Affin Bank- Affin Home Invest-I (Islamic)

Up to 35 years

Semi-Flexi Islamic financing

Floating Profit Rate

3 years lock in period

Up to 90% margin

Borrowing RM Monthly Repayment

Profit Rate

How Long Year
max 35 Year
Flexi/Term Lock in Period Islamic or Conventional
All Flexi Term All Yes No All Islamic Conventional

Affin Home Invest-i

Get your dream house and protect yourself from the fluctuation of profit rate with Affin Home Invest-i.

    • Up to 35 years
    • Semi-Flexi Islamic financing
    • Floating Profit Rate
    • 3 years lock in period
    • Up to 90% margin of finance

You Borrow

Estimated Profit Rate

RM250000 - 350000

4.50% p.a.

RM351000 - 999000

4.40% p.a.

more than RM1000000

4.30% p.a.

  • *Effective profit rate will be determined by Affin Bank upon approval.


Fees & Charges

There are always fees but how much are they?

Late Penalty Fee - 8.34% revised profit rate p.a. if monthly installment are in default for 3 months

Withdrawal Fee - RM26.50 for each withdrawal

Processing Fee - No Fee

Early Settlement Fee - Subject to terms of agreement with bank

Redemption Letter Fee - RM53.00 per request

Letter for EPF Withdrawal Fee -  RM21.20 per request

Insurance Types - MRTT

*inclusive of 6% GST



Are you eligible for this Affin Bank home financing?

Minimum annual income - RM24000

Minimum age - 18 years old

Maximum age - 70 years old

Who can Apply - Any nationality


Frequently Asked Questions about Affin Home Invest-i

Things you might want to know


Why should I get Affin Home Invest-i?

Affin Home Invest-i is the perfect solution for home owners looking to purchase complete and under construction properties or refinance existing mortgages at least RM200,000 and above, up to 90% of the property value or 95% including Mortgage Reducing Term Takaful ( MRTT).

With Affin Islamic Bank’s ceiling rate you won’t have to worry about your repayments increasing exponentially a few years down the road, because the profit rates are capped at a limit which will be made known to you before the agreement is sign.

Plus Home Invest-I offers flexibility with your payments, so you can deposit extra amounts of cash on top of your monthly repayments to save on your interest charges. All you’ve got to do is to put your request in writing over a counter at an Affin branch.


Do I need any takaful insurance with this Islamic Home Financing?

While it’s not compulsory, you’re encouraged to take up mortgage reducing term takaful or MRTT with this financing package. That way you know that you family will be well provided for, if any mishaps were to happen to you especially if you are the sole breadwinner.


Can a non-Muslim apply for this mortgage?

Definitely yes! It doesn’t matter what your religion or race is, Affin Bank accepts business from any Malaysian that means the requirements for this shariah-compliant financing plan – that’s a minimum income of RM2,000 each month and 18 years of age.


What are my monthly repayments?

Affin Islamic Bank will calculate your repayments each month, which will be based on the amount borrowed, the length of the tenure and profit rate which you are eligible for – which will be based on your credit rating.

As such the longer the mortgage duration, the smaller your monthly commitment is; but you’ll pay more profit rates to the bank in the long run. Taking these points into consideration, having a thorough financial plan and seeking advice from a bank officer is important to help you gauge your ability to meet the monthly commitments.


What documents do I need when I apply?

For the bank to approve your home financing application, you’ll need to provide your Malaysian identity card and other supporting documents. We’ve compiled a list of what you need below:


Salaried applicant:

  • Identity card
  • Last 3 months payslip
  • EA form
  • Last 3 months salary account bank statements
  • Sale & Purchase Agreement
  • EPF statement

Self-employed applicant:

  • Identity card
  • B form
  • Last 6 months business account statements
  • Last 6 months personal account statements
  • Profit & Loss Account or management account

Commission earning applicant:

  • Identity card
  • Last 6 months commission statements
  • Last 6 months commission account statements
  • B form