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Malaysia Home Loan Matching

(with an Expert, Not Just an App)

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A Smarter, Safer Way to Borrow

  1. 01
    AI-Powered Match

    AI-Powered Match

    In 5 minutes, our AI scans thousands of loan options from licensed lenders to find the best match for you.

  2. 02
    Human Expert Review

    Human Expert Review

    A dedicated expert reviews your AI match to ensure every detail is correct and answers your questions.

  3. 03
    Drawdown

    Drawdown

    Finalize your loan with transparent terms and a guided process.

  4. 04
    Case Manager Support

    Case Manager Support

    After drawdown, your dedicated Case Manager helps you manage payments and looks for new offers.

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A Fairer Process for All Malaysians

Home financing is designed for:

Micro, Small & Medium Enterprises (MSMEs)

First-time buyers ready to own instead of renting.

Businesses wanting to scale

Upgraders moving to a bigger home or better location.

Underserved SMEs

Buyers seeking Shariah-compliant financing (Islamic Home Financing-i).

Existing SMEs aiming for modernization

Borrowers with complex credit profiles our Hybrid AI + Human model ensures fair review.

Startups

Self-employed, gig workers, or entrepreneurs with non-traditional income streams.

Bumiputera

Existing owners considering refinancing, top-up, or equity withdrawal.

Navigating Home Loans & Property Financing in Malaysia

Buying a home is the biggest financial commitment most Malaysians will ever make. Securing the right "pinjaman perumahan" (housing loan) is just as important as choosing the right property. This guide breaks down the basics.

What is a Home Loan?

A home loan (or property financing) is a long-term loan used to purchase a residential property. Unlike a personal loan, a home loan is "secured," meaning the property itself is the collateral. If you fail to pay, the bank has the right to repossess the property.

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Two professionals in discussion about personal loans

Key Terms to Know:

  • Margin of Finance (MOF): This is the percentage of the property's price that the bank will lend you. For your first or second home, this is typically 90%. This means you must pay the other 10% as a down payment in cash.
  • Lock-in Period: A period (e.g., 3-5 years) where you will be charged a high penalty fee if you pay off the loan early (e.g., by selling the house or refinancing).
  • MRTA vs. MLTA (Mortgage Insurance):
    • MRTA (Mortgage Reducing Term Assurance): A cheaper insurance policy that pays off the remaining loan balance if you die or suffer total permanent disability. The coverage amount reduces as your loan reduces.
    • MLTA (Mortgage Level Term Assurance): A more expensive policy that pays out a fixed cash sum if you die or suffer TPD. This cash goes to your family, who can then choose to pay off the loan or use the money for other needs.
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Flexi vs. Semi-Flexi vs. Term Loan

Flexi vs. Semi-Flexi vs. Term Loan

This is the most important choice you'll make:

  1. a.Term Loan (Basic): A standard loan with a fixed payment schedule. You cannot easily pay extra to reduce interest, and you cannot withdraw any extra money you've paid. (Least flexible).
  2. b.Semi-Flexi Loan: This is the most common. You can pay extra money at any time to reduce your principal and save on interest. You can also withdraw that extra money, but it usually involves a small fee and some paperwork.
  3. c.Full-Flexi Loan (Flexi): This links your loan account to a current account. Any extra money you put in the current account automatically offsets your loan principal, saving you interest. You can withdraw this money anytime with no fees. (Most flexible, but may have a small monthly fee).

Choosing the right home loan is a 30-year decision. Our platform helps you get the best rates from multiple banks, and our human experts can explain the difference between a "Flexi" and "Semi-Flexi" loan in simple terms.

We don't just find you a loan; we help you find the right one for your future.

Eligibility Requirements

Service Providers

We connect you to reputable banks and financial institutions:

Local Banks & Islamic Banks with SME

Conventional Banks:

OCBC, Hong Leong Bank, CIMB, UOB, HSBC

SME-focused banks & development institutions

Islamic Banks:

Bank Islam (Baiti Home Financing-i), RHB Equity Home Financing-i, Maybank Murabahah Home Financing-i, Muamalat Home Financing-i.

Digital SME

Flexible Packages:

UOB Intelligent Home Loan (redraw, prepayment), HSBC Zero Moving Cost Package.

Government-backed funds

Government / Promotional Schemes:

PR1MA financing, youth homebuyer schemes.

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Payment Calculator

Repayment Calculator

Estimate your home loan repayments easily:

  • Input property price, down payment, tenure, and rate (interest/profit).
  • See monthly instalments and total cost.
  • Compare conventional vs Islamic side-by-side. Explore what-if scenarios like prepayment or early settlement.

(Note: this is an estimate; final terms depend on lender evaluation and credit assessment.)

Eligibility

General requirements for debt consolidation in Malaysia

Citizenship

  • Malaysian citizen or Malaysian Permanent Resident.

Age:

  • 21 - 60 years old.

Minimum income

  • Salaried, self-employed, or business income acceptable with proof.

Margin of Finance (MoF)

  • Up to 90% for first homebuyers (10% down payment required).

Documents required:

  • MyKad / IC
  • Salary slips / bank statements / EPF statements (3-6 months)
  • Property valuation report (if secondary market property)
  • Credit Record: CCRIS / CTOS report will be reviewed.
  • For Islamic Financing: Property must not be used for activities against Shariah.
Eligibility Requirements

How to Apply

Getting a personal loan with us is simple and transparent:

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  1. 1 Submit an online enquiry or WhatsApp/AI chatbot request.
  2. 2 AI matches your profile with suitable financing packages.
  3. 3 Human review ensures borderline cases are fairly considered.
  4. 4 Select your preferred lender and upload required documents.
  5. 5 Bank reviews your credit profile, property details, and valuation.
  6. 6 Once approved, loan disbursed to seller/developer, and ownership transferred.
  7. 7 Your Case Manager provides ongoing financial health support and early repayment guidance.
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FAQ (Property Loan Focus)

What's the difference between conventional and Islamic home financing?

Conventional: interest-based. Islamic: profit-sharing contracts (murabahah, ijarah).

Can non-Muslims apply for Islamic financing?

A clear copy of your NRIC (MyKad), latest 3-6 months' salary slips, bank statements showing salary credit, and EPF (KWSP) statement for salaried employees. Self-employed applicants need business registration documents and business bank statements.

How much is the down payment?

A clear copy of your NRIC (MyKad), latest 3-6 months' salary slips, bank statements showing salary credit, and EPF (KWSP) statement for salaried employees. Self-employed applicants need business registration documents and business bank statements.