Financing-i Al-Amali


Home Financing-i Al - Amali

Home Financing-i Al – Amali is a financing based on the concept of Murabahah Tawarruq. The maximum and limit of the financing amount is up to RM10,000,000.00.



Financing Maximum Up To



Rates As Low As


Up to thirty five (35) Years


Register Interest

Property Type
  • House
  • Bungalow
  • Semi Detached House
  • Flat
  • Apartment
  • Condominium
  • Small Office Home Office (SOHO)
  • Land Lot/Bungalow with Construction (Land+Building)
Total Financing <RM 500,000.00 >RM 500,000.00
Margin Sebaran +0.40% +0.20%
Profit Rate (%) 4.40% 4.20%


ECOF :4.00% per year (Starting 1 September 2023)

Ceiling Rate : 10%

Lot Kedai/Komersial
Property Type
  • Shop House
  • Office Shop
  • Building
  • Small Office Flexible Hours (SOFO)
  • Small Office Virtual Hours (SOVO)
  • Residential Suites
Total Financing <RM 500,000.00 >RM 500,000.00
Margin Sebaran +1.80% +1.60%
Profit Rate (%) 5.80% 5.60%


ECOF :4.00% per year (Starting 1 September 2023

Ceiling Rate : 10%


  • Malaysian
  • Employed / Self Employed
  • Above 18 years old at the time of application and not more than 70 years old upon the expiry date of the financing period
  • Not bankrupt or have an AKPK record
  • Have a good track record in (CTOS & CCRIS) with the Bank or other financial institutions
  • 'Joint' application is allowed with the number of applicants not exceeding two (2) people. Such applicants must have close family ties
  • Biro Pemotongan Angkasa(BPA)
  • Salary Deduction by Employer (SD)
  • Standing Instruction (SI)
  • Post Dated Cheque (PDC)
  • Cash
  • Financing Tenure = Maximum 35 years (420 months); subject to the age of the applicant which is not more than 70 years at the end of the financing period
  • Progressive Period
    1. For financing where the disbursement conditions are in stages, customers are required to pay the actual monthly profit only during the Progressive Period from the first month the disbursement is made until the last disbursement month or the end of the grace Progressive Period whichever is earlier
    2. For financing that finances condominium construction projects, apartments, flats, business premises and shop houses where the title is strata title, the Progressive Period can be extended from 24 months to 36 months subject to the Progressive Period specified in Sale Purchase Agreement.
  • Mortgage Reducing Term Takaful (MRTT) and Houseowner / Fire Takaful coverage are mandatory
  • Takaful contribution is based on age and financing amount of customer

Minimum RM 300.00 or 0.50% of the financing amount

Permanent buildings such as houses, shop houses and others. Up to 90%
Financing for the purchase of a third home house by an individual Up to 70% of cost / purchase price or market value, whichever is lower Up to 70%

There is no limit subject to salary / income deduction eligibility and debt ratio rate (DSR) allowed

All costs are borne by the applicant or finance together with financing

  • Complete Financing Application Form
  • Copy of Applicant’s Mykad
  • For Fixed Income Applicants
    1. Copy of Latest 3 Months Salary Slip and Confirmation Letter from the Applicant’s Employer
    2. Latest 3 months Savings Account / Bank Statement (salary credited)
    3. Copy of Form EA / Form BE / latest EPF Statement
  • For Non Fixed Income Applicants (Self employed / Professionals)
    1. Business Registration/Form 9, 24, 49, B&D/M&A
    2. Certified copy of Bank Statement / Individual Savings Account & Business Current Account Transactions for the latest 6 months
    3. Individual Current Account Statement for the latest 6 months
    4. Latest Form B and Tax Receipt
    5. Audited Financial Statements (for the last 2 Years)
    6. License / Membership from a recognized Professional Body in Malaysia that has been certified
  • Property Documents
    1. Copy of Sale and Purchase Agreement
    2. Copy of Offer Letter from the developer
    3. Copy grant