AFFIN Home Flexi Plus

AFFIN Home Flexi Plus

A Flexible Financial Plan To Owning Your Ideal Home

This housing loan package offers a combination of term loan and overdraft financing and also full overdraft for financing/ refinancing/ subsale of completed or under construction residential properties with minimum property value of RM200,000. The maximum overdraft portion is 50% of total financing amount for loan value less than RM500,000; and 70% of total financing amount for loan value on or above RM500,000.




The term loan portion of Affin Home Flexi Plus helps you:

  • Save overall interest cost with DAILY computation of interest
  • Payment in excess of loan instalment amount
  • Redraw of excess payment (applicable for term loan only)

Terms and Conditions

  • Loan amount : Minimum RM100,000 with minimum overdraft facility of RM50,000.
  • Property value : Minimum RM200,000
  • Margin of Finance (MOF) : Up to 90% (combination term loan and overfraft), Up to 50% for full overdraft
  • MRTA Financing : 5% (MRTA = Mortgage Reducing Term Assurance, legal & documentation cost, stamping fee and valuation fee)
  • Tenure : 35 years or up to the age of 70 years, whichever is earlier
  • Retention:

    • Applicable to settlements within 3 years from date of first disbursement
    • Penalty amount :

      • 2% of original loan amount if redeemed after 3 years retention period
      • No lock-in period for subsale financing

  • MRTA : We strongly encourage you to take MRTA to ensure that you and your family are protected.
Redraw facility on excess payment can be conducted via for registerd affinOnline users.

For more information, call our Contact Centre at 03-8230 2222 or visit the nearest AFFINBANK / AFFIN ISLAMIC branch today.

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