Hong Leong Home Loan Flexi Loan


New Base Rate

4.65%(BR + 0.71%)

Bank Interest Rate

3 years

Lock In Period


Monthly Repayment

Is a Hong Leong Home Loan Right for Me?

Hong Leong Bank offers a wide range of home loans, including the Hong Leong Flexi Mortgage which comes with a “bullet-payment” feature that allows you to make up to 35% of the principle loan repayment as final instalment at the end of the loan period. As the name suggests, this Hong Leong mortgage loans allow you to pay more than your fixed monthly payment. Anyone 18 years of age or older can apply this Hong Leong mortgage package.

There is another type of Hong Leong mortgage loans namely Hong Leong Housing Loan with the option of a term loan with overdraft facility. In other words, you can withdraw an amount of cash from your overdraft account when you sign up for this Hong Leong mortgage loan product. Likewise, there are many ways for you to repay the loan such as online banking or ATM. This Hong Leong Mortgage loan also offers you extra financial protection – Mortgage Recreasing Term Assurance (MRTA) which is also a term life insurance that covers you and your family from unexpected consequences such as total permanent disability or death.

Completing the suite is the Hong Leong Special Housing Loan designed specifically for first-time home buyers. Hong Leong Bank is also a participating bank offering Skim Rumah Pertamaku (My First Home Scheme), a programme to support first-time home buyers below the age of 35 and with a monthly gross income of less than RM5,000.

Am I Eligible for a Hong Leong Home Loan?

There are no specific requirements to apply for a Hong Leong home loan. Applicants for the Skim Rumah Pertamaku (My First Home Scheme) have to be Malaysian first-time home buyers aged below 35 and with a monthly gross income not exceeding RM3,000.

What Documents Will I Need to Prepare?

If you have applied for a Hong Leong Home Loan, you will be asked to provide some supporting documents in order for the bank to process your application. These documents are listed below:

* Application Form

* NRIC / Identity Card

* Copy of Sales and Purchase or Booking Receipt or Letter of Offer from Developer

* Copy of Individual Title Deed

* Property Valuation Report (for completed properties)

* Latest 3 consecutive months of salary slips / vouchers

* Latest 6 consecutive months of commission statement

* Latest EPF statements (with 3 consecutive months or more transaction history)

* Latest EA form

* Latest 6 months Bank Statement

* Letter of Confirmation of Employment and Remuneration