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140 articles
Islamic Home Refinancing in Malaysia (2026): Rates, Stamp Duty Waivers and the Conventional-to-Halal Switch
Bank Islam prints 3.55% on refinancing. OCBC waives 100% of stamp duty when you leave a conventional loan. Maybank pays you to convert. How to run the switch properly.
Tabung Haji Hibah Explained (2026): Where the Annual Rate Comes From
TH's distribution is not interest and not guaranteed. The Wakalah mechanics, the full 2018 to 2025 series, the tax and zakat treatment, and how to plan around a variable rate.
Full Islamic Bank vs Islamic Subsidiary in Malaysia (2026): Does It Actually Matter?
Bank Islam has no conventional parent. Maybank Islamic does. Both hold the same licence type and answer to the same regulator. An honest look at whether the difference should drive your choice.
Musharakah Mutanaqisah vs Tawarruq Home Financing (2026): The Contract Behind Your Malaysian Mortgage
One contract makes you the bank's partner. The other makes you a commodity buyer with a deferred bill. Both are approved, but they are not the same thing. Here is the honest comparison.
FWD Takaful Review (2026): Microtakaful From RM2.03 a Month
FWD Kasih sells hibah cover up to RM80,000 from RM2.03 a month, paid by e-wallet, certificate by WhatsApp, with the Federal Territories Mufti on the Shariah committee.
Savings Takaful Plans in Malaysia (2026): Harmoni, i-Tulus and the Alternatives
Savings takaful wraps protection around structured saving, with guaranteed payouts, maturity benefits and one plan that deposits directly into Tabung Haji. Compared honestly.
Home Takaful in Malaysia (2026): Fire, Flood and What Etiqa Publishes
Home takaful covers the roof over your family, and in flood-prone Malaysia the details matter. Etiqa publishes the most, including a 60% wakalah fee. The honest guide.
Ibra Explained (2026): How Rebates Make Early Settlement Work in Malaysian Islamic Financing
Your Islamic financing contract has a sale price far bigger than the amount you borrowed. Ibra is the mechanism that stops you paying it. Here is how the rebate works, and which banks print their terms.
Medical Takaful in Malaysia (2026): Options Compared
From Kaotim's RM1.1 million online plan to Sun Life's RM3 million agency cover, here is how Malaysia's medical takaful options compare on limits, access and published rates.