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Islamic Financial Rate

Financing

Hong Leong Flexi Property Financing-i
(Floating Rate Packages)
Property
Profit Rate
 
Under Construction
Completed Properties
Standard Package
Package 1
Term Financing RM 100,000 and above
House Financing
Year 1: 1.00% p.a. (MRTT)
2.00% p.a. (w/o MRTT)
Thereafter: IFR -1.80% p.a.
Standard Package
Package 2
Term Financing RM100,000 to below RM200,000
Year 1-5 : IFR - 1.75% p.a. (MRTT)
IFR - 1.70% p.a. (w/o MRTT)
Thereafter: IFR - 1.70% p.a.
Term Financing RM200,000 to below RM300,000
Year 1-5 : IFR - 1.80% p.a. (MRTT)
IFR - 1.75% p.a. (w/o MRTT)
Thereafter: IFR - 1.95% p.a.
Term Financing RM300,000 and above
Year 1-5 : IFR - 1.95% p.a. (MRTT)
IFR - 1.90% p.a. (w/o MRTT)
Thereafter: IFR - 2.10% p.a.
Standard Package
Package 3
Term Financing RM50,000 to below RM100,000
Whole financing tenure IFR -0.50%p.a. (compulsory MRTT)
Special House Financing
(Non-Zero Cost Package)
Year 1: IFR -2.75% p.a. (compulsory MRTT) IFR -2.75% p.a. (compulsory MRTT)
Thereafter: IFR + 0.00% p.a. IFR + 0.00% p.a.
House Financing
Zero Cost Package
Term Financing RM100,000 to below RM200,000
Year 1-5 : IFR - 1.40% p.a. (MRTT)
IFR - 1.35% p.a. (w/o MRTT)
Thereafter: IFR - 1.70% p.a.
Term Financing RM200,000 to below RM300,000
Year 1-5 : IFR - 1.55% p.a. (MRTT)
IFR - 1.50% p.a. (w/o MRTT)
Thereafter: IFR - 1.75% p.a.
Term Financing RM300,000 and above
Year 1-5: IFR - 1.65% p.a. (MRTT)
IFR - 1.60% p.a. (w/o MRTT)
Thereafter: IFR - 1.90% p.a.
Shop Financing-i
1. Non Zero Cost Package
Term Financing RM100,000 to below RM200,000
Year 1-5: IFR - 0.80% p.a. with MRTT
IFR - 0.75% p.a. w/o MRTT
Thereafter: IFR - 0.95% p.a.
Term Financing RM200,000 to below RM300,000
Year 1-5: IFR - 1.25% p.a. with MRTT
IFR - 1.20% p.a. w/o MRTT
Thereafter: IFR - 1.40% p.a.
Term Financing RM300,000 and above
Year 1-5: IFR - 1.45% p.a. with MRTT
IFR - 1.40% p.a. w/o MRTT
Thereafter: IFR - 1.60% p.a.
   
Commercial Properties e.g Factories, Office & Retail Lots
Term Financing RM100,000 and above
Year 1-5 :   IFR - 0.60% p.a. with MRTT
IFR - 0.65% p.a. w/o MRTT
Thereafter:   IFR + 0.50% p.a.
2. Zero Cost Package
Term Financing RM100,000 to below RM200,000
Year 1-5: IFR - 0.55% p.a. with MRTT
IFR - 0.50% p.a. w/o MRTT
Thereafter: IFR - 0.75% p.a.
Term Financing RM200,000 to below RM300,000
Year 1-5: IFR - 1.00% p.a. with MRTT
IFR - 0.95% p.a. w/o MRTT
Thereafter: IFR - 1.20% p.a.
Term Financing RM300,000 and above
Year 1-5: IFR - 1.20% p.a. with MRTT
IFR - 1.15% p.a. w/o MRTT
Thereafter: IFR - 1.40% p.a.
Contracted Profit Rate (CPR)
Residential Property IFR +4.00%
Special Housing Financing IFR +4.00%
Commercial Property IFR +4.00%
 
Note:
Individual customer will be eligible for the Special House Financing if they fulfill the following requirements:
 
Peninsular Malaysia - for houses costing not more than RM100,000/- (Sale & Purchase Agreement Price)
Sabah and Sarawak - An additional 20% on the value of houses for Peninsula Malaysia i.e. RM120,000/- (Sales & Purchase Agreement Price)
Only one house ; and
Purchase of property for owner's occupation
A married couple shall be entitled to only one house financing at the prescribed rate

**Rates, term and other information provided are subject to change without prior notice
 

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