Home Financing-i Flexi


Home Financing-i Flexi

Bank Rakyat presents the best deal to help you own your dream home.




  • Under Construction
  • Completed / Auction / Subsale
  • Refinancing
  • Purchase and Redemption of Residential Land
  • Construction of House


  1. Flexibility to make excess payment on your financing
  2. Withdraw your excess payment without incurring any charges and additional fee
  3. Potential to reduce the financing tenure and savings on profit charged


  • Age not less than 18 years old on the date of application and not more than 70 years old at the end of financing tenure
  • Not bankrupt
  • No bad records with any other Banks or financial institutions
  • Joint Application is allowed and must be related / direct family members:
    1. Husband / Wife
    2. Parents
    3. Children
    4. Siblings

    Margin of Financing

    Financing up to 95% including MRTT / Legal Fees / Valuation Fees

    Profit Rate

    Financing with MRTT

    Home Financing-i



    Financing Amount

    Profit Rate

    Below RM300,000

    As low as SBR+1.60% 

    RM300,000 & above

    As low as SBR +1.50%

    Standard Base Rate (SBR): 3.00%

    MRTT = Mortgage Reducing Term Takaful

    Effective Financing Rate for Home Financing-i
    Financing amount of RM300,000 & above, 35 years tenure, no lock-in period
    Reference  Rate p.a.Standard Base Rate (SBR) = 3.00%
    Profit Rate p.a.As low as SBR + 1.50%

    Financing Tenure

    Maximum financing period 35 years or aged 70 years; whichever is earlier.

    Fees & Charges

    Wakalah FeeRM28.30
    Custodian of security documents after full settlement.RM10.00 per set per month (inclusive 0% GST)
    Issuance of statement for EPF withdrawal.RM15.00 per document (inclusive 0% GST)
    Stamp Duty Fee0.5% of total financing as contained in the Stamp Duty Act 1949
    Disbursement FeeNIL
    Early Settlement FeeOnly available for Zero Entry Cost package (2.5% of the total financing)
    Valuation FeeApplicable to completed property only
    Redemption FeeRM50 will be charged for individual customer or via lawyer that requested redemption statement from branch
    Late Payment ChargesDuring the financing tenure :
    1% per annum on the overdue instalment amount

    After expiry of financing tenure :
    Shall not be more than the prevailing daily overnight Islamic Interbank Money Market rate (IIMM) on the outstanding balance

    Withdrawal FeeN/A
    Flexi Account Maintenance FeeN/A

    Payment Methods

    • Biro Perkhidmatan Angkasa 
    • Salary Deduction
    • Savings Account-i Deduction
    • Electronic Payment

    Required Documents


    Fixed Income

    • Copy of MyKad; or
    • Authority Card (Police / Military)
    • Latest 3 consecutive months salary slips
    • Latest 3 months of bank statement
    • Latest EPF statement / EA form
    • Confirmation Letter of Employment

    Non Fixed Income

    (Source from Business)

    • Copy of MyKad; or
    • Authority Card (Police / Military)
    • Latest 6 months bank statement (Individual / Business)
    • Business registration / Form 24 or 49
    • B Form with Payment Receipt

    Property Documents

    • Sale & Purchase Agreement
    • Copy of Title
    • Offer to Purchase from Developer
    • Booking Receipt
    • Memorandum of Sale: Auction
    • Valuation Report: Completed / Auction / Subsale / Refinancing / Construction of House

    Product Disclosure Sheet

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