Alliance Home Financing-i

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Alliance Home Financing-i

Description

  • A no-frills basic Islamic home financing with attractive financing terms that tailored to your financial needs.
  • Based on the Shariah contract of Murabahah via Tawarruq (also known as Commodity Murabahah). Murabahah refers to the sale and purchase of an asset where the acquisition cost and the markup are disclosed to the purchaser. Tawarruq refers to purchasing an asset at a deferred price and then selling it to a third party to obtain cash. The Bank will use the cash obtained from the Tawarruq transaction to pay for the purchase of your desired property.

Features

  • Long financing tenure based on your affordability.
  • Designed for purchasing residential properties, whether completed or under construction.
  • Transparency on your maximum payment obligation as the profit rate is capped at the ceiling profit rate.
Features Terms
Profit Rate Variable rate pegged to Standardised Base Rate
Tenure Up to 35 years / 70 years of age
Age Requirement 21 years old and above
Margin of Financing
  • Up to 90% + 5% Mortgage Reducing Term Takaful and/or Financed Entry Cost
  • Max 70% MOF for Cashline Facility-i
Financing Type
  • For financing the purchase of completed and under-construction residential properties.
  • For financing the purchase of subsale residential properties.
  • For refinancing existing mortgage financing facilities.
  • Credit line provided via Cashline Facility-i.
 

Effective financing rate for a 30-year home financing of RM350,000

Product

Financing amount

Financing tenure

Effective financing rate

Effective date

Home Financing-i

 RM350,000 30 years 4.11% p.a. 15 Jul 2025

This effective financing rate is subject to change from time to time.

 

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