RHB Islamic Bank Commodity Murabahah Term Financing-i (CMTF-i) for Home

RHB Islamic's Tawarruq home financing for under-construction purchases, completed purchases and refinancing: the page explains that 'through Tawarruq, you pay us the deferred sale price of a commodity and get cash proceeds when the commodity is sold to help finance your home'. Margin of financing is 90% plus up to 10% for MRTT/MLTT and financing entry costs (FEC capped at 5%), minimum financing RM30,000, tenure 5 to 35 years or age 70. Open to residents and non-residents 18+, joint accounts allowed, no location cap within Malaysia. RHB's Islamic rates page prints the full pricing stack: SBRI 2.75% (effective 11 July 2025), home financing board rates from SBRI + 3.05% (effective 5.80%) for RM1,000,000+ down to SBRI + 3.60% (effective 6.35%) under RM250,000, and a standard home financing indicative rate of 4.50% for RM350,000 over 30 years with no lock-in (crawled rhbgroup.com 2026-08-06).

RHB's CMTF-i pairs plain-language Tawarruq disclosure with the most complete printed pricing stack of the six banks: benchmark, spreads by amount tier, effective rates and a 4.50% standard indicative rate, all dated. Read the board grid as the ceiling and the 4.50% as the anchor for negotiation, then benchmark against Bank Islam's printed 3.55% EPR. For buyers who value being able to check every number online before applying, this is the reference product.