A "low interest" loan shouldn't mean you have very little interest in paying it back!

    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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