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HouzKEY, a homeownership solution by Maybank Islamic that is designed to assist you in your home financing with great flexibility and cash flow efficiency.

    • Up to 30 years
    • Flexi Islamic financing
    • Floating Profit Rate
    • 5 years lock in period
    • Up to 100% margin of finance
  • You Borrow Estimated Profit Rate
    RM250000 - 1000000 4.25% p.a.
    *Effective profit rate will be determined by Maybank upon approval.

Fees & Charges

There are always fees but how much are they?

Late Penalty Fee
1% p.a. before the end of tenure on the outstanding amount
Processing Fee
No Fee
Early Settlement Fee
No Fee


Are you eligible for this Maybank home financing?

Minimum annual income
Minimum age
18 years old
Maximum age
70 years old
Who can Apply
  • Malaysians
  • Must not have more than one (1) home financing at the point of application
  • Salaried employee
  • Self-employed

Frequently Asked Questions about Maybank HouzKEY

Things you might want to know

What is HouzKEY?

HouzKEY is a homeownership solution offered by Maybank Islamic. It is designed to assist homebuyers who are unable to own a home due to high initial cost. Stay first with HouzKEY and after a minimum period of 12 months, you have the option to buy the house at the pre-agreed purchase price. During the tenure period, you will have to pay monthly payment and your tenure can be extended up to a maximum of 30 years. Pathway to owning a home: Properties listed for sale by Individual Seller on
  • Monthly repayment reduces outstanding financing amount overtime
  • Your choice of completed home, up to RM1 million anywhere within Klang Valley (KL & Selangor) from sub-sale market / individual sellers
  • Minimum built-up area of 550 sq. ft.

What are the key benefits?

  1. Easy entry with minimal upfront cost. Instead of paying 10% down-payment like a conventional home mortgage, you only need to pay three (3) months refundable deposit.
  2. You can choose to stay first and purchase the property later at a locked-in property price.
  3. If you choose to sell the property, 100% profit (net gain from the sale proceeds) will be yours.
  4. Eligible for up to 100% financing which includes incidental cost such as legal fees and stamp duty among others.

Am I eligible?

You must be a Malaysian citizen between the age of 18 to 70 years old, with not more than one (1) home financing at the point of application. If you could not meet the income criteria of a minimum of RM60,000 per annum, this homeownership plan allows you to include up to three (3) guarantors (aged between 18-70 years old) which helps improve the success rate of your application. The guarantors must be your immediate family members - spouse, parents, siblings, and children only.

What if I want to buy the house after 12 months?

You can buy the house via cash or mortgage at anytime from Year 2 onwards. Since the property's price is locked-in, you are entitled to the pre-agreed price despite appreciation. You can also choose to sell and keep 100% profit (the difference between initial locked-in price and selling price).

Calculate Your Loan

Your Monthly Repayment is:


Profit rate is: 4.25% p.a