, RM50,000.
• For individuals, joint applicants, residents and non-residents.
• Allows third party financing.
• Variable rate financing.

• From BLR – 1.80%.
• Up to 85% financing in Ringgit Malaysia.
• Loan tenure up to 30 years or 70 years of age.
• MRTA, legal fee and valuation fee can be financed.
• Choice of Term Loan, Overdraft or a Combination of Term Loan and OD.
• Completed or off plan properties, residential and commercial properties located in prime areas of London from Zone 1 – 3.
• Own occupation or investment purposes.
• Flexible repayment and withdrawal.
• Citizens and permanent residents of Malaysia.

• Islamic loan.
• Up to 100% financing.
• Individual applicants age 21 to 65 and businesses.