Bank Islam Malaysia Baiti Home Financing-i

Bank Islam's flagship home financing for under-construction and completed houses, with margin of financing up to 90% (excluding compulsory MRTT/MLTT, optional householder Takaful, stamp duty, legal and valuation fees), tenure up to 35 years or age 70, and printed pricing: as low as SBR + 0.80% p.a., an effective profit rate of 3.55% at the current Standardised Base Rate of 2.75% (effective 10 July 2025). The page states no lock-in period, no compounding elements, no processing fee and no penalty for early settlement. A Product Disclosure Sheet effective 18 November 2025 is published in English and Malay, and the shelf includes an LPPSA civil-servant variant and Wahdah refinancing (crawled bankislam.com 2026-08-06).

Baiti prints the number everyone else hides: 3.55% effective (SBR + 0.80%), with no lock-in, no processing fee and no early settlement penalty, all stated on the page. That is the sharpest visible pricing in this cluster, undercutting HLISB's 3.60% illustrative and forcing Maybank and CIMB customers to negotiate blind. The trade-offs are structural: the Takaful and entry costs are not capitalisable within the 90% margin, so upfront cash is real, and the page never names its contract even though everything else about it is precise. Get Maybank's quote, then use Baiti's printed 3.55% as the lever.