{"id":1090,"date":"2019-11-20T17:38:38","date_gmt":"2019-11-20T09:38:38","guid":{"rendered":"https:\/\/ctoscredit.com.my\/creditfinder\/?page_id=1090"},"modified":"2025-09-04T11:20:06","modified_gmt":"2025-09-04T03:20:06","slug":"housing-loans","status":"publish","type":"page","link":"https:\/\/ctoscredit.com.my\/creditfinder\/housing-loans\/","title":{"rendered":"Find housing loans with the lowest interest rates<br> <span class=\"page-description\">Compare Malaysian housing loans with our easy filter tool. Find the most attractive interest rates &#038; monthly repayment for your dream home.<\/span>"},"content":{"rendered":"\n<p>  <style>.bank_details {width:22.222222222222%;}<\/style><form action=\"\" class=\"loancomparison_form\" method=\"POST\" id=\"loancomparison_form\"><div class=\"loancomparison_form_header\">\n\t<div class=\"loancomparison_sliders\"><div class=\"loancomparison-range loancomparison-slider-principal loancomparison-slider- loancomparison-loanslider-hidden loancomparison-loanslider-full\">\n\t\t<div class=\"loancomparison_slider_output\"><span class=\"output-number output-left\">I want to borrow<\/span><span class=\"output-number output-right\"><output><\/output><\/span><\/div>\n\t<input type=\"range\" class=\"sc_loan_amount\" name=\"loan-amount\" min=\"1\" max=\"991\" value=\"21\" step=\"1\" data-loancomparison>\n\t<\/div><div class=\"loancomparison-range loancomparison-slider-term loancomparison-slider- loancomparison-termslider-hidden loancomparison-termslider-full\">\n\t\t<div class=\"loancomparison_slider_output\"><span class=\"output-number output-left\">For<\/span><span class=\"output-number output-right\"><output><\/output><\/span><\/div>\n\t<input type=\"range\" name=\"loan-period\" min=\"1\" max=\"35\" value=\"5\" step=\"1\" data-loancomparison>\n\t<\/div>\n\t<div style=\"clear:both\"><\/div><\/div><\/div><div class=\"loancomparison_rates\"><\/div>\n\t\t<div id=\"lc_show_more\"><div class=\"bg\"><\/div>\n\t\t<div class=\"fg\">Show more results<\/div><\/div>\n\t\t<\/form>  <br><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><strong>What is a housing loan?<\/strong><\/p>\n\n\n\n<p>A housing or home loan is a sum\nof money borrowed from a bank, lender or financial institution to purchase a\nhouse. Like all loans, the amount borrowed has to be repaid over a period of\ntime with interest.<\/p>\n\n\n\n<p>Banks and financial institution\noffer different loan packages to cater to the needs of different users. Compare\nrates and choose a loan based on its features, fees and charges, as well as the\nlevel of service offered by the institution. Be sure to have all the necessary\ndocuments for your application beforehand.<\/p>\n\n\n\n<p>The time length of a housing\nloan can last up to 30 years or when the borrower reaches the age of 65,\nwhichever comes first. <\/p>\n\n\n\n<p><strong>What is a lock-in period?<\/strong><\/p>\n\n\n\n<p>Banks usually charge a penalty\nof 2% to 3% (on your original loan amount) if you pay off your housing loan in\nfull within the first 2 to 3 years. This \u20182-to-3-year\u2019 period is known as the\nlock-in period of your housing loan, meaning you will have to pay a penalty for\nearly settlement.<\/p>\n\n\n\n<p><strong>How do I apply for a housing loan?<\/strong><\/p>\n\n\n\n<p>You\u2019ll need to compare the types\nof housing loans available to you offered by various banks and lenders, as well\nas learn about interest rates, flexi, semi-flexi and non-flexi loan options.\nFor instance, a flexi option allows you to put withdrawable additional money in\nyour loan account while a semi-flexi loan means you\u2019ll get charged when\nwithdrawing money from the account.<\/p>\n\n\n\n<p>Next, decide which bank or\nlender has the best housing loan for your needs. Then, contact them and they\nwill advise you further on what to do next, especially regarding required\ndocuments and paperwork, plus what criteria needs to be fulfilled.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is a housing loan? A housing or home loan is a sum of money borrowed from a bank, lender or financial institution to purchase a house. Like all loans, the amount borrowed has to be repaid over a period of time with interest. Banks and financial institution offer different loan packages to cater to&hellip;<\/p>\n","protected":false},"author":26,"featured_media":1140,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-single-column.php","meta":{"footnotes":""},"class_list":["post-1090","page","type-page","status-publish","has-post-thumbnail","hentry","content-box content-box-wrapper"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Find housing loans with the lowest interest rates with CreditFinder<\/title>\n<meta name=\"description\" content=\"Find housing loans with the lowest interest rates and Compare Malaysian housing loans with our easy filter tool with CreditFinder.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ctoscredit.com.my\/creditfinder\/housing-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Find housing loans with the lowest interest rates with CreditFinder\" \/>\n<meta property=\"og:description\" content=\"Find housing loans with the lowest interest rates and Compare Malaysian housing loans with our easy filter tool with CreditFinder.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ctoscredit.com.my\/creditfinder\/housing-loans\/\" \/>\n<meta property=\"og:site_name\" content=\"CTOS CreditFinder\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-04T03:20:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ctoscredit.com.my\/creditfinder\/wp-content\/uploads\/2019\/11\/banner-housing-loan.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2456\" \/>\n\t<meta property=\"og:image:height\" content=\"491\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ctoscredit.com.my\/creditfinder\/housing-loans\/\",\"url\":\"https:\/\/ctoscredit.com.my\/creditfinder\/housing-loans\/\",\"name\":\"Find housing loans with the lowest interest rates with CreditFinder\",\"isPartOf\":{\"@id\":\"https:\/\/ctoscredit.com.my\/creditfinder\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/ctoscredit.com.my\/creditfinder\/housing-loans\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/ctoscredit.com.my\/creditfinder\/housing-loans\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ctoscredit.com.my\/creditfinder\/wp-content\/uploads\/2019\/11\/banner-housing-loan.jpg\",\"datePublished\":\"2019-11-20T09:38:38+00:00\",\"dateModified\":\"2025-09-04T03:20:06+00:00\",\"description\":\"Find housing loans with the lowest interest rates and Compare Malaysian housing loans with our easy filter tool with CreditFinder.\",\"breadcrumb\":{\"@id\":\"https:\/\/ctoscredit.com.my\/creditfinder\/housing-loans\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/ctoscredit.com.my\/creditfinder\/housing-loans\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/ctoscredit.com.my\/creditfinder\/housing-loans\/#primaryimage\",\"url\":\"https:\/\/ctoscredit.com.my\/creditfinder\/wp-content\/uploads\/2019\/11\/banner-housing-loan.jpg\",\"contentUrl\":\"https:\/\/ctoscredit.com.my\/creditfinder\/wp-content\/uploads\/2019\/11\/banner-housing-loan.jpg\",\"width\":2456,\"height\":491},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/ctoscredit.com.my\/creditfinder\/housing-loans\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/ctoscredit.com.my\/creditfinder\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Find housing loans with the lowest interest rates Compare Malaysian housing loans with our easy filter tool. 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