Here is a detailed guide on the Best Home Loan Providers in Malaysia for 2025, including interest rates, loan features, and a comparison of different banks.
🏡 Best Home Loan Providers in Malaysia (2025) – Full Details & Comparison
Buying a home is a major financial commitment, and choosing the right home loan provider can save you thousands in interest payments. In Malaysia, various banks offer competitive home loan packages with low interest rates, flexible repayment terms, and special incentives.
Below is a detailed breakdown of the best home loan providers in Malaysia, their features, and a comparison to help you choose the right one.
1️⃣ Maybank Home Loan
✅ Loan Type: Flexi & Term Loan
✅ Interest Rate: From 3.60% p.a. (Base Rate + 0.80%)
✅ Loan Tenure: Up to 35 years or age 70, whichever is earlier
✅ Loan Amount: Up to 90% + 5% (MRTA/MLTA coverage)
✅ Features:
- Maybank MaxiHome: Flexi home loan with extra repayments and withdrawals
- Maybank HouzKEY: 100% home financing for first-time buyers
- Easy online application
📌 Website: https://www.maybank2u.com.my
2️⃣ CIMB Home Loan
✅ Loan Type: Fixed & Floating Rate Loan
✅ Interest Rate: From 3.65% p.a. (Base Rate + 0.85%)
✅ Loan Tenure: Up to 35 years
✅ Loan Amount: Up to 90% + 5% (MRTA)
✅ Features:
- Flexi home loan with extra payment options
- No early settlement penalty for refinancing
- CIMB EcoSave Home Financing: Special rate for eco-friendly properties
📌 Website: https://www.cimb.com.my
3️⃣ Public Bank Home Loan
✅ Loan Type: Term Loan & Flexi Loan
✅ Interest Rate: From 3.55% p.a. (Base Rate + 0.75%)
✅ Loan Tenure: Up to 35 years
✅ Loan Amount: Up to 90% + 5% (MRTA)
✅ Features:
- Public Bank 5 Home Loan Plan: Choose between fixed and variable rates
- Flexibility to make extra repayments
- Zero lock-in period for selected plans
📌 Website: https://www.pbebank.com
4️⃣ RHB Home Loan
✅ Loan Type: Flexi & Term Loan
✅ Interest Rate: From 3.58% p.a. (Base Rate + 0.78%)
✅ Loan Tenure: Up to 35 years
✅ Loan Amount: Up to 90% + 5% (MRTA)
✅ Features:
- RHB MyHome: Special scheme for first-time buyers
- RHB Green Home Financing: Lower rates for eco-friendly homes
- Flexible repayment with extra payment withdrawal option
📌 Website: https://www.rhbgroup.com
5️⃣ HSBC HomeSmart Loan
✅ Loan Type: Flexi Home Loan
✅ Interest Rate: From 3.50% p.a. (Base Rate + 0.70%)
✅ Loan Tenure: Up to 35 years
✅ Loan Amount: Up to 90%
✅ Features:
- Linked to current account for easy extra payments
- Withdraw extra payments anytime
- No lock-in period
📌 Website: https://www.hsbc.com.my
6️⃣ Bank Islam Home Loan (Muamalat)
✅ Loan Type: Islamic Home Financing (Bai Bithaman Ajil, Musharakah Mutanaqisah)
✅ Interest Rate: From 3.55% p.a. (Base Rate + 0.75%)
✅ Loan Tenure: Up to 35 years
✅ Loan Amount: Up to 90% + 10% (Takaful coverage)
✅ Features:
- Shariah-compliant financing
- Fixed or variable profit rates
- Early settlement rebate (Ibra’) available
📌 Website: https://www.bankislam.com
7️⃣ Bank Rakyat Home Loan
✅ Loan Type: Islamic Home Financing
✅ Interest Rate: From 3.60% p.a.
✅ Loan Tenure: Up to 35 years
✅ Loan Amount: Up to 90% + 10%
✅ Features:
- Competitive rates for government servants
- Easy approval for salary deduction customers
- Zero processing fees
📌 Website: https://www.bankrakyat.com.my
📊 Home Loan Providers Comparison Table
| Bank | Interest Rate | Max Loan Amount | Loan Tenure | Key Features |
|---|---|---|---|---|
| Maybank | 3.60% | 90% + 5% | 35 years | 100% financing (HouzKEY), online application |
| CIMB | 3.65% | 90% + 5% | 35 years | No penalty for early settlement, eco-friendly loan options |
| Public Bank | 3.55% | 90% + 5% | 35 years | Fixed & variable rates, zero lock-in period |
| RHB | 3.58% | 90% + 5% | 35 years | First-time buyer incentives, Green Home Financing |
| HSBC | 3.50% | 90% | 35 years | Linked to current account, no lock-in period |
| Bank Islam | 3.55% | 90% + 10% | 35 years | Shariah-compliant, Ibra’ rebate for early settlement |
| Bank Rakyat | 3.60% | 90% + 10% | 35 years | Easy approval, zero processing fees |
🔍 Conclusion: Which Home Loan is Best for You?
✔ First-Time Home Buyers → Maybank HouzKEY, RHB MyHome
✔ Best Low-Interest Home Loan → HSBC HomeSmart (3.50%)
✔ Best Flexi Loan → Maybank MaxiHome, HSBC HomeSmart
✔ Best Islamic Home Loan → Bank Islam, Bank Rakyat
✔ Best for Government Employees → Bank Rakyat
Before choosing a home loan, compare the total interest cost, repayment flexibility, and processing fees. Always use an online loan calculator to estimate your monthly repayments before applying.
💡 Tip: If you have extra savings, consider a flexi loan, as it allows you to reduce interest costs by making additional repayments.
