Untitled Document
Financing > Islamic > Mortgage-i > i-Wish Home Financing-i
i-Wish Home Financing-i

tickA no-frills basic Islamic home financing which is a Shariah compliant product.

tickBased on the Bai Bithaman Ajil concept which is the sale of goods on a deferred payment basis.


tickNo set up or monthly maintenance fee.

tickRefinancing from a conventional loan to Islamic financing entitles customer to a full waiver on the stamp duty.

tickRate protection from the Base Rate (BR) increase with capped ceiling rates


Features Terms
Profit Rate
Variable rate pegged to Standardised Base Rate
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
• Completed or under-construction property
• Subsale
• Top up financing
• Refinancing from another bank with or without cashout

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

Financing amount
Amount pembiayaan
Financing tenure
Tempoh pembiayaan
Effective financing rate
Kadar pembiayaan efektif
Effective date
Tarikh efektif
Home Financing
Pembiayaan Perumahan
30 years / tahun
4.11% p.a.
9 November 2022

This effective financing rate is subject to change from time to time.
Kadar pembiayaan efektif ini adalah tertakluk kepada perubahan dari semasa ke semasa.


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