Islamic Home Financing in Terengganu

Musharakah Mutanaqisah (diminishing partnership) home financing from Affin Islamic: up to 90% + 5% MRTT margin, financing from RM50,000 to RM15 million, tenure to 35 years or age 70, daily-rest profit, a 10% p.a. ceiling rate, and profit-only payments for the first five years.

Tawarruq-based home financing and equity enhancement from Affin Islamic: up to 90% + 5% MRTT margin, minimum financing RM50,000, tenure to 35 years or age 70, a 12% p.a. ceiling rate, and zero early-settlement fees with ibra (rebate) on deferred profit.

Commodity Murabahah home financing under the government's Skim Jaminan Kredit Perumahan (SJKP) guarantee for first-time buyers: up to 100% of property value plus 10% for costs (MRTT, fire Takaful, legal and valuation fees), tenure to 35 years or age 70, zero downpayment.

Variable-rate Tawarruq home financing from AmBank Islamic with margin of financing up to 95% (inclusive of MRTT), tenure up to 35 years or age 70, a ceiling (capping) rate for payment protection, no profit compounding, and waived processing fees.

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).

Bank Islam's refinancing product for completed houses, letting owners lower monthly instalments or unlock cash against the appreciated value of their property. Margin of financing up to 90% (excluding compulsory MRTT/MLTT, householder Takaful if applicable, stamp duty, legal and valuation fees), with the same printed pricing as Baiti: as low as SBR + 0.80% p.a. (EPR 3.55% at the current 2.75% SBR effective 10 July 2025), no lock-in period, no compounding, no processing fee and no early settlement penalty. Product Disclosure Sheet effective 18 November 2025 published in English and Malay (crawled bankislam.com 2026-08-06).

CIMB Islamic's basic term home financing: a simple structure with standard monthly payments to the end of tenure, margin of financing up to 95% including MRTT, legal and valuation fees (capped at 5%), and tenure of 5 to 35 years or age 70. Available for purchase and refinancing of completed and under-construction residential properties including resort homes and serviced apartments, with MRTT financing available for peace of mind. Open to individuals 18+ including (with conditions) foreign applicants (crawled cimb.com.my 2026-08-06).

CIMB Islamic's full-flexi home financing that pairs the financing account with a Special Mudarabah Investment Account-i (SMIA-i): 100% of any balance parked in SMIA-i is recognised to reduce daily financing profit with no cap on savings, and funds can be deposited or withdrawn any time without charge through the OCTO app. Margin of financing up to 95% including MRTT, legal and valuation fees (capped at 5%), tenure 5 to 35 years or age 70, for purchase and refinancing of completed and under-construction residential properties. Group MRTT financing available up to 5% of property value (crawled cimb.com.my 2026-08-06).

Hong Leong Islamic Bank's variable-rate property financing for residential and commercial, completed and under-construction properties: tenure up to 35 years or age 70, prepayment allowed with no prior notice, an option to start monthly instalments during construction to avoid grace-period profit, and a contractual ceiling rate that caps payments no matter how far the benchmark rises. The page prints the full Islamic Base Rate (IBR) framework with a worked example: standard house financing of RM350,000 over 30 years with no lock-in at IBR + 0.72% = 3.60% indicative effective profit rate (IBR 2.88%), monthly instalment RM1,592. Rebate (Ibra') situations are itemised: when effective profit runs below the ceiling, early settlement, prepayment, restructuring, default settlement and cancellation. Supports Skim Rumah Pertamaku-i first-home financing up to 110% and optional MRTT (crawled hlbislamic.com.my 2026-08-06).

HSBC Amanah Malaysia

HomeSmart-i

Flexible home financing from HSBC Amanah with a published indicative rate of SBR + 1.75% = 4.50% p.a. effective lease rental (SBR 2.75%, effective 17 July 2025), free-form deposits and withdrawals that cut profit like a current-account offset, zero withdrawal fees, and up to RM50,000 of moving costs paid under the current campaign.

Maybank Islamic's flagship home financing, based on the principle of Murabahah (cost plus profit) executed through trading of identified Shariah-compliant commodities such as Crude Palm Oil and RBD Palm Olein. Margin of financing runs up to 100% of house value including Mortgage Reducing Term Takaful (MRTT) and related expenses, or up to 90% without; financing eligibility up to 70% of gross income; tenures up to 30 years or age 60 (35 years or age 70 for professionals and graduates). Customers choose fixed, tiered or variable profit rates with a ceiling-rate cap against Islamic Base Rate fluctuation, no compounding of profit, no early settlement charge or lock-in penalty, 20% stamp duty reduction on new financing, waiver on conversion from a conventional facility, and rebate (ibra) for early settlement. Minimum property value RM75,000 and minimum financing RM10,000 (crawled maybank2u.com.my 2026-08-06).

Tawarruq-based variable-rate property financing from MBSB Bank covering purchase, refinancing (with or without cash out) and remortgage of unencumbered property, plus the My First Home Scheme-i variant for first-time buyers aged 40 and below on properties of RM100,000 to RM500,000.

Commodity Murabahah (Tawarruq) home financing from OCBC Al-Amin with payment period to 35 years or age 70, daily-rest calculation, no early-settlement penalty, no compounding, no processing fees, and 100% stamp duty waived when refinancing from a conventional loan.

Public Islamic Bank's flagship home financing for purchase and refinancing with tenures up to 35 years, competitive financing rates and margin, preferential rates for green and environment-friendly purposes, a redraw facility and multiple payment channels via PBe, ATM and Public Bank/Public Islamic Bank branches. The bank's financing rates page prints the reference framework as at 11 July 2025: Standardised Base Rate 2.75% p.a., Base Rate 3.27% p.a. and Base Financing Rate 6.47% p.a. The bank also participates in the First Home Mortgage Guarantee Programme for eligible first-time buyers. Both English and Bahasa Malaysia PDS documents are published on the page (crawled publicislamicbank.com.my 2026-08-06).

RHB Islamic's diminishing partnership mortgage: the page states that 'by adopting the concept of Ijarah and Musyarakah Mutanaqisah, you will rent the Bank's portion of the property and slowly gain full ownership of your home as you purchase more and more Musyarakah units'. It carries a redraw facility on excess or partial payments, minimum financing RM100,000, margin of 90% plus up to 10% for MRTT/MLTT and entry costs (FEC capped at 5%), tenure 5 to 35 years or age 70, for new purchases, refinancing and completed properties. Optional top-up available with good payment record. Open to residents and non-residents 18+ (crawled rhbgroup.com 2026-08-06).

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).

Offset-style Islamic home financing from Standard Chartered Saadiq: cash deposited into a linked Operating Current Account reduces the mortgage rental, with total offset deposits capped at 70% of the financing amount; calculator supports financing of RM70,000 to RM20 million.