Home Loans

Own your dream home with an affordable loan

Daily rate interest calculation

If the borrower is Malaysian, the repayment period of up to 35 years or age 70, whichever is earlier

Able to redraw funds that have been repaid

How to apply

Standard Housing Loan

  • Variable rates pegged to Base Rate (BR)
  • No notice required on extra repayments made
  • Can include or be converted to overdraft facility
  • Available financing for Mortgage Reducing Term Assurance (MRTA) premiums
  • Standing instruction on monthly instalments is available
The bank uses the Base Rate (BR) as the reference rate to price all new retail loans/financing facilities.

The BR is made up of two parts, the Bank's benchmark cost of funds (COF) and BNM's Statutory Reserve Requirement (SRR) cost imposed by Bank Negara Malaysia (BNM).

The Bank's BR and Base Lending Rate (BLR)/Base Financing Rate (BFR) may increase or decrease due to changes in the benchmark cost of funds (COF) and changes in the BNM Statutory Reserve Requirements (SRR). Changes in the benchmark COF could occur due to changes in the Overnight Policy Rate (OPR) as decided by the Monetary Policy Committee of Bank Negara Malaysia, as well as other factors such as changes in the Bank's funding strategy or cost of raising funds.

The current Base Rate effective from 27 July 2016 is 3.72%.

The indicative effective lending rate for a standard 30 years housing loan/financing facility of RM 350,000 is 4.80%.
Historical Benchmark COF and Base Rate

Amount you can borrow

Home Loans
From RM100,000 to 90% of valuation

My First Home Scheme
From RM100,000 – RM500,000

Special Housing Loan Scheme
Up to RM250,000 (EM) and RM300,000 (WM)

Calculate how much you can borrow

Talk to us to find out more

Consult our customer service officers and get free advice for your home loan needs with no obligations.

Find nearest branch to apply

Call us at


03-8317 5000

Need help?

03-8317 5000

or contact us online