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Home Loan Packages Overview

Exclusive Financing Options & Recommendations for Our Valued Buyers

Prepared by Shawn Ku

Top 4 Recommended Banks

Lowest Rate

RHB Bank

Interest Rate
3.55% - 3.60%
Loan Margin
90%
Why we recommend it: RHB offers one of the most competitive and clearly defined interest rates starting from as low as 3.55%, combined with a solid, standard 90% loan margin. Perfect for buyers prioritizing the lowest possible monthly installment.
Highly Competitive

UOB

Interest Rate
Up to 3.55%
Loan Margin
Up to 90%
Why we recommend it: UOB is extremely aggressive on pricing. If you have a strong financial profile and obtain management approval for the 3.55% rate, this package is virtually unbeatable in the current market.
Highest Margin

Public Bank

Interest Rate
3.60%
Loan Margin
Up to 95%
Why we recommend it: If minimizing your initial cash outlay is your priority, Public Bank is the standout choice. They uniquely offer a potential margin of up to 95% (subject to profile), while still maintaining a very low 3.60% interest rate.
Great Overall

Maybank

Interest Rate
3.55% - 3.65%
Loan Margin
Up to 90%
Why we recommend it: Maybank provides excellent interest rates starting at 3.55% alongside strong standard margins (90% for locals, 85% for SG PR). It's a reliable, highly competitive all-rounder with excellent approval prospects.

All Available Bank Packages

Bank Interest Rate Loan Margin Loan Tenure Notes
RHB Bank 3.55% - 3.60% 90% Up to 35 years -
UOB Up to 3.55% Up to 90% Max 35 years / age 70 Subject to management approval
Public Bank (PBB) Lowest 3.60% (negotiable) Max 95% (typically 90%) Max 35 years / age 70 -
Maybank 3.55% - 3.65% 90% (SG PR: Same 90%, SG: 85%, Foreigner: 80%) Max 35 years / age 70 Based on loan amount & profile
OCBC 3.60% - 3.65% Up to 90% (Foreigner 60-90%) Max 35 years / age 70 -
CIMB 3.60% (highest rating) Not specified Max 35 years / age 70 -
Alliance Bank 3.80% +- (3.65% w/ RM100k dep) Up to 90% Min 5 yrs, Max 35 yrs / age 70 -
AmBank From 3.70% 90% 35 years -
Affin Bank Not specified 90% Max 35 years / age 70 -
MBSB 3.66% - 4.27% (CTOS-based) Max 90% Max 31 years -