Answer first
Compare home loan rates from 13 Malaysian banks. SBR-tied floating rates from 2.88% (Maybank Islamic HouzKEY), fixed rates from 3.90% (Standard Chartered). See spreads, lock-in, redraw, and total cost over the full tenure.
Limited source index
Find provider documents
This index covers only 1 provider. It is not a market-wide comparison or recommendation. Ordering does not indicate value or suitability.
Rates, fees, eligibility and repayment totals are not available as a current, comparable dataset. These discovery links do not establish current availability or terms; obtain the latest product disclosure sheet (PDS) and a dated quotation from the provider.
2 source entries shown.
| Provider | Product page | Type | Source and limits |
|---|---|---|---|
 | MaxiHome | Conventional | Provider page Current PDS and terms not verified. |
| MaxiHome Flexi | Conventional | Provider page Current PDS and terms not verified. |
Build your own comparison worksheet
Request quotations for the same amount and tenure. For each, record the rate basis, monthly payment, total repayment, mandatory fees, eligibility conditions, flexibility and settlement terms. Keep the exact PDS version and quotation date with each figure. Missing terms should remain unknown, not zero.
How to decide
Variable-rate payments can move. Flexibility may help only if its account mechanics and fees match how you actually manage cash.
A practical process
Set purchase price and deposit; estimate financed amount; model current and stressed rates; add duties, legal and valuation costs; compare redraw and lock-in terms.
Limits and next step
Real offers, rates, fees and payments can differ; verify the lender’s current PDS. Check the linked primary source and its captured date before making a commitment.
Malaysian worked example
Show the working
Inputs
- RM500,000 home
- 10% deposit
- RM450,000 loan
- 4.0% for 35 years
Calculation
- monthly reducing-balance payment = RM1,992.49
- total of 420 unrounded payments = RM836,844.26
Illustrative resultThe model gives RM1,992.49 a month and RM386,844.26 interest if the rate never changes.
Real offers, rates, fees and payments can differ; verify the lender’s current PDS.
Sources
- Source checked on 2026-09-14MaybankUpdate required
- Source checked on 2026-09-14MaybankUpdate required
- Source checked on 2026-09-14Bank Negara MalaysiaUpdate required
Update required means this source has passed its internal freshness window. Product-specific commercial claims remain suppressed until the source is checked again.