{"id":5866,"date":"2016-04-11T05:48:24","date_gmt":"2016-04-11T05:48:24","guid":{"rendered":"http:\/\/www.comparehero.my\/blog\/?p=5866"},"modified":"2026-03-27T09:50:13","modified_gmt":"2026-03-27T01:50:13","slug":"best-islamic-home-loans-malaysia-2","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html","title":{"rendered":"The Best Islamic Home Loans in Malaysia"},"content":{"rendered":"<p style=\"text-align: justify;\">Are you looking to purchase a property? Why not broaden your financing options by considering Islamic home loans? We\u2019ve rounded up the best Islamic home loans in Malaysia for you to read below!<!--more--><\/p>\n<h2><strong>How Does Islamic Home Financing Work? <\/strong><\/h2>\n<p style=\"text-align: justify;\">An Islamic home loan must first and foremost ensure that it is <em>Shariah<\/em> compliant. This means that there are no interest-based (<em>riba<\/em>) transactions, speculation (<em>gharar<\/em>) and there are no <em>haram<\/em> (unlawful) transactions involved. The essential key to Islamic finance is also the notion that money itself has no intrinsic value, so money is not allowed to create more money. Therefore, Islamic banks must provide services or products in order for them to earn profits.<\/p>\n<p style=\"text-align: justify;\">With Islamic home financing, banks usually provide either buy and sell (<em>Murabahah)\u00a0<\/em>or leasing services (<em>Ijarah<\/em>). With the <em>Murabahah <\/em>concept<em>,<\/em> you choose a property and through an Islamic home financing, you and the bank will then enter into a contract where the bank buys the property <strong>for<\/strong> you. The bank will then re-sell the property to you at a higher price in the form of instalments over a fixed period of time.<\/p>\n<p style=\"text-align: justify;\">As for the <em>Ijarah<\/em> concept, it is based on a transfer of property ownership at the end of leasing. The bank will buy the property for you, and you will buy back the property by making installment payments. This concept allows you to buy out a property from the bank while paying for \u201crent\u201d.<\/p>\n<h2><strong>Advantages of Islamic Home Financing <\/strong><\/h2>\n<ul>\n<li>Customers receive <em>Ibra<\/em> (rebate) from some Islamic banks when you make early settlement on your home financing.<\/li>\n<li>Under Budget 2016, all Islamic home financing will receive 20% off stamp duty exemption as part of the government\u2019s effort to boost Islamic financing.<\/li>\n<\/ul>\n<p><strong>See also: <\/strong><a href=\"https:\/\/www.comparehero.my\/blog\/the-best-islamic-credit-cards-malaysia\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>The Best Islamic Credit Cards in Malaysia<\/strong><\/a><\/p>\n<h3><strong>Find out more about the best Islamic Home Financing in Malaysia below! <\/strong><\/h3>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5871 size-full\" src=\"https:\/\/i0.wp.com\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2016\/04\/MY_BLOG_IslamicHomeLoans_01.jpg?resize=640%2C289&#038;ssl=1\" alt=\"islamic home loans, islamic loans Malaysia, islamic home financing \" width=\"640\" height=\"289\" \/><\/p>\n<h2><strong>Maybank Islamic Commodity Murabahah Home Financing-i <\/strong><\/h2>\n<p style=\"text-align: justify;\">This is a cost + profit (<em>Murabahah<\/em>) loan, which translate to a buy and sell contract between the bank and the customer. A <em>Shariah<\/em> compliant commodity will be identified (such as crude palm oil) and it will be used as the underlying asset for the sale and purchase transaction between the customer and the bank. This underlying asset is for meant to raise funds to finance the property.<\/p>\n<p style=\"text-align: justify;\">This loan offers financing eligibility of up to 70% of your gross income (subject to the bank\u2019s approval). You can choose from fixed, tiered or variable profit rate with this loan, and the effective profit rate will be determined by Maybank upon the approval of the loan. There is no locked in period penalty for this loan and customers will be granted <em>Ibra (<\/em>rebate<em>)\u00a0<\/em>for early loan settlement. This loan is suitable for both completed or under construction properties.<\/p>\n<p><strong><u>Requirement<\/u><\/strong><br \/>\n<strong>Minimum income: <\/strong>RM24,000 annually<br \/>\n<strong>Age: <\/strong>21 years old and above<br \/>\n<strong>Financing tenure: <\/strong>30 years or age 60 (whichever comes first) \/\u00a035 years or age 70 for professionals and graduates.<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5873 size-full\" src=\"https:\/\/i0.wp.com\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2016\/04\/MY_BLOG_IslamicHomeLoans_03.jpg?resize=640%2C289&#038;ssl=1\" alt=\"islamic home loans, islamic loan Malaysia, islamic home financing \" width=\"640\" height=\"289\" \/><\/p>\n<h2><strong>Alliance Islamic Bank i-Wish Home Financing <\/strong><\/h2>\n<p style=\"text-align: justify;\">Based on the concept of deferred payment sale (<em>Bai Bithaman Ajil<\/em>) this is another option for those looking for <em>Shariah<\/em> compliant home financing.<\/p>\n<p style=\"text-align: justify;\">This loan is suitable for completed and under construction properties as well as for those looking to refinance their property. The profit rate is up to the BR rate of +0.55%. (the current <a href=\"http:\/\/www.br.my\/alliance\/index.htm\" target=\"_blank\" rel=\"follow noopener noreferrer\">base rate for Alliance bank<\/a> is 3.97%) So as of now, the profit rate for this loan would be 3.97% + 0.55% = 4.52%.<\/p>\n<p style=\"text-align: justify;\">You can also opt to take Takaful coverage with this loan, so you can have a peace of mind without worrying about burdening your family or loved ones with debt should anything happens to you during the loan tenure. You are also eligible for <em>Ibra<\/em> for an early loan settlement, so it pays to settle your loan early.<\/p>\n<p><strong><u>Requirement<\/u><\/strong><br \/>\n<strong>Minimum income: <\/strong>RM24,000 annually<br \/>\n<strong>Age: <\/strong>21 years old and above<br \/>\n<strong>Financing tenure: <\/strong>\u00a035 years or age 75 (whichever comes first).<\/p>\n<h2><strong>HSBC Amanah Home Smart-i<\/strong><\/h2>\n<p style=\"text-align: justify;\">Based on the diminishing <em>Musyarakah<\/em> concept, this means that the bank and the customer will be in a partnership to buy a property. The bank\u2019s share of the property will then diminish over time during the loan tenure while the customer\u2019s share increases from the result of the monthly payments made to the bank.<\/p>\n<p style=\"text-align: justify;\">The profit rate charged for this loan per annum is BR+1.10%. The current base rate for HSBC is 3.75% so the effective financing rate per annum would be 4.85%. It is important to take note that the monthly payment and total amount to be paid will vary if there are any changes made to the BR. This loan also has a monthly service fee of RM10 plus 6% throughout the tenure of the loan. Financing margin is up to 90% of the current market value of the property but this is subject to the bank\u2019s approval.<\/p>\n<p style=\"text-align: justify;\">Customers also have an option to take up the Takaful Reducing Term Cover for Home Financing to protect their family from the burden of home financing should anything unexpected happen.<\/p>\n<p><strong><u>Requirement<\/u><\/strong><br \/>\n<strong>Minimum income: <\/strong>RM24,000 annually<br \/>\n<strong>Age: <\/strong>18 years old and above<br \/>\n<strong>Financing tenure: <\/strong>\u00a035 years or age 65 (whichever comes first).<\/p>\n<h2><strong>CIMB Islamic Ijarah Property Financing-i<\/strong><\/h2>\n<p style=\"text-align: justify;\">Based on the <em>Ijarah Muntahiyah Bittamik<\/em> concept, this loan offers transfer of property ownership from bank to customer. At the end of the lease through paying a nominal amount to the bank throughout the loan tenure, the ownership of the property will then be transferred from the bank to the customer.<\/p>\n<p style=\"text-align: justify;\">This loan offers high margin of financing, however the effective profit rate is not clearly stated. That being said, it is capped at competitive profit rate of 10.75% per annum which is quite high compared to others in the market. The exact rate will be determined by the bank upon the approval of the loan. The downside of this loan is that it is limited to the financing of completed residential or business properties only.<\/p>\n<p><strong><u>Requirement<\/u><\/strong><br \/>\n<strong>Minimum income: <\/strong>RM24,000 annually<br \/>\n<strong>Age: <\/strong>18 years old and above<br \/>\n<strong>Financing tenure: <\/strong>\u00a035 years or age 70 (whichever comes first).<\/p>\n<p>As a friendly reminder, it is recommended that your debt to income ratio <strong>does not exceed 40%<\/strong> of your gross monthly income. To calculate your debt to income ratio:<\/p>\n<p><strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 Monthly loan repayments<\/strong><\/p>\n<p><strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 ______________________\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/strong><strong>\u00a0 X 100 <\/strong><\/p>\n<p><strong>\u00a0\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0 Net monthly income\u00a0 <\/strong><\/p>\n<p>Looking for more <em>Shariah<\/em> compliant financing? <strong><a href=\"https:\/\/rpstagingdot.wpcomstaging.com\/credit-card\/islamic\" target=\"_blank\" rel=\"noopener noreferrer\">Compare Islamic credit cards<\/a> <\/strong>and <strong><a href=\"https:\/\/rpstagingdot.wpcomstaging.com\/personal-loan\/islamic\" target=\"_blank\" rel=\"noopener noreferrer\">Islamic personal loans<\/a> <\/strong>for free on CompareHero.my!<\/p>\n<p><a href=\"https:\/\/rpstagingdot.wpcomstaging.com\/personal-loan\/partners\/standard-chartered\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11897 size-full\" src=\"https:\/\/i0.wp.com\/optimized-blogassets.comparehero.my\/blog\/my_MY\/wp-content\/uploads\/2016\/05\/MY_BLOG_SC-Personal-Loan.jpg?resize=640%2C285&#038;ssl=1\" alt=\"Apply for Standard Chartered Personal Loan\" width=\"640\" height=\"285\" \/><\/a><\/p>\n<p><span style=\"border-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font: bold 11px\/20px 'Helvetica Neue',Helvetica,sans-serif; color: #ffffff; background: #bd081c no-repeat scroll 3px 50% \/ 14px 14px; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer; top: 3760px; left: 20px;\">Save<\/span><\/p>\n<p><span style=\"border-radius: 2px; text-indent: 20px; width: auto; padding: 0px 4px 0px 0px; text-align: center; font: bold 11px\/20px 'Helvetica Neue',Helvetica,sans-serif; color: #ffffff; background: #bd081c no-repeat scroll 3px 50% \/ 14px 14px; position: absolute; opacity: 1; z-index: 8675309; display: none; cursor: pointer; top: 3716px; left: 20px;\">Save<\/span><br \/>\n[tags]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you looking to purchase a property? Why not broaden your financing options by considering Islamic home loans? We\u2019ve rounded up the best Islamic home loans in Malaysia for you to read below!<\/p>\n","protected":false},"author":268230141,"featured_media":59572,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[412],"tags":[],"class_list":["post-5866","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Best Islamic Home Loans in Malaysia - CompareHero<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Islamic Home Loans in Malaysia - CompareHero\" \/>\n<meta property=\"og:description\" content=\"Are you looking to purchase a property? Why not broaden your financing options by considering Islamic home loans? We\u2019ve rounded up the best Islamic home loans in Malaysia for you to read below!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html\" \/>\n<meta property=\"og:site_name\" content=\"CompareHero\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CompareHero.my\/\" \/>\n<meta property=\"article:published_time\" content=\"2016-04-11T05:48:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-27T01:50:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-4.png?fit=1024%2C768&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"768\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"CompareHero\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"CompareHero\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/lifestyle-finance\\\/best-islamic-home-loans-malaysia-2.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/lifestyle-finance\\\/best-islamic-home-loans-malaysia-2.html\"},\"author\":{\"name\":\"CompareHero\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#\\\/schema\\\/person\\\/77b02f49f8e76551ac6a7f3d7eb59611\"},\"headline\":\"The Best Islamic Home Loans in Malaysia\",\"datePublished\":\"2016-04-11T05:48:24+00:00\",\"dateModified\":\"2026-03-27T01:50:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/lifestyle-finance\\\/best-islamic-home-loans-malaysia-2.html\"},\"wordCount\":1051,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/lifestyle-finance\\\/best-islamic-home-loans-malaysia-2.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2016\\\/04\\\/image-4.png\",\"articleSection\":[\"Lifestyle Finance\"],\"inLanguage\":\"en-MY\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/lifestyle-finance\\\/best-islamic-home-loans-malaysia-2.html#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/lifestyle-finance\\\/best-islamic-home-loans-malaysia-2.html\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/lifestyle-finance\\\/best-islamic-home-loans-malaysia-2.html\",\"name\":\"The Best Islamic Home Loans in Malaysia - CompareHero\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/lifestyle-finance\\\/best-islamic-home-loans-malaysia-2.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/lifestyle-finance\\\/best-islamic-home-loans-malaysia-2.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2016\\\/04\\\/image-4.png\",\"datePublished\":\"2016-04-11T05:48:24+00:00\",\"dateModified\":\"2026-03-27T01:50:13+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/lifestyle-finance\\\/best-islamic-home-loans-malaysia-2.html#breadcrumb\"},\"inLanguage\":\"en-MY\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/lifestyle-finance\\\/best-islamic-home-loans-malaysia-2.html\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-MY\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/lifestyle-finance\\\/best-islamic-home-loans-malaysia-2.html#primaryimage\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2016\\\/04\\\/image-4.png\",\"contentUrl\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2016\\\/04\\\/image-4.png\",\"width\":1024,\"height\":768},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/lifestyle-finance\\\/best-islamic-home-loans-malaysia-2.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Lifestyle Finance\",\"item\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/lifestyle-finance\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"The Best Islamic Home Loans in Malaysia\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/\",\"name\":\"CompareHero\",\"description\":\"Providing the best tips and tricks about Malaysia\u2019s financial\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-MY\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#organization\",\"name\":\"Jirnexu Sdn Bhd\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-MY\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/comparehero_logo.png\",\"contentUrl\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/comparehero_logo.png\",\"width\":1889,\"height\":338,\"caption\":\"Jirnexu Sdn Bhd\"},\"image\":{\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/CompareHero.my\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.comparehero.my\\\/blog\\\/#\\\/schema\\\/person\\\/77b02f49f8e76551ac6a7f3d7eb59611\",\"name\":\"CompareHero\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The Best Islamic Home Loans in Malaysia - CompareHero","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html","og_locale":"en_US","og_type":"article","og_title":"The Best Islamic Home Loans in Malaysia - CompareHero","og_description":"Are you looking to purchase a property? Why not broaden your financing options by considering Islamic home loans? We\u2019ve rounded up the best Islamic home loans in Malaysia for you to read below!","og_url":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html","og_site_name":"CompareHero","article_publisher":"https:\/\/www.facebook.com\/CompareHero.my\/","article_published_time":"2016-04-11T05:48:24+00:00","article_modified_time":"2026-03-27T01:50:13+00:00","og_image":[{"width":1024,"height":768,"url":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-4.png?fit=1024%2C768&ssl=1","type":"image\/png"}],"author":"CompareHero","twitter_card":"summary_large_image","twitter_misc":{"Written by":"CompareHero","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html#article","isPartOf":{"@id":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html"},"author":{"name":"CompareHero","@id":"https:\/\/www.comparehero.my\/blog\/#\/schema\/person\/77b02f49f8e76551ac6a7f3d7eb59611"},"headline":"The Best Islamic Home Loans in Malaysia","datePublished":"2016-04-11T05:48:24+00:00","dateModified":"2026-03-27T01:50:13+00:00","mainEntityOfPage":{"@id":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html"},"wordCount":1051,"commentCount":0,"publisher":{"@id":"https:\/\/www.comparehero.my\/blog\/#organization"},"image":{"@id":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html#primaryimage"},"thumbnailUrl":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2016\/04\/image-4.png","articleSection":["Lifestyle Finance"],"inLanguage":"en-MY","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html","url":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html","name":"The Best Islamic Home Loans in Malaysia - CompareHero","isPartOf":{"@id":"https:\/\/www.comparehero.my\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html#primaryimage"},"image":{"@id":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html#primaryimage"},"thumbnailUrl":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2016\/04\/image-4.png","datePublished":"2016-04-11T05:48:24+00:00","dateModified":"2026-03-27T01:50:13+00:00","breadcrumb":{"@id":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html#breadcrumb"},"inLanguage":"en-MY","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html"]}]},{"@type":"ImageObject","inLanguage":"en-MY","@id":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html#primaryimage","url":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2016\/04\/image-4.png","contentUrl":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2016\/04\/image-4.png","width":1024,"height":768},{"@type":"BreadcrumbList","@id":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/best-islamic-home-loans-malaysia-2.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.comparehero.my\/blog\/"},{"@type":"ListItem","position":2,"name":"Lifestyle Finance","item":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance"},{"@type":"ListItem","position":3,"name":"The Best Islamic Home Loans in Malaysia"}]},{"@type":"WebSite","@id":"https:\/\/www.comparehero.my\/blog\/#website","url":"https:\/\/www.comparehero.my\/blog\/","name":"CompareHero","description":"Providing the best tips and tricks about Malaysia\u2019s financial","publisher":{"@id":"https:\/\/www.comparehero.my\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.comparehero.my\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-MY"},{"@type":"Organization","@id":"https:\/\/www.comparehero.my\/blog\/#organization","name":"Jirnexu Sdn Bhd","url":"https:\/\/www.comparehero.my\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-MY","@id":"https:\/\/www.comparehero.my\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2026\/02\/comparehero_logo.png","contentUrl":"https:\/\/www.comparehero.my\/blog\/wp-content\/uploads\/2026\/02\/comparehero_logo.png","width":1889,"height":338,"caption":"Jirnexu Sdn Bhd"},"image":{"@id":"https:\/\/www.comparehero.my\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/CompareHero.my\/"]},{"@type":"Person","@id":"https:\/\/www.comparehero.my\/blog\/#\/schema\/person\/77b02f49f8e76551ac6a7f3d7eb59611","name":"CompareHero"}]}},"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pbC5we-1wC","jetpack-related-posts":[{"id":17845,"url":"https:\/\/www.comparehero.my\/blog\/loans\/guide-islamic-financing-malaysia.html","url_meta":{"origin":5866,"position":0},"title":"A Guide on Islamic Personal Loans","author":"CompareHero","date":"15 January 2020","format":false,"excerpt":"What Is Islamic Banking? Islamic personal loans are a part of Islamic finance, and personal loans from Islamic banks in Malaysia are more widely known as personal Islamic financing. Islamic banking adheres to Shariah, which is the Islamic religious law as defined in the Quran, hadith and sunnah. The difference\u2026","rel":"","context":"In &quot;Loans&quot;","block_context":{"text":"Loans","link":"https:\/\/www.comparehero.my\/blog\/loans"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-10.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-10.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-10.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2020\/01\/image-10.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":4403,"url":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/islamic-personal-financing-explained-2.html","url_meta":{"origin":5866,"position":1},"title":"How Does An Islamic Personal Loan Work?","author":"CompareHero","date":"26 January 2016","format":false,"excerpt":"Many have wondered how a personal loan from an Islamic bank differs from a conventional bank. You won't have to after today, because we\u2019ve got you covered with the facts you need to know to help you understand Islamic personal loans to broaden your financial options! Basics of Islamic Banking\u2026","rel":"","context":"In &quot;Lifestyle Finance&quot;","block_context":{"text":"Lifestyle Finance","link":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/01\/loan-money-stacking.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/01\/loan-money-stacking.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/01\/loan-money-stacking.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/01\/loan-money-stacking.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":18559,"url":"https:\/\/www.comparehero.my\/blog\/loans\/best-islamic-financing-malaysia.html","url_meta":{"origin":5866,"position":2},"title":"The Best Islamic Personal Loans in Malaysia","author":"CompareHero","date":"23 June 2021","format":false,"excerpt":"\u00a0 *Updated: Nov 7, 2019 Are you in need of financial\u00a0assistance, but want it to be Shariah compliant? Or are you looking for more financing options? Why not consider Islamic personal loans? Lets see what exactly is an Islamic loan? An Islamic personal loan is one that follows the Islamic\u2026","rel":"","context":"In &quot;Loans&quot;","block_context":{"text":"Loans","link":"https:\/\/www.comparehero.my\/blog\/loans"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/islamic-finance.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/islamic-finance.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/islamic-finance.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/islamic-finance.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/islamic-finance.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18547,"url":"https:\/\/www.comparehero.my\/blog\/finance-explained\/basic-islamic-banking.html","url_meta":{"origin":5866,"position":3},"title":"The Basic of Islamic Banking","author":"CompareHero","date":"10 March 2019","format":false,"excerpt":"Islamic banking which is also known as \u201cSharia compliant finance\u201d, meaning banking activity that is consistent with the principles of Sharia- the moral code and religious law of Islam. Islamic banking has the same purpose as conventional banking- making money by lending out capital, while following the rules of Shariah.\u2026","rel":"","context":"In &quot;Finance Explained&quot;","block_context":{"text":"Finance Explained","link":"https:\/\/www.comparehero.my\/blog\/finance-explained"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/03\/banking.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/03\/banking.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/03\/banking.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/03\/banking.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":18039,"url":"https:\/\/www.comparehero.my\/blog\/finance-explained\/difference-between-profit-rate-and-interest-rate.html","url_meta":{"origin":5866,"position":4},"title":"Difference Between Profit Rate And Interest Rate","author":"CompareHero","date":"14 March 2021","format":false,"excerpt":"[no_toc] Do you know the differences between Islamic Finance and Conventional Finance? Some would probably simply say that Islamic Financing disallows interest-based transactions. Sounds easy to understand, right? But if interest rates are prohibited, then how does anyone gain from the initial investment. We'll cover the main differentiating factors between\u2026","rel":"","context":"In &quot;Finance Explained&quot;","block_context":{"text":"Finance Explained","link":"https:\/\/www.comparehero.my\/blog\/finance-explained"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-between-profit-rate-and-interest-rate.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-between-profit-rate-and-interest-rate.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-between-profit-rate-and-interest-rate.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-between-profit-rate-and-interest-rate.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/difference-between-profit-rate-and-interest-rate.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":1589,"url":"https:\/\/www.comparehero.my\/blog\/bank-news\/differences-syariah-conventional-financing-2.html","url_meta":{"origin":5866,"position":5},"title":"Differences Between Syariah and Conventional Financing","author":"CompareHero","date":"20 November 2014","format":false,"excerpt":"Consumers of financial products in Malaysia now have more loan options, thanks to syariah financing. Syariah financing, like conventional financing, is available for anyone in need of additional funds for consumption goods or capital. And almost all large banks now offer syariah financing, so consumers don\u2019t have to worry about\u2026","rel":"","context":"In &quot;Bank News&quot;","block_context":{"text":"Bank News","link":"https:\/\/www.comparehero.my\/blog\/bank-news"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2014\/11\/money-with-calculator.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2014\/11\/money-with-calculator.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2014\/11\/money-with-calculator.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2014\/11\/money-with-calculator.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]}],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2016\/04\/image-4.png?fit=1024%2C768&ssl=1","_links":{"self":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/5866","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/users\/268230141"}],"replies":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/comments?post=5866"}],"version-history":[{"count":1,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/5866\/revisions"}],"predecessor-version":[{"id":58578,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/5866\/revisions\/58578"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media\/59572"}],"wp:attachment":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media?parent=5866"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/categories?post=5866"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/tags?post=5866"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}