OCBC Warisan-i

OCBC Warisan-i is an Islamic home financing solution (Manarat Home-i) that gives you a chance to leverage on your house. The plan is based on the Shariah concept of Ijarah Muntahiah bi Al-Tamlik.

Let us find out more about the scheme offered by OCBC Al-Amin Bank (Malaysia) Berhad.

Margin of Financing As per the bank’s discretion
Financing Tenure Whichever is earlier between a maximum of 35 years and up to 70 years of age
Type of Properties Covered NA
Type of Loan NA
Interest/Profit Rate (p.a.) Pegged to the base rate (current base rate (BR) is 4.08% p.a.)
Effective Lending Rate NA


  • The profit rate is calculated on daily rest basis.

Fees and Charges

Stamp Duty Charges As per the Stamp Act 1949 (revised in 1989)
Processing Fee Waived
Late Payment Charges 1% of the unsettled amount (during the financing tenure) As per the applicable IIMM (Islamic Interbank Money Market) rate (after the maturity of financing tenure)


Age Criteria Maximum age: 70 years

Documents Required

  • A copy of identity card (NRIC or MyKad)
  • Latest salary slips
  • Latest EPF statement
  • Any other document as asked by the bank

How to Apply

Offline Application
  • Visit any nearest branch of the bank.
  • Fill up an application form with all the mandatory information.
  • Attach all relevant documents while submitting the form.
Telephonic Application Call on 603-8314 9310 to know more about the application process.

Consider this plan if you are looking for a home financing package that functions on Islamic principles. Contact the bank for applicable profit rates and any further information.


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