Interest Rate


Monthly Repayment


1. I want to borrow
2. For how long
RHB Islamic Bank Highlights
  • Zero Entry Cost packages
  • Get special low rates upon request
  • Special rates applicable for properties above RM400,000 and good credit borrowers
Terms & Conditions
  • Minimum Age: 21 Years
  • Loan Tenure: Up to 35 Years
  • Margin of Finance: 90% + 5% for MRTA financing
  • Suitable for: Completed homes, under-construction properties, refinancing

Is a RHB Islamic Home Loan Right for Me?

Equity Home Financing-i provided by RHB Islamic is a basic Islamic home term financing product, which is Shariah compliant. It is based on the concept of Diminishing Musharakah whereby the bank and you will acquire the property together and you pay rental on the Bank’s share, which will gradually purchase your share in the partnership until you have fully paid both yours and the bank’s equity.

Zero entry cost financing is available, where legal fees, Mortgage Reducing Term Takaful (MRTT) can be financed in the loan to reduce upfront costs to the borrower.

RHB Islamic Home Loan includes a lock in period of 3 years and you will have to pay an early settlement fee of up to 2% on your outstanding loan amount if you plan to complete your loan repayment within this lock-in period.

RHB Islamic can offer you a margin of financing of up to 90% +10% for entry cost financing. The maximum loan tenure is up to 35 years (in accordance to the latest ruling by Bank Negara Malaysia) or upon reaching age 65, whichever is earlier.

A RHB Islamic home loan calculator is prepared to allow you to calculate your monthly loan instalments. The RHB Islamic housing loan calculator prepared also displays the interest rate that you will most likely incur based on the amount and duration that you wish to take. To begin using the RHB Islamic home loan calculator, all you need to do is insert the loan amount and loan duration, and you will get the monthly repayment amount. To ensure a high success rate for your mortgage application, you should make sure that your monthly commitment (including this loan) does not exceed 60% of your home loan.

RHB Islamic Home Loan Packages

The basic Sharia compliant home financing package Equity Home Financing-I by RHB Islamic is specifically designed to cater to the needs of Islamic home buyers. In the table below, the key features of this home loan packages are highlighted.

Product Key Features Is this a flexi package?
Equity Home Financing-i
  • Islamic home financing package based on concept of Diminishing Musharakah
  • Loan period of up to 40 years or 65 years of age
  • Margin of financing up to 90% + 10% for zero entry cost package

Am I Eligible for a RHB Islamic Home Loan?

RHB Islamic home loans are open for all applicants above 21 years of age. RHB Islamic accepts loan amounts below RM100,000.

What Documents Will I Need to Prepare?

Some of the supporting documents that you will need to provide to the bank when are applying for RHB Islamic Home Loan are:

  • Application Form
  • NRIC / Identity Card
  • Copy of Sales and Purchase or Booking Receipt or Letter of Offer from Developer
  • Copy of Individual Title Deed
  • Property Valuation Report (for completed properties)
  • Latest 3 consecutive months of salary slips / vouchers
  • Latest 6 consecutive months of commission statement
  • Latest EPF statements (with 3 consecutive months or more transaction history)
  • Latest EA form
  • Latest 6 months Bank Statement
  • Letter of Confirmation of Employment and Remuneration

Sounds Great! How Should I Proceed?

The RHB Islamic home loan calculator allows you to find out your monthly repayments based on your desired property value and the loan amount that you wish to get. Once you have identified the loan amount that you are comfortable with taking, you can apply for a home loan in Malaysia through iMoney. Home loan application with iMoney is absolutely free of charge.

If you are uncertain whether RHB Islamic home loan is the best option, click here to compare other home loans in Malaysia.

Is It Easy to Repay my RHB Islamic Housing Loan?

With more than 180 branches across Malaysia, repayments through RHB that can be done easily. There are also a number of other easy repayment methods available to RHB Islamic home loan borrowers.

Online Transfer
Payment through fund transfer from your RHB Islamic Bank Savings or Checking accounts to make your payments online
Pay your loans at any of the MEPS ATMs (over 5,000) nationwide
Interbank GIRO
Payment for your loans through Interbank GIRO fund transfer at the participating bank's branch or online
Standing Instruction Facility
Automatic deduction from your bank account every month
RHB Islamic ATMs
Transfer funds from your RHB Islamic Savings or Checking accounts to make your payment at all RHB Islamic branches
Express Payment machine
Make a check or cash deposit at RHB Islamic branches
Payment by Mail
Mail to RHB Islamic with your check and statement enclosed in an envelope
Phone Banking
Issue instructions to have your bank account deducted to pay for your home loan with your T-PIN

If you are looking for other home loans, you may also consider
Alliance Islamic Bank Home Loan
At Alliance Islamic Bank, the home loan rate starts from Base Rate (BR) 4.00%. The option of a flexi loan package is available and there is a maximum of 90% margin of financing. There is a 3 year lock-in period for this home loan.
Hong Leong Home Loan
Hong Leong Bank provides a housing loan rate starting from Base Rate (BR) 3.99%. The option of a flexi loan package is available and there is a maximum of 90% margin of financing. The lock-in period for this housing loan is 3 years.
UOB Home Loan
The mortgage rate from UOB starts from Base Rate (BR) 3.89%. The option of a flexi loan package is available for this loan and there is a maximum of 90% margin of financing. There is a 3 year lock-in period for this mortgage.
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