{"id":88828,"date":"2026-04-06T09:32:04","date_gmt":"2026-04-06T01:32:04","guid":{"rendered":"https:\/\/iqiglobal.com\/blog\/?p=88828"},"modified":"2026-04-06T09:32:06","modified_gmt":"2026-04-06T01:32:06","slug":"house-loan-interest-rates","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/","title":{"rendered":"Best Housing Loan Rates to Secure in April 2026"},"content":{"rendered":"<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body><p>Finding the <strong>best house loan interest rates in Malaysia<\/strong> can be challenging, particularly with the numerous options available.<\/p>\n\n\n\n<p><span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">Critical terms such as home loan, housing loan, and loan tenure are essential<\/span> for making informed decisions.<\/p>\n\n\n\n<p>This guide will help you navigate the various loan types, their interest rates, and other key factors to consider when searching for your dream home.<\/p>\n\n\n\n<p>In April 2026, several financial institutions in Malaysia offered competitive home loans and other financing options. Here&rsquo;s a quick overview:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-best-housing-loan-rates-in-april-2026\">1. Best Housing Loan Rates in April 2026<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Bank Name<\/th><th class=\"has-text-align-center\" data-align=\"center\">House Loan Name<\/th><th class=\"has-text-align-center\" data-align=\"center\">Profit Rate<\/th><th class=\"has-text-align-center\" data-align=\"center\">Financing Type<\/th><th class=\"has-text-align-center\" data-align=\"center\">Tenure<\/th><th class=\"has-text-align-center\" data-align=\"center\">Lock-In Period<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Maybank Islamic<\/td><td class=\"has-text-align-center\" data-align=\"center\">HouzKEY<\/td><td class=\"has-text-align-center\" data-align=\"center\">From 2.88% p.a.<\/td><td class=\"has-text-align-center\" data-align=\"center\">Term Islamic Financing<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 35 years<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 Year<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Bank Islam<\/td><td class=\"has-text-align-center\" data-align=\"center\">Baiti Home Financing-i<\/td><td class=\"has-text-align-center\" data-align=\"center\">From 3.55% p.a.<\/td><td class=\"has-text-align-center\" data-align=\"center\">Term Islamic Financing<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 35 years<\/td><td class=\"has-text-align-center\" data-align=\"center\">None<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Bank of China<\/td><td class=\"has-text-align-center\" data-align=\"center\">Housing Loan<\/td><td class=\"has-text-align-center\" data-align=\"center\">From 3.88% p.a.<\/td><td class=\"has-text-align-center\" data-align=\"center\">Term loan<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 35 years<\/td><td class=\"has-text-align-center\" data-align=\"center\">3 Years<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Standard Chartered<\/td><td class=\"has-text-align-center\" data-align=\"center\">Saadiq My HomeOne-i<\/td><td class=\"has-text-align-center\" data-align=\"center\">From 3.9% p.a.<\/td><td class=\"has-text-align-center\" data-align=\"center\">Flexi islamic financing<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 35 years<\/td><td class=\"has-text-align-center\" data-align=\"center\">None<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Alrajhi Bank<\/td><td class=\"has-text-align-center\" data-align=\"center\">Malaysia Home Financing-i<\/td><td class=\"has-text-align-center\" data-align=\"center\">From 3.9% p.a.<\/td><td class=\"has-text-align-center\" data-align=\"center\">Fixed profit rate<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 35 years<\/td><td class=\"has-text-align-center\" data-align=\"center\">None<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: <a href=\"https:\/\/ringgitplus.com\/en\/home-loan\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">Ringgitplus<\/a><\/figcaption><\/figure>\n\n\n\n<p>These banks offer a range of housing and home loans that cater to different needs, whether you&rsquo;re looking for a flexible or a term loan.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Understanding Housing Loan Rates: <\/h2><ul><li><a href=\"#h-1-best-housing-loan-rates-in-april-2026\" data-level=\"2\">1. Best Housing Loan Rates in April 2026<\/a><\/li><li><a href=\"#h-2-understanding-the-effective-lending-rate-elr\" data-level=\"2\">2. Understanding the Effective Lending Rate (ELR)<\/a><\/li><li><a href=\"#h-3-understanding-house-loan-interest-rates\" data-level=\"2\">3. Understanding House Loan Interest Rates<\/a><\/li><li><a href=\"#h-4-how-should-you-compare-lending-rates-across-banks-as-borrowers\" data-level=\"2\">4. How Should You Compare Lending Rates Across Banks as Borrowers?<\/a><\/li><li><a href=\"#h-5-how-to-plan-and-compare-your-house-loan-interest-rates\" data-level=\"2\">5. How to Plan and Compare Your House Loan Interest Rates?<\/a><\/li><li><a href=\"#h-critical-terms-in-home-financing\" data-level=\"2\">Critical Terms in Home Financing<\/a><\/li><\/ul><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-maybank-islamic-houzkey\">1. Maybank Islamic HouzKEY<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/07\/Maybank-Islamic-HouzKEY.webp\" alt=\"Maybank Islamic HouzKEY\" class=\"wp-image-89137\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Maybank-Islamic-HouzKEY.webp 640w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Maybank-Islamic-HouzKEY-300x150.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Maybank-Islamic-HouzKEY-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><figcaption class=\"wp-element-caption\">Source: Maybank<\/figcaption><\/figure>\n<\/div>\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Requirements<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Criteria<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Age<\/td><td class=\"has-text-align-center\" data-align=\"center\">18&nbsp;to&nbsp;70&nbsp;years old<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Eligibility<\/td><td class=\"has-text-align-center\" data-align=\"center\">Malaysian citizen only<br>Must not have more than one (1) home financing at the point of application<br>Salaried employee, Self-employed<br>Up to 3 guarantors allowed<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Maybank<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Fees &amp; Charges<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Criteria<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Late Penalty Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">1%&nbsp;p.a.&nbsp;on the outstanding amount<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Processing Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\"><br>No Fee<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Early Settlement Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\"><br>No Fee<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Maybank<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Benefits<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Description<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Full 100% Financing<\/td><td class=\"has-text-align-center\" data-align=\"center\">Get full financing with no downpayment required<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">No Payment During Construction<\/td><td class=\"has-text-align-center\" data-align=\"center\">Maybank helps finance the construction costs.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">LOWEST Monthly Payment<\/td><td class=\"has-text-align-center\" data-align=\"center\">Enjoy the lowest monthly payments with the best rates.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Maybank<\/figcaption><\/figure>\n\n\n\n<p><span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">For more information, please visit the&nbsp;<a href=\"https:\/\/www.maybank2u.com.my\/maybank2u\/malaysia\/en\/personal\/loans\/home\/houzkey.page\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">Maybank website<\/a><\/span>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-bank-islam-baiti-home-financing-i\">2. Bank Islam Baiti Home Financing-i<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/10\/06104024\/Bank-Islam-Baiti-Home-Financing-i.webp\" alt=\"Bank Islam Baiti Home Financing-i\" class=\"wp-image-119245\" style=\"width:654px;height:auto\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/10\/06104024\/Bank-Islam-Baiti-Home-Financing-i.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/10\/06104024\/Bank-Islam-Baiti-Home-Financing-i-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/10\/06104024\/Bank-Islam-Baiti-Home-Financing-i-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><figcaption class=\"wp-element-caption\">Source: <a href=\"https:\/\/www.bankislam.com\/personal-banking\/financing\/home-financing\/baiti-home-financing\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">Bank Islam<\/a><\/figcaption><\/figure>\n<\/div>\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Requirements<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Criteria<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Age<\/td><td class=\"has-text-align-center\" data-align=\"center\">Age 18 to 70 years old<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Minimum Annual Income<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM24,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Eligibility<\/td><td class=\"has-text-align-center\" data-align=\"center\">Malaysian Citizen<br>Not a bankrupt or have any legal action<br>Gainfully employed or Profitable business for at least 3 years<br>Minimum 1-year good payment track record<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Bank Islam<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Fees &amp; Charges<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Criteria<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Late Penalty Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">1% p.a. on the overdue installments until the date of full payment, and this applies to the Facility before maturity. If after maturity, you will be charged with a sum equivalent to the prevailing daily overnight Islamic Interbank Money Market Rate on the outstanding balance i.e., outstanding Sale Price less Ibra&rsquo;, if any<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Processing Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">Waived<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Early Settlement Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">There is no &lsquo;lock-in period&rsquo; for this Facility, and Bank Islam shall grant Ibra&rsquo; on the deferred profit after full settlement is made.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Redemption Letter Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM50 per request<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Letter for EPF Withdrawal Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM20&nbsp;per request<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Insurance Types<\/td><td class=\"has-text-align-center\" data-align=\"center\">MRTT<br>MLTT<br>Houseowner\/Householder Takaful<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Bank Islam<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Benefits &amp; Features<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Details<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Property Type<\/td><td class=\"has-text-align-center\" data-align=\"center\">Applicable for under construction or completed houses<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Margin of Financing<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 90% (excluding additional costs)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Exclusions<\/td><td class=\"has-text-align-center\" data-align=\"center\">Stamp Duty<br>Legal Fees<br>Valuation Fees<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Financing Tenure<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 35 years or age 70, whichever comes first<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Lock-in Period<\/td><td class=\"has-text-align-center\" data-align=\"center\">No lock-in period<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Compounding Elements<\/td><td class=\"has-text-align-center\" data-align=\"center\">None (no compounding profit or interest)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Processing Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">Waived<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Early Settlement<\/td><td class=\"has-text-align-center\" data-align=\"center\">No penalty for early settlement<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Bank Islam<\/figcaption><\/figure>\n\n\n\n<p>You may visit <a href=\"https:\/\/www.bankislam.com\/personal-banking\/financing\/home-financing\/baiti-home-financing\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">Bank Islam website<\/a> for more information.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-bank-of-china-housing-loan\">3. Bank of China Housing Loan<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"898\" height=\"263\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/02\/image-9.png\" alt=\"\" class=\"wp-image-106646\" style=\"width:753px;height:auto\"><figcaption class=\"wp-element-caption\">Source: <a href=\"https:\/\/www.bankofchina.com.my\/en-my\/segment\/personal-banking\/consumer-loans\/housing-loan.html\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">Bank of China<\/a><\/figcaption><\/figure>\n<\/div>\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Requirements<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Criteria<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Age<\/td><td class=\"has-text-align-center\" data-align=\"center\">18&nbsp;to&nbsp;70&nbsp;years old<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Minimum Annual Income<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM60,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Eligibility<\/td><td class=\"has-text-align-center\" data-align=\"center\">Malaysians<br>Permanent Residents, Foreigners working in Malaysia<br>Salaried employee, Self-employed<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: RiggitPlus<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Fees &amp; Charges<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Criteria<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Late Penalty Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">1%&nbsp;p.a.&nbsp;on the amount in arrears causing the total outstanding to increase<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Processing Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">Waived<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Early Settlement Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.25%&nbsp;Prepayment\/Full settlement within the first 3 years from the date of first release of the loan<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Insurance Types<\/td><td class=\"has-text-align-center\" data-align=\"center\">Fire Insurance (Mandatory)<br>Houseowner Insurance (Optional)<br>MRTA (Optional)<br>MLTA (Optional)<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: RiggitPlus<\/figcaption><\/figure>\n\n\n\n<p>You may visit the <a href=\"https:\/\/www.bankofchina.com.my\/en-my\/segment\/personal-banking\/consumer-loans\/housing-loan.html\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">Bank of China Malaysia website<\/a> for more information<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-standard-chartered-saadiq-my-homeone-i\">4. Standard Chartered Saadiq My HomeOne-i<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/07\/Standard-Chartered-MortgageOne-Refinancing.webp\" alt=\"Standard Chartered\" class=\"wp-image-89001\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Standard-Chartered-MortgageOne-Refinancing.webp 640w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Standard-Chartered-MortgageOne-Refinancing-300x150.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Standard-Chartered-MortgageOne-Refinancing-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><figcaption class=\"wp-element-caption\">Source: <a href=\"https:\/\/www.sc.com\/my\/saadiq\/financing\/myhome-i\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">Standard Chartered<\/a><\/figcaption><\/figure>\n<\/div>\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Requirements<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Criteria<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Age<\/td><td class=\"has-text-align-center\" data-align=\"center\">21&nbsp;to&nbsp;70&nbsp;years old<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Minimum Annual Income<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM48,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Eligibility<\/td><td class=\"has-text-align-center\" data-align=\"center\">Malaysians<br>Foreigners with a valid working visa (minimum 1 year), financing margin up to 80%<br>Open to all applicants, including non-Muslims<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: RiggitPlus<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Fees &amp; Charges<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Criteria<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Late Penalty Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">1%&nbsp;p.a.&nbsp;of the outstanding amount<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Processing Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">Waived<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Monthly Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM10<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Early Settlement Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">No Fee<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Redemption Letter Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM50&nbsp;per request<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Letter for EPF Withdrawal Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM20&nbsp;per request<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Cancellation Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.00% of the financing amount if the bank bears the entry cost<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Insurance Types<\/td><td class=\"has-text-align-center\" data-align=\"center\">Fire Takaful<br>MRTT<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: RiggitPlus<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Benefits &amp; Features<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Description<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Lock-in Period<\/td><td class=\"has-text-align-center\" data-align=\"center\">None<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Financing Margin<\/td><td class=\"has-text-align-center\" data-align=\"center\">Up to 90% for eligible local applicants<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Shariah Compliance<\/td><td class=\"has-text-align-center\" data-align=\"center\">Based on the Islamic principle of Diminishing Musyarakah<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Flexible Structure<\/td><td class=\"has-text-align-center\" data-align=\"center\">Combines a home financing and savings account in one package<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Extra Repayment Option<\/td><td class=\"has-text-align-center\" data-align=\"center\">Make additional payments anytime to reduce your financing principal<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Withdrawal Access<\/td><td class=\"has-text-align-center\" data-align=\"center\">Withdraw extra repayments anytime without bank approval<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Automatic Offset<\/td><td class=\"has-text-align-center\" data-align=\"center\">Surplus cash deposited in the savings account is automatically offset against the financing balance, reducing profit charges<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: RiggitPlus<\/figcaption><\/figure>\n\n\n\n<p>You may visit the <a href=\"https:\/\/www.sc.com\/my\/saadiq\/financing\/myhome-i\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">Standard Chartered website<\/a> for more information.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-alrajhi-bank-malaysia-home-financing-i\">5. Alrajhi Bank Malaysia Home Financing-i<\/h3>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/12\/05120133\/Alrajhi-Bank.webp\" alt=\"\" class=\"wp-image-121766\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/12\/05120133\/Alrajhi-Bank.webp 640w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/12\/05120133\/Alrajhi-Bank-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/12\/05120133\/Alrajhi-Bank-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><figcaption class=\"wp-element-caption\">Source: Alrajhi Bank<\/figcaption><\/figure>\n<\/div>\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Requirements<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Criteria<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Age<\/td><td class=\"has-text-align-center\" data-align=\"center\">21&nbsp;to&nbsp;65&nbsp;years old<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Minimum Annual Income<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM42,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Eligibility<\/td><td class=\"has-text-align-center\" data-align=\"center\">Malaysian citizen<br>Salaried employee, Self-employed<br>Foreigner (terms and conditions may differ)<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: RiggitPlus<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Fees &amp; Charges<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Criteria<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Compensation Charge<\/td><td class=\"has-text-align-center\" data-align=\"center\">Any recovery cost including solicitor fees<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Processing Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">None<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Brokerage Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.0008% of the principal amount of financing\/disbursement<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Early Settlement Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">Any recovery cost, including solicitor fees<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Redemption Letter Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM10 per request<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Letter for EPF Withdrawal Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM10 per request<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Insurance Types<\/td><td class=\"has-text-align-center\" data-align=\"center\">MRTT<br>House Owner Takaful<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Annual Financing Statement Fee<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM 5.00 per request (Ad-hoc)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ARNT Fee (or Agency Fee)<\/td><td class=\"has-text-align-center\" data-align=\"center\">RM 1.00 per transaction<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Retrieval \/ Photocopy of Security Documents<\/td><td class=\"has-text-align-center\" data-align=\"center\">Actual Cost<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: RiggitPlus<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Benefits &amp; Features<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Description<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Competitive Financing Rate<\/td><td class=\"has-text-align-center\" data-align=\"center\">Financing Rate as low as 3.65%* p.a. (*Terms &amp; Conditions Apply)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Margin of finance<\/td><td class=\"has-text-align-center\" data-align=\"center\">up to 90%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Takaful Coverage<\/td><td class=\"has-text-align-center\" data-align=\"center\">Comprehensive Takaful coverage provided<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Available Package<\/td><td class=\"has-text-align-center\" data-align=\"center\">Zero entry cost package available<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Shariah compliant and transparent<\/td><td class=\"has-text-align-center\" data-align=\"center\">Shariah-compliant and transparent<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Profit rate capped at 10%<\/td><td class=\"has-text-align-center\" data-align=\"center\">protects homeowners from sudden repayment shocks<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">No lock-in period with Ibra<\/td><td class=\"has-text-align-center\" data-align=\"center\">Receive Ibra if you settle or refinance early, providing flexibility<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: RiggitPlus<\/figcaption><\/figure>\n\n\n\n<p>You may visit the <a href=\"https:\/\/www.alrajhibank.com.my\/personal\/financing\/home-financing-i\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">Alrajhi Bank<\/a> website for more information<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-understanding-the-effective-lending-rate-elr\">2. Understanding the Effective Lending Rate (ELR)<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/07\/Malaysia-House-Loan-Interest-Rate-What-is-Reference-Rate-1.webp\" alt=\"What is Effective Lending Rate (ELR)?\" class=\"wp-image-88980\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Malaysia-House-Loan-Interest-Rate-What-is-Reference-Rate-1.webp 640w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Malaysia-House-Loan-Interest-Rate-What-is-Reference-Rate-1-300x150.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Malaysia-House-Loan-Interest-Rate-What-is-Reference-Rate-1-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><figcaption class=\"wp-element-caption\">Source: <a href=\"https:\/\/www.bnm.gov.my\/documents\/20124\/938039\/Consumer+Guide_RRF_EN.pdf\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">Bank Negara Malaysia<\/a><\/figcaption><\/figure>\n\n\n\n<p>The Effective Lending Rate (ELR) is a <strong>critical component when evaluating home loans<\/strong>. It represents the total cost of borrowing, expressed as an annual percentage rate. The ELR includes the reference rate and the spread, which collectively impact your monthly repayments.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Reference Rate:<\/strong> The base rate, such as the Standardised Base Rate (SBR), is influenced by Bank Negara Malaysia&rsquo;s policies.<\/li>\n\n\n\n<li><strong>Spread<\/strong>: Additional charges include credit and liquidity risk premiums, operating costs, and the bank&rsquo;s profit margin.<\/li>\n<\/ul>\n\n\n\n<p>The ELR is crucial <span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">because it&nbsp;<strong>affects the total repayment amount<\/strong>&nbsp;and helps borrowers effectively compare different loan products<\/span>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-the-reference-rate\">What is the Reference Rate?<\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/07\/Malaysia-House-Loan-Interest-Rate-What-is-Reference-Rate-2.webp\" alt=\"What is Reference Rate 2\" class=\"wp-image-88976\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Malaysia-House-Loan-Interest-Rate-What-is-Reference-Rate-2.webp 640w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Malaysia-House-Loan-Interest-Rate-What-is-Reference-Rate-2-300x150.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Malaysia-House-Loan-Interest-Rate-What-is-Reference-Rate-2-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><figcaption class=\"wp-element-caption\">Source: <a href=\"https:\/\/www.bnm.gov.my\/documents\/20124\/938039\/Consumer+Guide_RRF_EN.pdf\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">Bank Negara Malaysia<\/a><\/figcaption><\/figure>\n\n\n\n<p>The reference rate is a <strong>benchmark interest rate used by Malaysian banks<\/strong> to determine changes in borrowers&rsquo; repayments on floating-rate loans over the loan tenure.<\/p>\n\n\n\n<p>This rate can vary <span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">across institutions, but it&nbsp;<strong>serves as<\/strong><\/span><strong> a foundation<\/strong> for setting the lending rate.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-is-the-reference-rate-equal-to-the-standardised-base-rate-sbr\">Is the Reference Rate Equal to the Standardised Base Rate (SBR)?<\/h4>\n\n\n\n<p>No, the reference rate <strong>differs from<\/strong> <strong>the Standardised Base Rate (SBR)<\/strong>. The SBR is a specific reference rate that standardizes the base rate across all banks. <\/p>\n\n\n\n<p>Introduced on 1 August 2022, <strong>the SBR is directly linked to the<\/strong> <a href=\"https:\/\/iqiglobal.com\/blog\/opr-increased-how-it-affects-housing-loans\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">Overnight Policy Rate (OPR)<\/a> set by Bank Negara Malaysia. <\/p>\n\n\n\n<p>This standardization aims to simplify comparing loan rates across banks.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-is-the-reference-rate-equal-to-the-overnight-policy-rate-opr\">Is the Reference Rate Equal to the Overnight Policy Rate (OPR)?<\/h4>\n\n\n\n<p>The reference rate <b>may include the OPR<\/b>, especially when the SBR is used.<\/p>\n\n\n\n<p>The OPR is the interest rate at which banks lend to each other overnight and is set by the central bank. <\/p>\n\n\n\n<p><strong>Changes in the OPR directly affect the SBR and the reference rate used for loans.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-spread\">What is Spread?<\/h3>\n\n\n\n<p>The spread is an <strong>additional percentage<\/strong> added to the reference rate to arrive at the ELR. It covers various costs and risks incurred by the bank, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit Risk Premium<\/strong>: Compensation for the risk that a borrower might default.<\/li>\n\n\n\n<li><strong>Liquidity Risk Premium<\/strong>: Compensation for the risk associated with the bank&rsquo;s liquidity.<\/li>\n\n\n\n<li><strong>Operating Costs<\/strong>: The day-to-day expenses of running the bank.<\/li>\n\n\n\n<li><strong>Profit Margin<\/strong>: The bank&rsquo;s earnings from the loan.<\/li>\n<\/ul>\n\n\n\n<p>The spread is generally fixed for the duration of the loan unless there is a significant change in the borrower&rsquo;s credit risk profile.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-understanding-house-loan-interest-rates\">3. Understanding House Loan Interest Rates<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/07\/Understanding-House-Loan-Interest-Rate.webp\" alt=\"Understanding House Loan Interest Rates\" class=\"wp-image-88984\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Understanding-House-Loan-Interest-Rate.webp 640w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Understanding-House-Loan-Interest-Rate-300x150.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Understanding-House-Loan-Interest-Rate-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n\n\n\n<p>Understanding the mechanics of interest rates and their impact on repayments is essential for making informed decisions about Malaysian home loans.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-are-house-loan-interest-rates\">What are House Loan Interest Rates?<\/h3>\n\n\n\n<p>House loan interest rates are the <strong>percentage of the loan principal that banks charge.<\/strong><\/p>\n\n\n\n<p>These rates determine the cost of borrowing and are influenced by various factors, including the central bank&rsquo;s policies and the individual bank&rsquo;s cost structures.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-calculate-house-loan-interest-rate\">How to Calculate House Loan Interest Rate?<\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/07\/How-to-Calculate-House-Loan-Interest-Rate.webp\" alt=\"How to Calculate House Loan Interest Rate\" class=\"wp-image-89013\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/How-to-Calculate-House-Loan-Interest-Rate.webp 640w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/How-to-Calculate-House-Loan-Interest-Rate-300x150.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/How-to-Calculate-House-Loan-Interest-Rate-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><figcaption class=\"wp-element-caption\">Source: <a href=\"https:\/\/www.bnm.gov.my\/documents\/20124\/938039\/Consumer+Guide_RRF_EN.pdf\" target=\"_blank\" rel=\"nofollow noreferrer noopener\">Bank Negara Malaysia<\/a><\/figcaption><\/figure>\n\n\n\n<p>Calculating your home loan interest rate is <span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">crucial for&nbsp;<strong>understanding the total amount<\/strong><\/span><strong> you will pay over time<\/strong>.<\/p>\n\n\n\n<p>Use a home loan calculator to determine your monthly instalments and total repayment. Here&rsquo;s an example:<\/p>\n\n\n\n<p><strong>Example Calculation:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bank&rsquo;s Base Rate (BR)<\/strong>: 2.00%<\/li>\n\n\n\n<li><strong>Spread<\/strong>: 1.50%<\/li>\n\n\n\n<li><strong>ELR<\/strong>: BR + Spread = 2.00% + 1.50% = 3.50%<\/li>\n<\/ul>\n\n\n\n<p>For a loan of RM300,000 over 30 years, the monthly instalment would include interest and principal repayments. Understanding these calculations can help you save money and manage your loan tenure effectively:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Annual Interest Amount<\/strong>: RM300,000 x 3.50% = RM10,500<\/li>\n\n\n\n<li><strong>Monthly Interest Amount<\/strong>: RM10,500 \/ 12 = RM875<\/li>\n<\/ul>\n\n\n\n<p>Thus, the monthly repayment would include RM875 in interest plus the principal repayment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-can-affect-your-house-loan-interest-rate\">What Can Affect Your House Loan Interest Rate?<\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/07\/What-Can-Affect-Your-House-Loan-Interest-Rate.webp\" alt=\"What Can Affect Your House Loan Interest Rates\" class=\"wp-image-88986\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/What-Can-Affect-Your-House-Loan-Interest-Rate.webp 640w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/What-Can-Affect-Your-House-Loan-Interest-Rate-300x150.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/What-Can-Affect-Your-House-Loan-Interest-Rate-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n\n\n\n<p>Several factors can influence your house loan interest rate, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Central Bank Policies<\/strong>: Changes to Bank Negara Malaysia&rsquo;s Overnight Policy Rate (OPR) can directly affect interest rates.<\/li>\n\n\n\n<li><strong>Economic Conditions<\/strong>: Inflation and economic stability can influence interest rates.<\/li>\n\n\n\n<li><strong>Borrower&rsquo;s Credit Score<\/strong>: Higher credit scores often result in lower interest rates.<\/li>\n\n\n\n<li><strong>Loan Tenure<\/strong>: Longer loan tenures can sometimes attract higher interest rates.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-how-should-you-compare-lending-rates-across-banks-as-borrowers\">4. How Should You Compare Lending Rates Across Banks as Borrowers?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/07\/How-Should-You-Compare-Lending-Rates-Across-Banks-as-Borrowers.webp\" alt=\"How Should You Compare Lending Rates Across Banks as Borrowers\" class=\"wp-image-89019\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/How-Should-You-Compare-Lending-Rates-Across-Banks-as-Borrowers.webp 640w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/How-Should-You-Compare-Lending-Rates-Across-Banks-as-Borrowers-300x150.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/How-Should-You-Compare-Lending-Rates-Across-Banks-as-Borrowers-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n\n\n\n<p>Comparing lending rates across banks involves more than just looking at the ELR. Consider the following steps:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Review the ELR and Spread<\/strong>: Compare the total borrowing cost.<\/li>\n\n\n\n<li><strong>Understand Additional Fees<\/strong>: Be aware of any extra fees that might apply.<\/li>\n\n\n\n<li><strong>Read the Product Disclosure Sheet (PDS)<\/strong>: This document provides crucial details about the loan.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-how-to-plan-and-compare-your-house-loan-interest-rates\">5. How to Plan and Compare Your House Loan Interest Rates?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/07\/How-to-Plan-and-Compare-Your-House-Loan-Interest-Rates.webp\" alt=\"How to Plan and Compare Your House Loan Interest Rates\" class=\"wp-image-88982\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/How-to-Plan-and-Compare-Your-House-Loan-Interest-Rates.webp 640w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/How-to-Plan-and-Compare-Your-House-Loan-Interest-Rates-300x150.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/How-to-Plan-and-Compare-Your-House-Loan-Interest-Rates-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n\n\n\n<p>When planning a home loan, consider the property&rsquo;s value, the loan amount, and the loan tenure.<\/p>\n\n\n\n<p>Use a loan calculator to estimate your monthly instalments and ensure you understand all associated fees. <\/p>\n\n\n\n<p>Planning and comparing Malaysia house loan interest rates requires a strategic approach:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Research Different Lenders<\/strong>: Identify potential lenders and their offerings.<\/li>\n\n\n\n<li><strong>Interest Rates<\/strong>: Compare the interest rates offered by different banks.<\/li>\n\n\n\n<li><strong>Additional Features<\/strong>: Evaluate foreclosure charges and other loan features. Some loans include extra funds withdrawal or linked current accounts for easier management.<\/li>\n\n\n\n<li><strong>Read Reviews<\/strong>: Learn from the experiences of other borrowers.<\/li>\n\n\n\n<li><strong>Seek Professional Advice<\/strong>: Consult with financial advisors if needed.<\/li>\n\n\n\n<li><strong>Maximum Loan Tenure<\/strong>: Most banks offer up to 35 years.<\/li>\n\n\n\n<li><strong>Prepayment Options<\/strong>: Check if the bank allows for additional payments without penalties.<\/li>\n\n\n\n<li><strong>Insurance Requirements<\/strong>: Most housing loans require Mortgage Reducing Term Assurance (MRTA) or other types of insurance.<\/li>\n\n\n\n<li><strong>Flexibility<\/strong>: Compare loans that offer flexible repayment options, like a flexi loan or semi-flexi loan (make sure to understand the terms and conditions).<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-critical-terms-in-home-financing\">Critical Terms in Home Financing<\/h2>\n\n\n\n<p>Understanding key terms related to home financing is crucial for navigating the market:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Outstanding Principal Balance<\/strong>: The remaining amount you owe on your loan, excluding interest.<\/li>\n\n\n\n<li><strong>Home Loan Balance<\/strong>: The total amount left to pay on your home loan.<\/li>\n\n\n\n<li><strong>Basic Term Loan<\/strong>: A standard loan with fixed interest rates and repayment terms.<\/li>\n\n\n\n<li><strong>Loan Period<\/strong>: The total time over which you will repay the loan.<\/li>\n\n\n\n<li><strong>Mortgage Reducing Term Assurance<\/strong>: Insurance that decreases as your loan balance decreases.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/07\/Best-House-Loan-Interest-Rate-in-Malaysia.webp\" alt=\"Best House Loan Interest Rate in Malaysia\" class=\"wp-image-89024\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Best-House-Loan-Interest-Rate-in-Malaysia.webp 640w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Best-House-Loan-Interest-Rate-in-Malaysia-300x150.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/07\/Best-House-Loan-Interest-Rate-in-Malaysia-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n\n\n\n<p>Choosing the right home loan in Malaysia requires careful consideration of several factors, including interest rates, loan tenure, and associated fees.<\/p>\n\n\n\n<p>By understanding the options available and using tools like a home loan calculator, you can make a more informed decision that aligns with your financial goals and helps you secure your dream home.<\/p>\n\n\n\n<p><strong><em>Version: <a href=\"https:\/\/iqiglobal.com\/blog\/cn\/malaysia-housing-loan-interest-rates\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">CN<\/mark><\/a>, <a href=\"https:\/\/iqiglobal.com\/blog\/bm\/kadar-faedah-pinjaman-rumah\/\" target=\"_blank\" rel=\"nofollow noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">BM<\/mark><\/a><\/em><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">Are you looking for a dream house after getting the best house loan interest rates? We can assist you! Please send us your details, and we will contact you shortly. <\/mark><\/strong><\/p>\n\n\n<!--  \t\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/blog\/wp-admin\/admin-post.php\" method=\"post\"> -->\n\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/leads\/blog\/invest\" method=\"post\">\n\t\t<input type=\"hidden\" name=\"previous_url\" value=\"\">\n        <input type=\"hidden\" name=\"action\" value=\"custom_blog_form\">\n\t\t<input type=\"hidden\" name=\"consent_agreement\" value=\"0\">\n\t\t<input type=\"hidden\" name=\"current_url\" value=\"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/88828\">\n\n        <input type=\"hidden\" id=\"_wpnonce\" name=\"_wpnonce\" value=\"e9f9697486\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/blog\/wp-json\/wp\/v2\/posts\/88828\" \/>\n        <div class=\"custom-lead-form-div\">\n            <label class=\"custom-lead-form-label\" for=\"full_name\">Full Name:<\/label><br>\n            <input type=\"text\" name=\"full_name\" class=\"full-width-input custom-lead-form-input\" required>\n        <\/div>\n\n\t\t<div class=\"custom-lead-form-div\">\n            <label class=\"custom-lead-form-label\" for=\"country\">Location:<\/label><br>\n            <select name=\"location\" class=\"full-width-input custom-lead-form-input\" required>\n                <option value=\"\">Select your location<\/option>\n\t\t\t\t\t<optgroup label=\"Malaysia\">\n\t\t\t\t\t\t<option value=\"Johor\">Johor<\/option><option value=\"Kedah\">Kedah<\/option><option value=\"Kuala Lumpur\">Kuala Lumpur<\/option><option value=\"Melaka\">Melaka<\/option><option value=\"Negeri Sembilan\">Negeri Sembilan<\/option><option value=\"Pahang\">Pahang<\/option><option value=\"Penang\">Penang<\/option><option value=\"Perak\">Perak<\/option><option value=\"Perlis\">Perlis<\/option><option value=\"Sabah\">Sabah<\/option><option value=\"Sarawak\">Sarawak<\/option><option value=\"Selangor\">Selangor<\/option><option value=\"Terengganu\">Terengganu<\/option>\t\t\t\t\t<\/optgroup>\n\t\t\t\t\t<optgroup label=\"Other Countries\">\n\t\t\t\t\t\t<option value=\"Afghanistan\">Afghanistan<\/option><option value=\"Albania\">Albania<\/option><option value=\"Algeria\">Algeria<\/option><option value=\"American Samoa\">American Samoa<\/option><option value=\"Andorra\">Andorra<\/option><option value=\"Angola\">Angola<\/option><option value=\"Anguilla\">Anguilla<\/option><option value=\"Antarctica\">Antarctica<\/option><option value=\"Antigua and Barbuda\">Antigua and Barbuda<\/option><option value=\"Argentina\">Argentina<\/option><option value=\"Armenia\">Armenia<\/option><option value=\"Aruba\">Aruba<\/option><option value=\"Ashmore and Cartier\">Ashmore and Cartier<\/option><option value=\"Australia\">Australia<\/option><option value=\"Austria\">Austria<\/option><option value=\"Azerbaijan\">Azerbaijan<\/option><option value=\"Bahrain\">Bahrain<\/option><option value=\"Baker Island\">Baker Island<\/option><option value=\"Bangladesh\">Bangladesh<\/option><option value=\"Barbados\">Barbados<\/option><option value=\"Bassas da India\">Bassas da India<\/option><option value=\"Belarus\">Belarus<\/option><option value=\"Belgium\">Belgium<\/option><option value=\"Belize\">Belize<\/option><option value=\"Benin\">Benin<\/option><option value=\"Bermuda\">Bermuda<\/option><option value=\"Bhutan\">Bhutan<\/option><option value=\"Bolivia\">Bolivia<\/option><option value=\"Bonaire\">Bonaire<\/option><option value=\"Bosnia and Herzegovina\">Bosnia and Herzegovina<\/option><option value=\"Botswana\">Botswana<\/option><option value=\"Bouvet Island\">Bouvet Island<\/option><option value=\"Brazil\">Brazil<\/option><option value=\"British Indian Ocean Territory\">British Indian Ocean Territory<\/option><option value=\"British Virgin Islands\">British Virgin Islands<\/option><option value=\"Brunei Darussalam\">Brunei Darussalam<\/option><option value=\"Bulgaria\">Bulgaria<\/option><option value=\"Burkina Faso\">Burkina Faso<\/option><option value=\"Burundi\">Burundi<\/option><option value=\"Cambodia\">Cambodia<\/option><option value=\"Cameroon\">Cameroon<\/option><option value=\"Canada\">Canada<\/option><option value=\"Cape Verde\">Cape Verde<\/option><option value=\"Cayman Islands\">Cayman Islands<\/option><option value=\"Central African Republic\">Central African Republic<\/option><option value=\"Chad\">Chad<\/option><option value=\"Chile\">Chile<\/option><option value=\"China\">China<\/option><option value=\"Christmas Island\">Christmas Island<\/option><option value=\"Clipperton Island\">Clipperton Island<\/option><option value=\"Cocos (Keeling) Islands\">Cocos (Keeling) Islands<\/option><option value=\"Colombia\">Colombia<\/option><option value=\"Comoros\">Comoros<\/option><option value=\"Congo, Democratic Republic of the\">Congo, Democratic Republic of the<\/option><option value=\"Congo, Republic of the\">Congo, Republic of the<\/option><option value=\"Cook Islands\">Cook Islands<\/option><option value=\"Coral Sea Islands\">Coral Sea Islands<\/option><option value=\"Costa Rica\">Costa Rica<\/option><option value=\"Cote d'Ivoire\">Cote d'Ivoire<\/option><option value=\"Croatia\">Croatia<\/option><option value=\"Cuba\">Cuba<\/option><option value=\"Curacao\">Curacao<\/option><option value=\"Cyprus\">Cyprus<\/option><option value=\"Czech Republic\">Czech Republic<\/option><option value=\"Denmark\">Denmark<\/option><option value=\"Djibouti\">Djibouti<\/option><option value=\"Dominica\">Dominica<\/option><option value=\"Dominican Republic\">Dominican Republic<\/option><option value=\"East Timor\">East Timor<\/option><option value=\"Ecuador\">Ecuador<\/option><option value=\"Egypt\">Egypt<\/option><option value=\"El Salvador\">El Salvador<\/option><option value=\"Equatorial Guinea\">Equatorial Guinea<\/option><option value=\"Eritrea\">Eritrea<\/option><option value=\"Estonia\">Estonia<\/option><option value=\"Ethiopia\">Ethiopia<\/option><option value=\"Europa Island\">Europa Island<\/option><option value=\"Falkland Islands\">Falkland Islands<\/option><option value=\"Faroe Islands\">Faroe Islands<\/option><option value=\"Fiji\">Fiji<\/option><option value=\"Finland\">Finland<\/option><option value=\"France\">France<\/option><option value=\"French Guiana\">French Guiana<\/option><option value=\"French Polynesia\">French Polynesia<\/option><option value=\"French Southern and Antarctic Lands\">French Southern and Antarctic Lands<\/option><option value=\"Gabon\">Gabon<\/option><option value=\"Gaza Strip\">Gaza Strip<\/option><option value=\"Georgia\">Georgia<\/option><option value=\"Germany\">Germany<\/option><option value=\"Ghana\">Ghana<\/option><option value=\"Gibraltar\">Gibraltar<\/option><option value=\"Glorioso Islands\">Glorioso Islands<\/option><option value=\"Greece\">Greece<\/option><option value=\"Greenland\">Greenland<\/option><option value=\"Grenada\">Grenada<\/option><option value=\"Guadeloupe\">Guadeloupe<\/option><option value=\"Guam\">Guam<\/option><option value=\"Guatemala\">Guatemala<\/option><option value=\"Guernsey\">Guernsey<\/option><option value=\"Guinea\">Guinea<\/option><option value=\"Guinea-Bissau\">Guinea-Bissau<\/option><option value=\"Guyana\">Guyana<\/option><option value=\"Haiti\">Haiti<\/option><option value=\"Heard Island and McDonald Islands\">Heard Island and McDonald Islands<\/option><option value=\"Holy See\">Holy See<\/option><option value=\"Honduras\">Honduras<\/option><option value=\"Hong Kong (SAR)\">Hong Kong (SAR)<\/option><option value=\"Howland Island\">Howland Island<\/option><option value=\"Hungary\">Hungary<\/option><option value=\"Iceland\">Iceland<\/option><option value=\"India\">India<\/option><option value=\"Indonesia\">Indonesia<\/option><option value=\"Iran\">Iran<\/option><option value=\"Iraq\">Iraq<\/option><option value=\"Ireland\">Ireland<\/option><option value=\"Isle of Man\">Isle of Man<\/option><option value=\"Israel\">Israel<\/option><option value=\"Italy\">Italy<\/option><option value=\"Jamaica\">Jamaica<\/option><option value=\"Japan\">Japan<\/option><option value=\"Jarvis Island\">Jarvis Island<\/option><option value=\"Jersey\">Jersey<\/option><option value=\"Johnston Atoll\">Johnston Atoll<\/option><option value=\"Jordan\">Jordan<\/option><option value=\"Juan de Nova Island\">Juan de Nova Island<\/option><option value=\"Kazakhstan\">Kazakhstan<\/option><option value=\"Kenya\">Kenya<\/option><option value=\"Kingman Reef\">Kingman Reef<\/option><option value=\"Kiribati\">Kiribati<\/option><option value=\"Kuwait\">Kuwait<\/option><option value=\"Kyrgyzstan\">Kyrgyzstan<\/option><option value=\"Laos\">Laos<\/option><option value=\"Latvia\">Latvia<\/option><option value=\"Lebanon\">Lebanon<\/option><option value=\"Lesotho\">Lesotho<\/option><option value=\"Liberia\">Liberia<\/option><option value=\"Libya\">Libya<\/option><option value=\"Liechtenstein\">Liechtenstein<\/option><option value=\"Lithuania\">Lithuania<\/option><option value=\"Luxembourg\">Luxembourg<\/option><option value=\"Macau (SAR)\">Macau (SAR)<\/option><option value=\"Madagascar\">Madagascar<\/option><option value=\"Malawi\">Malawi<\/option><option value=\"Malaysia\">Malaysia<\/option><option value=\"Maldives\">Maldives<\/option><option value=\"Mali\">Mali<\/option><option value=\"Malta\">Malta<\/option><option value=\"Marshall Islands\">Marshall Islands<\/option><option value=\"Martinique\">Martinique<\/option><option value=\"Mauritania\">Mauritania<\/option><option value=\"Mauritius\">Mauritius<\/option><option value=\"Mayotte\">Mayotte<\/option><option value=\"Mexico\">Mexico<\/option><option value=\"Micronesia\">Micronesia<\/option><option value=\" Federated States of\"> Federated States of<\/option><option value=\"Midway Islands\">Midway Islands<\/option><option value=\"Moldova\">Moldova<\/option><option value=\"Monaco\">Monaco<\/option><option value=\"Mongolia\">Mongolia<\/option><option value=\"Montenegro\">Montenegro<\/option><option value=\"Montserrat\">Montserrat<\/option><option value=\"Morocco\">Morocco<\/option><option value=\"Mozambique\">Mozambique<\/option><option value=\"Myanmar\">Myanmar<\/option><option value=\"Namibia\">Namibia<\/option><option value=\"Nauru\">Nauru<\/option><option value=\"Navassa Island\">Navassa Island<\/option><option value=\"Nepal\">Nepal<\/option><option value=\"Netherlands\">Netherlands<\/option><option value=\"Netherlands Antilles\">Netherlands Antilles<\/option><option value=\"New Caledonia\">New Caledonia<\/option><option value=\"New Zealand\">New Zealand<\/option><option value=\"Nicaragua\">Nicaragua<\/option><option value=\"Niger\">Niger<\/option><option value=\"Nigeria\">Nigeria<\/option><option value=\"Niue\">Niue<\/option><option value=\"Norfolk Island\">Norfolk Island<\/option><option value=\"North Korea\">North Korea<\/option><option value=\"North Macedonia\">North Macedonia<\/option><option value=\"Northern Mariana Islands\">Northern Mariana Islands<\/option><option value=\"Norway\">Norway<\/option><option value=\"Oman\">Oman<\/option><option value=\"Pakistan\">Pakistan<\/option><option value=\"Palau\">Palau<\/option><option value=\"Palestine\">Palestine<\/option><option value=\"Occupied\">Occupied<\/option><option value=\"Palmyra Atoll\">Palmyra Atoll<\/option><option value=\"Panama\">Panama<\/option><option value=\"Papua New Guinea\">Papua New Guinea<\/option><option value=\"Paraguay\">Paraguay<\/option><option value=\"Peru\">Peru<\/option><option value=\"Philippines\">Philippines<\/option><option value=\"Pitcairn Islands\">Pitcairn Islands<\/option><option value=\"Poland\">Poland<\/option><option value=\"Portugal\">Portugal<\/option><option value=\"Puerto Rico\">Puerto Rico<\/option><option value=\"Qatar\">Qatar<\/option><option value=\"R\u00e9union\">R\u00e9union<\/option><option value=\"Romania\">Romania<\/option><option value=\"Russia\">Russia<\/option><option value=\"Rwanda\">Rwanda<\/option><option value=\"Saint Barth\u00e9lemy\">Saint Barth\u00e9lemy<\/option><option value=\"Saint Helena\">Saint Helena<\/option><option value=\"Saint Kitts and Nevis\">Saint Kitts and Nevis<\/option><option value=\"Saint Lucia\">Saint Lucia<\/option><option value=\"Saint Martin (French part)\">Saint Martin (French part)<\/option><option value=\"Saint Pierre and Miquelon\">Saint Pierre and Miquelon<\/option><option value=\"Saint Vincent and the Grenadines\">Saint Vincent and the Grenadines<\/option><option value=\"San Marino\">San Marino<\/option><option value=\"S\u00e3o Tom\u00e9 and Pr\u00edncipe\">S\u00e3o Tom\u00e9 and Pr\u00edncipe<\/option><option value=\"Saudi Arabia\">Saudi Arabia<\/option><option value=\"Senegal\">Senegal<\/option><option value=\"Serbia\">Serbia<\/option><option value=\"Serbia and Montenegro\">Serbia and Montenegro<\/option><option value=\"Seychelles\">Seychelles<\/option><option value=\"Sierra Leone\">Sierra Leone<\/option><option value=\"Singapore\">Singapore<\/option><option value=\"Sint Maarten\">Sint Maarten<\/option><option value=\"Slovakia\">Slovakia<\/option><option value=\"Slovenia\">Slovenia<\/option><option value=\"Solomon Islands\">Solomon Islands<\/option><option value=\"Somalia\">Somalia<\/option><option value=\"South Africa\">South Africa<\/option><option value=\"South Georgia and the South Sandwich Islands\">South Georgia and the South Sandwich Islands<\/option><option value=\"South Korea\">South Korea<\/option><option value=\"South Sudan\">South Sudan<\/option><option value=\"Spain\">Spain<\/option><option value=\"Spratly Islands\">Spratly Islands<\/option><option value=\"Sri Lanka\">Sri Lanka<\/option><option value=\"Sudan\">Sudan<\/option><option value=\"Suriname\">Suriname<\/option><option value=\"Svalbard and Jan Mayen\">Svalbard and Jan Mayen<\/option><option value=\"Swaziland\">Swaziland<\/option><option value=\"Sweden\">Sweden<\/option><option value=\"Switzerland\">Switzerland<\/option><option value=\"Syria\">Syria<\/option><option value=\"Taiwan\">Taiwan<\/option><option value=\" China\"> China<\/option><option value=\"Tajikistan\">Tajikistan<\/option><option value=\"Tanzania\">Tanzania<\/option><option value=\"Thailand\">Thailand<\/option><option value=\"The Bahamas\">The Bahamas<\/option><option value=\"The Gambia\">The Gambia<\/option><option value=\"Togo\">Togo<\/option><option value=\"Tokelau\">Tokelau<\/option><option value=\"Tonga\">Tonga<\/option><option value=\"Trinidad and Tobago\">Trinidad and Tobago<\/option><option value=\"Tromelin Island\">Tromelin Island<\/option><option value=\"Tunisia\">Tunisia<\/option><option value=\"Turkey\">Turkey<\/option><option value=\"Turkmenistan\">Turkmenistan<\/option><option value=\"Turks and Caicos Islands\">Turks and Caicos Islands<\/option><option value=\"Tuvalu\">Tuvalu<\/option><option value=\"Uganda\">Uganda<\/option><option value=\"Ukraine\">Ukraine<\/option><option value=\"United Arab Emirates\">United Arab Emirates<\/option><option value=\"United Kingdom\">United Kingdom<\/option><option value=\"United States\">United States<\/option><option value=\"United States Minor Outlying Islands\">United States Minor Outlying Islands<\/option><option value=\"Uruguay\">Uruguay<\/option><option value=\"Uzbekistan\">Uzbekistan<\/option><option value=\"Vanuatu\">Vanuatu<\/option><option value=\"Venezuela\">Venezuela<\/option><option value=\"Vietnam\">Vietnam<\/option><option value=\"Virgin Islands (US)\">Virgin Islands (US)<\/option><option value=\"Wake Island\">Wake Island<\/option><option value=\"Wallis and Futuna\">Wallis and Futuna<\/option><option value=\"West Bank\">West Bank<\/option><option value=\"Western Sahara\">Western Sahara<\/option><option value=\"Western Samoa\">Western Samoa<\/option><option value=\"World\">World<\/option><option value=\"Yemen\">Yemen<\/option><option value=\"Yugoslavia\">Yugoslavia<\/option><option value=\"Zaire\">Zaire<\/option><option value=\"Zambia\">Zambia<\/option><option value=\"Zimbabwe\">Zimbabwe<\/option>\t\t\t\t\t<\/optgroup>\n            <\/select>\n        <\/div>\n\n        <div class=\"custom-lead-form-div\" style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 20px;\">\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"your_email\">Email:<\/label><br>\n\t\t\t\t<input type=\"email\" name=\"email\" class=\"full-width-input custom-lead-form-input\" required>\n\t\t\t<\/div>\n\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"phone_number\">Phone Number:<\/label><br>\n\t\t\t\t<div class=\"phone-input-wrapper\">\n\t\t\t\t\t<span id=\"country-code-display\">+60<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"phone_number_input\" placeholder=\"123456789\" required>\n\t\t\t\t\t<input type=\"hidden\" name=\"phone_number\" id=\"final_phone_number\">\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n    \t<\/div>\n\n\t\t<div id=\"interest-error\" style=\"color: red; display: none;\">\n\t\t\tPlease select at least one interest.\n\t\t<\/div>\n\n\t\t<div id=\"interest-group\" class=\"custom-lead-form-div\">\n\t\t\t<p>\n\t\t\t\t<label class=\"custom-checkbox-label\">I want to (Investor)<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"invest\"> Invest<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"buy\"> Buy<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"sell\"> Sell<\/label><br>\n\t\t\t<\/p>\n\t\t<\/div>\n\n\t\t<div class=\"custom-lead-form-div\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"consent_agreement\" value=\"1\" required> I give my consent to share my information to submit this form. For more details on our data practices, please refer to our <a href=\"https:\/\/www.iqiglobal.com\/privacy-policy\">Privacy Policy.<\/a><\/label><br>\n\t\t\t<input type=\"hidden\" name=\"newsletter\" value=\"0\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"newsletter\" value=\"1\"> I want the latest property updates, marketing emails, and newsletters from IQI Global by subscribing to IQI Global mailing list<\/label><br>\n\t\t<\/div>\n\n\t\t<input type=\"hidden\" name=\"g-recaptcha-response\" id=\"g-recaptcha-response\">\n\n\n        <p>\n            <button type=\"submit\">Submit<\/button>\n        <\/p>\n    <\/form>\n\n\t<style>\n        .full-width-input {\n            width: 100%;\n            padding: 8px;\n            box-sizing: border-box;\n        }\n\t\t.custom-lead-form-div {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.custom-lead-form-input {\n\t\t\tpadding: 8px 12px !important;\n\t\t\tborder-color: var(--theme-color-input_bd_color) !important;\n\t\t}\n\t\t.custom-lead-form-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 500 !important;\n\t\t}\n\n\t\t.custom-checkbox-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 400 !important;\n\t\t}\n\n\t\t.phone-input-wrapper {\n\t\t\tdisplay: flex;\n\t\t\talign-items: center;\n\t\t\tborder: 1px solid #ffb199; \/* soft orange border *\/\n\t\t\tborder-radius: 30px;\n\t\t\toverflow: hidden;\n\t\t\tbackground-color: #fff9f8;\n\t\t\tmax-width: 100%;\n\t\t}\n\n\t\t#country-code-display {\n\t\t\tpadding: 10px 14px;\n\t\t\tbackground-color: #f3f3f3;\n\t\t\tborder-right: 1px solid #ffb199;\n\t\t\tfont-size: 16px;\n\t\t\tcolor: #333;\n\t\t\twhite-space: nowrap;\n\t\t}\n\n\t\t#phone_number_input {\n\t\t\tflex: 1;\n\t\t\tborder: none;\n\t\t\tpadding: 10px 14px;\n\t\t\tfont-size: 16px;\n\t\t\tbackground-color: transparent;\n\t\t\toutline: none;\n\t\t}\n    <\/style>\n    <script src=\"https:\/\/www.google.com\/recaptcha\/api.js?render=6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC\"><\/script>\n\t<script>\n\t\tconst malaysianStates = [\"Johor\",\"Kedah\",\"Kuala Lumpur\",\"Melaka\",\"Negeri Sembilan\",\"Pahang\",\"Penang\",\"Perak\",\"Perlis\",\"Sabah\",\"Sarawak\",\"Selangor\",\"Terengganu\"];\n\n\t\tdocument.addEventListener('DOMContentLoaded', function () {\n\t\t\tconst locationSelect = document.querySelector('select[name=\"location\"]');\n\t\t\tconst countryCodeDisplay = document.getElementById('country-code-display');\n\t\t\tconst phoneInput = document.getElementById('phone_number_input');\n\t\t\tconst finalPhoneInput = document.getElementById('final_phone_number');\n\t\t\tconst form = document.getElementById('custom-lead-form');\n\t\t\tconst error = document.getElementById('interest-error');\n\n\t\t\tfunction updateFinalPhoneNumber() {\n\t\t\t\tconst code = countryCodeDisplay.textContent || '';\n\t\t\t\tconst number = phoneInput.value.trim();\n\t\t\t\tfinalPhoneInput.value = code + number;\n\t\t\t}\n\n\t\t\tlocationSelect.addEventListener('change', function () {\n\t\t\t\tconst selectedState = this.value;\n\n\t\t\t\t\/\/ If not Malaysian state\n\t\t\t\tif (!malaysianStates.includes(selectedState)) {\n\t\t\t\t\tcountryCodeDisplay.style.display = 'none';\n\t\t\t\t\tcountryCodeDisplay.textContent = '';\n\t\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t\t\treturn;\n\t\t\t\t}\n\n\t\t\t\t\/\/ Malaysian state \u2014 show +60\n\t\t\t\tcountryCodeDisplay.style.display = 'block';\n\t\t\t\tcountryCodeDisplay.textContent = '+60';\n\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t});\n\n\t\t\tphoneInput.addEventListener('input', updateFinalPhoneNumber);\n\n\t\t\tform.addEventListener('submit', function (e) {\n\t\t\t\te.preventDefault(); \/\/ \u2705 Prevent default submission first\n\n\t\t\t\tconst checkboxes = form.querySelectorAll('input[name=\"lead_type[]\"]');\n\t\t\t\tconst isChecked = Array.from(checkboxes).some(checkbox => checkbox.checked);\n\n\t\t\t\tif (!isChecked) {\n\t\t\t\t\terror.style.display = 'block';\n\t\t\t\t\treturn; \/\/ stop here if validation fails\n\t\t\t\t} else {\n\t\t\t\t\terror.style.display = 'none';\n\t\t\t\t}\n\n\t\t\t\t\/\/ \u2705 Now run reCAPTCHA v3\n\t\t\t\tgrecaptcha.ready(function () {\n\t\t\t\t\tgrecaptcha.execute('6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC', { action: 'submit' })\n\t\t\t\t\t\t.then(function (token) {\n\t\t\t\t\t\t\tdocument.getElementById('g-recaptcha-response').value = token;\n\t\t\t\t\t\t\tform.submit(); \/\/ \u2705 Safe manual submission\n\t\t\t\t\t\t});\n\t\t\t\t});\n\t\t\t});\n\t\t});\n\t<\/script>\n\n    \n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p class=\"has-text-align-center\"><strong>Continue Reading:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/starting-airbnb-short-term-rental-malaysia-guide\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\"><strong>Starting an Airbnb in Malaysia (2026): A Side-Hustler&rsquo;s Real-Life Guide<\/strong><\/mark><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/visit-malaysia-2026-vm2026-property-investment\/\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Visit Malaysia 2026 (VM2026): How Tourism, DE Rantau and Short-Term Rentals Are Reshaping Property Investment<\/mark><\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/6-factors-investors-must-check-before-investing-in-properties\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\"><strong>6 Factors Investors Must Check Before Investing in Properties<\/strong><\/mark><\/a><\/li>\n<\/ol>\n\n\n\n<p><\/p>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>Choosing the right house loan or home loan in Malaysia requires careful consideration of several factors, including the interest rate, loan tenure, and associated fees.<\/p>\n","protected":false},"author":81,"featured_media":123982,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[222],"tags":[13269,593,10810,10755,10757,265,304,305,224],"class_list":["post-88828","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-insights","tag-13269","tag-bank-loan","tag-genius-invest","tag-house-loan","tag-interest-rate","tag-investment","tag-malaysia","tag-property","tag-real-estate"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v26.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Housing Loan Rates to Secure in April<\/title>\n<meta name=\"description\" content=\"Discover the best house loan interest rates in Malaysia for April . Find affordable options to save money on your home loan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Housing Loan Rates to Secure in April 2026\" \/>\n<meta property=\"og:description\" content=\"Discover the best house loan interest rates in Malaysia for April . Find affordable options to save money on your home loan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/\" \/>\n<meta property=\"og:site_name\" content=\"IQI Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IqiGlobal\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-06T01:32:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-06T01:32:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/06153728\/Best-Housing-Loan-Rates-to-Secure-in-February-2026-Social.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Wei Xuan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@IQIGlobal\" \/>\n<meta name=\"twitter:site\" content=\"@IQIGlobal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Wei Xuan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"13 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/\"},\"author\":{\"name\":\"Wei Xuan\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/e200407a0cb0f76e79fefd139ac2befa\"},\"headline\":\"Best Housing Loan Rates to Secure in April 2026\",\"datePublished\":\"2026-04-06T01:32:04+00:00\",\"dateModified\":\"2026-04-06T01:32:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/\"},\"wordCount\":2148,\"publisher\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/06105212\/Best-Housing-Loan-Rates-to-Secure-in-February-2026.webp\",\"keywords\":[\"2026\",\"bank loan\",\"Genius Invest\",\"House loan\",\"Interest rate\",\"investment\",\"Malaysia\",\"property\",\"real estate\"],\"articleSection\":[\"Market Insights\"],\"inLanguage\":\"en-US\",\"accessibilityFeature\":[\"tableOfContents\"]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/\",\"url\":\"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/\",\"name\":\"Best Housing Loan Rates to Secure in April\",\"isPartOf\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/06105212\/Best-Housing-Loan-Rates-to-Secure-in-February-2026.webp\",\"datePublished\":\"2026-04-06T01:32:04+00:00\",\"dateModified\":\"2026-04-06T01:32:06+00:00\",\"description\":\"Discover the best house loan interest rates in Malaysia for April . Find affordable options to save money on your home loan.\",\"breadcrumb\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/#primaryimage\",\"url\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/06105212\/Best-Housing-Loan-Rates-to-Secure-in-February-2026.webp\",\"contentUrl\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/06105212\/Best-Housing-Loan-Rates-to-Secure-in-February-2026.webp\",\"width\":1080,\"height\":480,\"caption\":\"Best Housing Loan Rates to Secure in February 2026\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/iqiglobal.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Best Housing Loan Rates to Secure in April 2026\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#website\",\"url\":\"https:\/\/iqiglobal.com\/blog\/\",\"name\":\"IQI Blog\",\"description\":\"Your Source for Property Investment, Tips, and Career\",\"publisher\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/iqiglobal.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\",\"name\":\"IQI Global\",\"url\":\"https:\/\/iqiglobal.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png\",\"contentUrl\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png\",\"width\":480,\"height\":180,\"caption\":\"IQI Global\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/IqiGlobal\",\"https:\/\/x.com\/IQIGlobal\",\"https:\/\/www.instagram.com\/iqiglobal\/\",\"https:\/\/tiktok.com\/@iqiglobal?lang=en\",\"https:\/\/www.linkedin.com\/company\/iqi-group\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/e200407a0cb0f76e79fefd139ac2befa\",\"name\":\"Wei Xuan\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1dd529d446ea9f62a0c3d23e040566ebad668de70196f9e45401ad9ab57761fd?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1dd529d446ea9f62a0c3d23e040566ebad668de70196f9e45401ad9ab57761fd?s=96&d=mm&r=g\",\"caption\":\"Wei Xuan\"},\"description\":\"As a SEO Content Writer at IQI Global, he collaborates with a team of content and SEO professionals to produce high-quality content for IQI and Juwai websites of the real estate industry.\",\"sameAs\":[\"www.linkedin.com\/in\/yeeweixuan\"],\"url\":\"https:\/\/iqiglobal.com\/blog\/author\/weixuan\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Best Housing Loan Rates to Secure in April","description":"Discover the best house loan interest rates in Malaysia for April . Find affordable options to save money on your home loan.","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:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/","og_locale":"en_US","og_type":"article","og_title":"Best Housing Loan Rates to Secure in April 2026","og_description":"Discover the best house loan interest rates in Malaysia for April . Find affordable options to save money on your home loan.","og_url":"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/","og_site_name":"IQI Blog","article_publisher":"https:\/\/www.facebook.com\/IqiGlobal","article_published_time":"2026-04-06T01:32:04+00:00","article_modified_time":"2026-04-06T01:32:06+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/06153728\/Best-Housing-Loan-Rates-to-Secure-in-February-2026-Social.jpg","type":"image\/jpeg"}],"author":"Wei Xuan","twitter_card":"summary_large_image","twitter_creator":"@IQIGlobal","twitter_site":"@IQIGlobal","twitter_misc":{"Written by":"Wei Xuan","Est. reading time":"13 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/#article","isPartOf":{"@id":"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/"},"author":{"name":"Wei Xuan","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/e200407a0cb0f76e79fefd139ac2befa"},"headline":"Best Housing Loan Rates to Secure in April 2026","datePublished":"2026-04-06T01:32:04+00:00","dateModified":"2026-04-06T01:32:06+00:00","mainEntityOfPage":{"@id":"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/"},"wordCount":2148,"publisher":{"@id":"https:\/\/iqiglobal.com\/blog\/#organization"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/#primaryimage"},"thumbnailUrl":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/06105212\/Best-Housing-Loan-Rates-to-Secure-in-February-2026.webp","keywords":["2026","bank loan","Genius Invest","House loan","Interest rate","investment","Malaysia","property","real estate"],"articleSection":["Market Insights"],"inLanguage":"en-US","accessibilityFeature":["tableOfContents"]},{"@type":"WebPage","@id":"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/","url":"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/","name":"Best Housing Loan Rates to Secure in April","isPartOf":{"@id":"https:\/\/iqiglobal.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/#primaryimage"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/#primaryimage"},"thumbnailUrl":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/06105212\/Best-Housing-Loan-Rates-to-Secure-in-February-2026.webp","datePublished":"2026-04-06T01:32:04+00:00","dateModified":"2026-04-06T01:32:06+00:00","description":"Discover the best house loan interest rates in Malaysia for April . Find affordable options to save money on your home loan.","breadcrumb":{"@id":"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/#primaryimage","url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/06105212\/Best-Housing-Loan-Rates-to-Secure-in-February-2026.webp","contentUrl":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/06105212\/Best-Housing-Loan-Rates-to-Secure-in-February-2026.webp","width":1080,"height":480,"caption":"Best Housing Loan Rates to Secure in February 2026"},{"@type":"BreadcrumbList","@id":"https:\/\/iqiglobal.com\/blog\/house-loan-interest-rates\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/iqiglobal.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Best Housing Loan Rates to Secure in April 2026"}]},{"@type":"WebSite","@id":"https:\/\/iqiglobal.com\/blog\/#website","url":"https:\/\/iqiglobal.com\/blog\/","name":"IQI Blog","description":"Your Source for Property Investment, Tips, and Career","publisher":{"@id":"https:\/\/iqiglobal.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/iqiglobal.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/iqiglobal.com\/blog\/#organization","name":"IQI Global","url":"https:\/\/iqiglobal.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png","contentUrl":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png","width":480,"height":180,"caption":"IQI Global"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/IqiGlobal","https:\/\/x.com\/IQIGlobal","https:\/\/www.instagram.com\/iqiglobal\/","https:\/\/tiktok.com\/@iqiglobal?lang=en","https:\/\/www.linkedin.com\/company\/iqi-group\/"]},{"@type":"Person","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/e200407a0cb0f76e79fefd139ac2befa","name":"Wei Xuan","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/1dd529d446ea9f62a0c3d23e040566ebad668de70196f9e45401ad9ab57761fd?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1dd529d446ea9f62a0c3d23e040566ebad668de70196f9e45401ad9ab57761fd?s=96&d=mm&r=g","caption":"Wei Xuan"},"description":"As a SEO Content Writer at IQI Global, he collaborates with a team of content and SEO professionals to produce high-quality content for IQI and Juwai websites of the real estate industry.","sameAs":["www.linkedin.com\/in\/yeeweixuan"],"url":"https:\/\/iqiglobal.com\/blog\/author\/weixuan\/"}]}},"featured_image_url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/02\/06105212\/Best-Housing-Loan-Rates-to-Secure-in-February-2026.webp","_links":{"self":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/88828","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/users\/81"}],"replies":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/comments?post=88828"}],"version-history":[{"count":220,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/88828\/revisions"}],"predecessor-version":[{"id":125710,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/88828\/revisions\/125710"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media\/123982"}],"wp:attachment":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media?parent=88828"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/categories?post=88828"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/tags?post=88828"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}