Banks

Effective Interest Rate 
(% per year)

New Base RateFlexi Loan?Lock in period
 AIA4.39%
(BR + 4.39%)
0.00%No5 years
 Ambank4.45%
(BR + 0.46%)
3.99%Yes5 years
 Bank Islam4.45%
(BR + 0.55%)
3.90%No5 years
 AmIslamic Bank4.45%
(BR + 0.46%)
3.99%Yes5 years
 UOB Bank4.55%
(BR + 0.53%)
4.02%Yes3 years
 Al Rajhi Bank4.60%
(BR + 0.35%)
4.25%NoNone
 Citibank4.65%
(BR + 0.95%)
3.70%Yes6 years
 Maybank4.65%
(BR + 1.45%)
3.20%Yes3 years
 Maybank Islamic4.65%
(BR + 1.45%)
3.20%YesNone
 Alliance Bank4.65%
(BR + 0.65%)
4.00%Yes3 years
 Alliance Islamic Bank4.65%
(BR + 0.65%)
4.00%YesNone
 Bank Muamalat4.75%
(BR + 0.85%)
3.90%No5 years
 Public Islamic Bank4.75%
(BR + 1.10%)
3.65%Yes3 years
 Public Bank4.75%
(BR + 1.10%)
3.65%Yes3 years
 HSBC4.75%
(BR + 0.85%)
3.90%Yes5 years
 HSBC Amanah Bank4.75%
(BR + 0.85%)
3.90%Yes3 years
 Hong Leong Bank4.75%
(BR + 0.76%)
3.99%Yes3 years
 Hong Leong Islamic Bank4.75%
(BR + 0.76%)
3.99%YesNone
 Standard Chartered Bank4.77%
(BR + 1.10%)
3.67%YesNone
 Standard Chartered Saadiq Bank4.77%
(BR + 1.10%)
3.67%YesNone
 Bank Rakyat4.87%
(BR + 1.00%)
3.87%No5 years
 RHB Bank4.95%
(BR + 0.95%)
4.00%Yes5 years
 RHB Islamic Bank4.95%
(BR + 0.95%)
4.00%Yes3 years
 OCBC Bank5.05%
(BR + 1.03%)
4.02%Yes3 years
 CIMB Bank5.05%
(BR + 1.05%)
4.00%Yes3 years
 CIMB Islamic Bank5.05%
(BR + 1.05%)
4.00%Yes3 years
 OCBC Al-Amin Bank5.05%
(BR + 1.03%)
4.02%YesNone
 Affin Islamic Bank5.25%
(BR + 1.26%)
3.99%No3 years
 Affin Bank5.25%
(BR + 1.26%)
3.99%Yes5 years
 Malaysia Building Society Bank MBSB5.85%
(BR + 5.85%)
0.00%No5 years

Please check with the respective banks for best interest rates they can offer to you. Rates will be offered differently subject to your credit rating, credit historical records & other factors.

This above list is updated on 4 February 2015.

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