Banks

Effective Interest Rate 
(% per year)

New Base Rate Flexi Loan? Lock in period
 AIA 4.39%
(BR + 4.39%)
0.00% No 5 years
 Ambank 4.45%
(BR + 0.46%)
3.99% Yes 5 years
 Bank Islam 4.45%
(BR + 0.55%)
3.90% No 5 years
 AmIslamic Bank 4.45%
(BR + 0.46%)
3.99% Yes 5 years
 UOB Bank 4.55%
(BR + 0.53%)
4.02% Yes 3 years
 Al Rajhi Bank 4.60%
(BR + 0.35%)
4.25% No None
 Citibank 4.65%
(BR + 0.95%)
3.70% Yes 6 years
 Maybank 4.65%
(BR + 1.45%)
3.20% Yes 3 years
 Maybank Islamic 4.65%
(BR + 1.45%)
3.20% Yes None
 Alliance Bank 4.65%
(BR + 0.65%)
4.00% Yes 3 years
 Alliance Islamic Bank 4.65%
(BR + 0.65%)
4.00% Yes None
 Bank Muamalat 4.75%
(BR + 0.85%)
3.90% No 5 years
 Public Islamic Bank 4.75%
(BR + 1.10%)
3.65% Yes 3 years
 Public Bank 4.75%
(BR + 1.10%)
3.65% Yes 3 years
 HSBC 4.75%
(BR + 0.85%)
3.90% Yes 5 years
 HSBC Amanah Bank 4.75%
(BR + 0.85%)
3.90% Yes 3 years
 Hong Leong Bank 4.75%
(BR + 0.76%)
3.99% Yes 3 years
 Hong Leong Islamic Bank 4.75%
(BR + 0.76%)
3.99% Yes None
 Standard Chartered Bank 4.77%
(BR + 1.10%)
3.67% Yes None
 Standard Chartered Saadiq Bank 4.77%
(BR + 1.10%)
3.67% Yes None
 Bank Rakyat 4.87%
(BR + 1.00%)
3.87% No 5 years
 RHB Bank 4.95%
(BR + 0.95%)
4.00% Yes 5 years
 RHB Islamic Bank 4.95%
(BR + 0.95%)
4.00% Yes 3 years
 OCBC Bank 5.05%
(BR + 1.03%)
4.02% Yes 3 years
 CIMB Bank 5.05%
(BR + 1.05%)
4.00% Yes 3 years
 CIMB Islamic Bank 5.05%
(BR + 1.05%)
4.00% Yes 3 years
 OCBC Al-Amin Bank 5.05%
(BR + 1.03%)
4.02% Yes None
 Affin Islamic Bank 5.25%
(BR + 1.26%)
3.99% No 3 years
 Affin Bank 5.25%
(BR + 1.26%)
3.99% Yes 5 years
 Malaysia Building Society Bank MBSB 5.85%
(BR + 5.85%)
0.00% No 5 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.