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Teluk Intan (Richmond Residence - 3 Unit teres 2 tingkat)

Teluk Intan

Residential Type: 2-sty Terrace/Link House

Built Up: 2,266 sq.ft.

Bedroom: 4

Bathroom: 4

Price from

MYR 408,000

Teluk Intan (Richmond Residence - 5 Unit Semi-D 2 1/2 tingkat)

Teluk Intan

Residential Type: 2 1/2 Storey Semi D

Built Up: 2,864 sq.ft.

Bedroom: 6

Bathroom: 6

Price from

MYR 708,000

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Theme Park in Ipoh Open Its Doors By June

22 February 2017
THE Movie Animation Park Studios (MAPS) in Meru Raya, Ipoh will open before the middle of the year. Perak Development Corporation (PKNP) chief executive officer Datuk Aminuddin Md Desa said MAPS was currently in its final stage of completion. “MAPS will undergo a thorough testing and a safety trial run to ensure it achieves international safety standard.“The theme park has about 40 attractions in six themed zones with numerous unique and fun rides,” he said in a statement. Aminuddin was responding to Perak Mentri Besar Datuk Seri Dr Zambry Abd Kadir’s directive that the people needed an update on the theme park project. After chairing the executive council meeting earlier this month, Dr Zambry said the public deserved to know the progress of the highly anticipated theme park and that the people had taken their grouses to social media, questioning the park’s opening date and credibility. Aminuddin said PKNP embarked on the project as a catalyst for further growth of the state’s tourism industry. “We will ensure this project will be successful to achieve the desired objectives,” he said, adding that the annual pass would be valid for a year from the opening date. Read more at http://www.thestar.com.my/metro/community/2017/02/21/theme-park-in-ipoh-to-open-its-doors-by-june/#RPM3WG68xum2tum0.99

D Aman, Huashi Kerjasama Bina Rumah

18 January 2017
IPOH: Syarikat pembinaan daripada negara China, China Huashi Enterprises Company Limited (Malaysia) dilantik sebagai kontraktor fasa kedua Rumah Mampu Milik D Aman Residensi di Meru Raya, dekat sini. Pengerusi Jawatankuasa Industri, Pelaburan dan Pembangunan Koridor Datuk Mohamad Zahir Abdul Khalid berkata, pelantikan itu diyakini akan memberi pelbagai impak positif kepada negeri. Menurut beliau, pelantikan syarikat pembinaan gergasi dari China yang pertama di negeri ini dalam sektor pembinaan rumah mampu milik itu, secara tidak langsung akan memberi suntikan keyakinan kepada pelabur-pelabur dalam dan luar negara. “Perak mencatatkan pertumbuhan ekonomi negeri tertinggi di negara ini iaitu dengan 5.6 peratus pada tahun 2015 dan antara penyumbang terbesar ialah sektor pembinaan. “Justeru itu, penglibatan syarikat gergasi ini secara tidak langsung akan memberi keyakinan kepada pelabur-pelabur lain untuk melabur di negeri ini,” katanya dalam sidang media selepas majlis menandatangani perjanjian antara China Huashi Enterprises Company Limited (Malaysia) dan Bintang Wirajaya Sdn Bhd iaitu pihak “kontraktor turnkey” bagi projek D Aman Residensi, di sini pada Isnin. Turut hadir Pengarah Urusan D Aman Residences Sdn Bhd, Datuk Azizul Kama Abd Aziz, Ketua Pegawai Eksekutif D Aman Residences Sdn Bhd, Ong Teng Boon dan Pengurus Besar Kumpulan Huashi China, Wan Xiao Lin. Zahir berkata, kerjasama strategik itu juga dilihat mampu menyumbang kepada pertumbuhan dan pembangunan keseluruhan bandar Meru Raya, di samping membantu merealisasikan komitmen kerajaan negeri untuk membina rumah mampu milik. “Ini menunjukkan komitmen kita dalam menyediakan 10,000 rumah mampu milik yang merupakan manifesto PRU lalu. “Kita amat mengal-alukan MOU ini memandangkan ekonomi kita yang mencabar ketika ini, kita amat perlukan suntikan fisikal untuk rancakkan ekonomi,” jelas beliau. Sementara itu, Azizul Kama berkata, MOU itu akan memberi keyakinan yang lebih kepada pembeli terhadap projek perumahan tersebut. “Perspektif kita sebagai pemaju, langkah ini akan memberi keyakinan kepada pembeli selepas mereka tahu kita membawa syarikat pembinaan gergasi untuk menguruskan projek. “Kita telah pun memulakan fasa satu iaitu aparment lima tingkat, kita akan tengok pula projek yang dijalankan oleh syarikat ini, sudah tentu orang ramai akan melihat perbezaannya,” katanya. Tambah beliau, pihaknya yakin syarikat gergasi itu akan membawa teknologi baharu dari China ke tapak projek berkenaan bagi memastikan kerja pembinaan dapat dilaksanakan dengan sempurna. Azizul Kama memberitahu pembangunan fasa kedua itu merangkumi apartment 15 tingkat di tanah seluas 24.36 ekar di tengah-tengah bandar Meru Raya, Ipoh. “Fasa pertama di mana melibatkan pembinaan apartment lima tingat yang telah pun habis dijual dan kini dalam pembinaannya. “Fasa kedua ini pula melibatkan apartment 15 tingkat yang mempunyai keluasan lantai 980 kaki persegi dengan tiga bilik tidur serta dua bilik mandi,” jelas beliau. Tambahnya 480 unit apartment mampu milik itu juga akan menyediakan kemudahan-kemudahan bersama seperti surau, dewan serbaguna, komuniti berpagar dan berpengawal. “Dengan modal pelaburan serendah RM140,000, pembeli dapat memiliki apartmen D Aman Reidensi ini yang terletak hanyak 150 meter dari Taman Tema Animasi Antarabangsa (MAPS). “Ini matlamat kita iaitu untuk melihat masyarakat menikmati hidup berkualiti dan seterusnya menyumbang kepada pembangunan yang lebih sejahtera,” ujar beliau. Kumpulan China Huashi Enterprise Company Limited telah ditubuhkan pada tahun 1982 dan mempunyai pengalaman di dalam bidang pembinaan selama 34 tahun dengan telah kejayaan menyiapkan 2,000 projek. Selanjutnya di : www.suaraperak.com/d-aman-huashi-kerjasama-bina-rumah/16 January 2017

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Tips Kepada Pembeli Rumah

13 April 2017
Beberapa Aspek Penting bagi Pembeli Rumah Pastikan Pemaju Perumahan: Mempunyai lesen yang sah dan masih berkuatkuasa Mempunyai permit iklan dan jualan yang sah dan masih berkuatkuasa Status Tanah Pastikan status tanah:- Hakmilik Kekal / Pajakan (Tempoh tamat) Rezab Melayu. * Semakan dibuat secara carian di Pejabat Tanah atau Pejabat Pendaftar Negeri. Brosur Penjualan Rumah Brosur / risalah boleh didapati secara percuma daripada pemaju. Kandungan brosur:- Nombor lesen pemaju perumahan dan tarikh sah laku; Nombor permit iklan dan jualan dan tarikh sah laku; Nama dan alamat: Pemaju perumahan berlesen Ejen-ejen yang diberi kuasa (jika ada) Pemegang surat kuasa wakil (jika ada) Syarikat pengurusan projek (jika ada)  Status tanah: Pegangan Bebas Pajakan - pastikan tarikh tamat pajakan Bebanan – sama ada telah dicagarkan kepada bank untuk pinjaman.  Deskripsi kedudukan Spesifikasi bahan binaan rumah Luas bangunan Kemudahan/perkhidmatan  Nama projek perumahan; Tarikh projek perumahan dijangka siap; Harga jualan setiap jenis rumah; Bilangan unit mengikut jenis rumah; dan Nama Pihak Berkuasa Tempatan (pelan bangunan dan nombor rujukannya). Surat Perjanjian Jual Beli (SPJB) dan Jenis Rumah Jadual G - SPJB untuk tanah dan bangunan (landed property) Banglo, Rumah Berkembar, Rumah Teres Jadual H - SPJB untuk bangunan yang dipecahbahagikan (Bangunan Berstrata) Kondominium, rumah pangsa, apartment dan rumah bandar. Bayaran Pertama 10% daripada harga rumah Pembeli perlu menandatangani SPJB pada masa pembayaran pertama Tarikh bayaran pertama dan SPJB adalah tarikh yang sama. Amaran: Pemaju tidak boleh mengutip apa-apa bayaran. Tanpa suatu Surat Perjanjian Jual dan Beli. Ansuran kepada pemaju yang tidak disokong dengan satu perakuan yang ditandatangani oleh Arkitek atau Jurutera Pemaju yang bertauliah. Faedah Yang Dikenakan Pembeli akan dikenakan faedah 10% sekiranya pembeli atau pembiayaan (End Financier) pembeli gagal membayar bayaran ansuran dalam tempoh 21 hari bekerja dari tarikh menerima notis bertulis bayaran. Faedah dikira dari hari ke hari atas kadar 10% setahun ke atas ansuran yang tidak berbayar. Prosedur Pembatalan Surat Perjanjian Jual dan Beli (SPJB) SPJB boleh dibatalkan jika pembeli gagal membayar bayaran ansuran dan faedah yang dikenakan bagi suatu tempoh melebihi 28 hari. Pemaju bertanggungjawab menghantar Surat Berdaftar (A.R.) kepada pembeli tentang hasratnya membatalkan SPJB. (subfasal 10(1)(a), 10(2) dan 10(3) dalam Jadual G atau Jadual H, Perjanjian Jual dan Beli) Bayaran Penyelenggaraan Infrastruktur / Harta Bersama Pembeli perlu membayar: kos penyenggaraan infrastruktur dari tarikh pemilikan kosong sehingga masa penyenggaraan infrastruktur diambil alih oleh Pihak Berkuasa Berkenaan atau Badan Pengurusan Bersama (bagi bangunan berstrata). Infrastruktur yang dimaksudkan ialah: Bagi tanah dan bangunan Jalan, jalan masuk rumah, parit, pembentung, saluran air dan loji pembentungan bagi pemajuan perumahan berkenaan. Bagi bangunan berstrata Jalan, jalan masuk rumah, parit, pembentung, saluran air dan loji pembentungan bagi bangunan berkenaan. Bayaran Penyelenggaraan Perkhidmatan Mulai dari tarikh pemilikan kosong pembeli hendaklah membayar bagi perkhidmatan-perkhidmatan seperti berikut:-  Tanah dan bangunan Bayaran Perkhidmatan pungutan sampah, pembersihan parit-parit awam, pemotongan rizab jalan. Bayaran ini wajib dibayar hanya sehingga perkhidmatan ini diambil alih oleh Pihak Berkuasa Tempatan. Kadar Bayaran Pendahuluan sebanyak 6 bulan pada masa mengambil pemilikan kosong. Sekiranya selepas 6 bulan, perkhidmatan ini masih belum di ambil alih Pihak Berkuasa Tempatan, apa-apa pembayaran selepas itu hendaklah dibayar secara pendahuluan bulanan. - Bangunan berstrata Bayaran perkhidmatan adalah bagi penyenggaraan dan pengurusan harta bersama: Bermula apabila pemilikan kosong diambil. Deposit satu (1) bulan Tiga (3) bulan pendahuluan bagi perkhidmatan penyenggaraan. Apa-apa bayaran kemudian hendaklah dibayar satu bulan terdahulu Wajib dibayar kepada pemaju sehingga penubuhan suatu Badan Pengurusan bersama di bawah Akta Bangunan dan Harta Bersama (Penyenggaraan dan Pengurusan) 2007 (Akta 663) atau Sehingga Badan Pengurusan Bersama (Management Corporation) di tubuhkan di bawah Akta Hakmilik Strata (Akta 318) 1985.  * Peringatan: - Pembeli wajib membayar selaku pembeli / pemilik petak. Kumpulan Wang Penjelas (Sinking Fund) Bangunan berstrata sahaja. Pembeli perlu membayar : 10% daripada bayaran perkhidmatan Bermula pada tarikh mengambil pemilikan kosong petak. Deposit satu (1) bulan dan tiga (3) bulan pendahuluan. Bayaran Cukai Tanah, Cukai Taksiran dan Lain-lain Pembeli perlu membayar: Cukai tanah, kadaran, cukai taksiran dan bayaran-bayaran lain berkenaan dengan harta yang dibeli. Tempoh Pemilikan Kosong Pemaju perlu menyerahkan : Pemilikan kosong bangunan dengan bekalan air dan elektrik sedia untuk penyambungan. Dalam tempoh kalendar dari tarikh SPJB :  24 bulan (bagi tanah dan bangunan) dan 36 bulan (bagi bangunan berstrata). Syarat-Syarat Penyerahan Pemilikan Kosong (VP) Pastikan harta bebas daripada sebarang bebanan / gadaian. Syarat-syarat VP :- Perakuan dikeluarkan oleh Arkitek Pemaju yang mengesahkan: Bangunan tersebut telah siap. Bekalan air dan elektrik sedia untuk penyambungan. Pemaju telah memohon: Pengeluaran CFO melalui Borang E * PBT telah mengeluarkan surat perakuan bahawa Borang E telah disemak dan diterima oleh PBT. Pembeli hanya boleh menduduki rumah apabila CFO sudah dikeluarkan oleh PBT. Kerja ubah suai rumah hanya dibenarkan selepas mendapat CFO serta kelulusan pelan oleh PBT. Semasa pemeriksaan bangunan, sebarang kecacatan sahih direkodkan dan diserahkan kepada pemaju untuk tujuan pembaikan. Pastikan anda mendapat salinan aduan (Untuk kegunaan TTPR). * Borang E adalah permohonan daripada Arkitek pemaju kepada PBT untuk pengeluaran CFO. Penubuhan Perbadanan Pengurusan Bagi Bangunan Berstrata Satu Perbadanan Pengurusan akan diwujudkan oleh pembeli-pembeli apabila Hakmilik Strata bagi tiap-tiap petak dikeluarkan dan dipindahmilik kepada pembeli.   Perbadanan pengurusan adalah bertanggungjawab untuk menginsurankan dan menyelenggara keseluruhan bangunan dan harta bersama. Bayaran Gantirugi Pemaju hendaklah membayar kepada pembeli gantirugi: Sekiranya gagal menyerahkan Pemilikan Kosong Bangunan pada masa yang ditetapkan dalam Perjanjian Jual dan Beli Dikira dari hari ke hari dengan kadar 10% setahun daripada harga beli rumah. Tempoh Liabiliti Kecacatan  24 bulan selepas Penyerahan Pemilikan Kosong. Pemaju dikehendaki membaiki kecacatan yang diadukan dalam tempoh 30 hari dari tarikh penerimaan aduan. Selepas tamat tempoh 30 hari, jika pemaju tidak mengambil apa-apa tindakan pembeli perlu memaklumkan kepada pemaju kos perbelanjaan yang diperlukan untuk membaiki kecacatan tersebut. Pembeli perlu menghantar notis aduan secara bertulis melalui pos berdaftar atau melalui peguamcara pembeli. Selepas 14 hari dari tempoh pemakluman kos tersebut jika pemaju tidak mengambil apa-apa tindakan pembeli berhak mendapat balik wang daripada pemaju kos membaiki melalui memotong wang bayaran 5% seperti tercatat dalam Jadual Ketiga Fasal 4 (1) sebagaimana tercatat dalam SPJB yang dipegang oleh peguamcara pemaju. Tribunal Tuntutan Pembeli Rumah (TTPR) TTPR menyediakan alternatif untuk mendengar dan mengadili tuntutan pembeli yang menuntut gantirugi/ pampasan daripada pemaju perumahan dengan cara yang lebih mudah, murah dan cepat. Tuntutan mestilah dibuat dalam tempoh 12 bulan selepas tarikh Sijil Kelayakan Menduduki (CFO) atau Tamat Tempoh Liabiliti Kecacatan (Defect Liability Period) seperti dinyatakan dalam SPJB Tuntutan tidak boleh melebihi RM 50,000. Pengarah Bahagian Penguatkuasaan Jabatan Perumahan Negara Kementerian Perumahan dan Kerajaan Tempatan Aras 30, No.51, Persiaran Perdana Presint 4 Pusat Pentadbiran Kerajaan Persekutuan 62100 Putrajaya MALAYSIA No. Telefon     : 603 - 8891 4410 No. Faksimile : 603 - 8891 4045 E-mel  : enforcement@kpkt.gov.my Untuk maklumat lanjut sila layari : http://ehome.kpkt.gov.my/index.php/pages/view/236

INSIGHTS ON ISLAMIC HOME FINANCING: ADVANTAGES TO CONSIDER

13 April 2017
For home financing, conventional banks provide a loan to the homebuyer, and charge an interest on top of the principle as the cost of the funds. Beginning 2015, Bank Negara Malaysia (BNM) introduced the base rate (BR) to replace the existing base lending rate (BLR) as the indicative rate in Malaysia. However, home loan as being practiced by conventional banks is not acceptable to the Shariah as the structure is a lending and borrowing on interest basis, whereby this is classified under the Shariah as a prohibited riba’ al-qardh. For Islamic home financing-i, the banks do not lend money and the homebuyers do not borrow. Instead, they form a business partnership to buy the house and hand it over to the homebuyer gradually. Bank Islam Malaysia Berhad’s head of Shariah, Ustaz Mohd Nazri Chik said as an Islamic bank, they do not lend money to customer to purchase their houses. Instead, they provide the end financing to meet the requirement by way of Shariah compliant financing modes. WHAT’S IN STORE? He explained there are few types of the Shariah compliant modes such as Tawarruq (monetisation), Murabahah (cost plus sale), Istisna’ (purchase order sale), Ijarah (leasing) or Musharakah utanaqisah (diminishing partnership). “Currently at Bank Islam, our housing financing is structured under Tawarruq arrangement,” said Ustaz. Bank Islam’s customers mostly approached the bank to get financing to pay their house vendors. Hence under Tawarruq arrangement, the Bank will sell commodities under Murabahah (cost plus sale) concept, at the price of financing amount plus agreed profit on deferred payment basis. Subsequently the customer (via the Bank as its selling agent) will sell the commodities purchased from the Bank to the market, and the proceeds will be used to pay house vendor. The effects of the above arrangement are defined as customer would be able to pay the house vendor to get the house, who owes the financing amount with agreed profit to the Bank. The financed house will be taken as security to guarantee the payment of instalments to the Bank. Additionally, customer may be required to subscribe to Mortgage Reducing Term Assurance (MRTA) or Mortgage Reducing Term Takaful (MRTT) to provide additional security to the Bank.  ADVANTAGES TO CONSIDER In the event of customers delaying the instalment payments, they will not be imposed with compounding interest as practiced by conventional bank, instead they will pay a compensation that is computed on actual cost basis (ta’widh) as approved by the Shariah Advisory Council of Bank Negara Malaysia. Ustaz added that what differentiates the Islamic home financing from the conventional loans are: It is not a loan, but a financing arrangement in compliance with the Shariah rules and principles; There are various modes of financing that can be structured, considering the legal framework, accounting standards and taxation of any particular jurisdiction; Customer will not be imposed any compound interest in the event of defaults, as it is not Shariah compliant. Ustaz also explained that their advantages to take this Shariah compliant financing product, is that it would be Shariah compliant, offered in both fixed rate and floating/ variable rate financing. However, floating rate of Islamic financing provides more clarity and benefit to customers as it is capped to the agreed ceiling rate (as per the sale price of murabahah), in contrast to conventional home loan where the rate is moving up in tandem with the benchmark rate such as BR without any limit / ceiling. He also shared that, “In Bank Islam, we offer ‘Payment Holiday’ feature for our house financing where our customers can pay 10 months of instalment in a year (January to October). This will allow our customers to have more cash in November and December in preparation for their children’ schooling, for holidays and more.” There will also not be any hidden or compounding charges. There are no apparent drawbacks as compared to conventional products offered in the market, thus bringing with it additional benefits as explained above. LEGALLY SPEAKING Azmi & Associates partner for global financial services and Islamic banking, Farhah Hayati binti Mamat said generally, in relation to Islamic home financing, the Sharia law that applies are as follows: Istisna’:  A contract for an order made by the buyer to manufacture / construct the asset / house per specifications. Bai’ Bithaman Ajil: A contract based on deferred sales price which is to be paid at a specified period. The financier will buy the identified house from the developer chosen by the buyer. The financier will then sell the house to the customer at a marked up price. The customer will make payments as per the agreed tenure in instalments. Ijarah Muntahiyah Bittamlik: A contract to lease the home for a pre-determined period. Finally, on lease payment, ownership of the home will be transferred to the customer in the form of a sale, promissory gift, or hiba. Tawarruq (Commodity Murabahah): A tripartite contract for the sale and purchase of the commodity made between the financier, the customer and the commodity trader. Upon the purchase of the commodity by the financier, the financier and the customer will enter into a murabahah sale contract where the customer is will pay the sale price on a deferred term to the financier. At the option of the customer and upon the completion of the sale of the commodity by the customer to the commodity trader, the customer will utilise the proceeds of the sale of the commodity to buy the house. Musharakah Mutanaqisah: A contract to finance the purchase of the house based on Shariah principles of diminishing Musharakah and Ijarah. Both the financier and the customer are co-owners of the house and with the payment of the Ijarah rental, the financier’s ownership of the house will be diminished and transferred proportionately to the customer at the end of the tenure of the financing. In Malaysia, the Tawarruq (Commodity Murabahah) and Musharakah Mutanaqisah are the most acceptable products in Islamic home financing. Farhah affirmed “Islamic financial terms, ownership can be divided into two, i.e. legal and beneficial ownership. Legal ownership means the owner has an enforceable claim or title to an asset or property, and is recognized as such by law, specifically under the National Land Code 1965.” Beneficial ownership is a legal term where specific property rights (“use and title”) in equity belong to a person even though the legal title of the property belongs to another person. Example of beneficial ownership is when a person buys a property but pending issuance of an individual title (especially when the purchaser purchases a strata property), he can lodge a caveat to the land, because he has a registerable interest over the land. Farhah said “Islamic law recognises one’s ownership over the property, Muslim jurists define ownership as ‘the relationship that exists between a person and a thing that gives absolute control and right of disposal over it to the exclusion of others.” In Islamic banking structure, the property ownership is one of the core principles that distinguishes between Islamic and conventional banking. Most of the Islamic banking products require the bank or financial institution to own the property first (as a beneficial owner) and rents or sell it back at a mark-up or with profit the customers. Subsequently, the Islamic home financing will benefit non-Muslims in such that it is based on pre-determined profit rate instead of interest rate; hence, there is certainty in the amount of the profit rate. Also, it is based on base financing rate (BFR) which the bank can adjust based on prevailing market conditions but not more than the ceiling rate, which is the maximum profit an Islamic home financing provider will earn. Then Ta’widh is charged at 1% per annum or at Islamic Interbank Money Market’s rate (subject to Bank Negara Malaysia’s guideline for Ta’widh) on the outstanding payment and it is non-compounding. For the conventional home loan, the average late payment charge is 1% on the overdue payment, compounding in nature and may subject to multi-tiered late payment charges rate based on the relevant period. There are no additional charges on the late payments. THE KNOW-HOW Farhah pointed out the typical documentation involves letter of offer from the bank, with contents like profit margin, tenure, payment term etc, as well as the facility agreements (For example, in Bai’ Bithaman Ajil (BBA) facility, where the customer will first sell an asset to the bank, there will be two documents – Asset Purchase Agreement and Asset Sale Agreement are the facility agreements). And then, there will also be the General Security Documents, which contain the land charge, deed of assignment over property, guarantee and debenture and memorandum of deposit. While some of the stamp duty remission orders that are currently applicable are pursuant to the Stamp Duty (Remission Order) 2015 [P.U (A) 308/2016], the government is giving twenty per cent (20%) remission or discount of the stamp duty chargeable on a principal or primary financing instrument which is made in accordance with the principles of Shariah as approved by the Shariah Advisory Council; for the purpose of financing the purchase of a residential property; and executed between a financial institution and its customer from 1 January 2016 to 31 December 2017. Another scenario is where the customer is only required to pay the nominal amount of the stamp duty. This will happen if the customer had previously had a conventional loan with the bank and wants to convert the existing loan to an Islamic home financing, or if the customer wants to restructure the existing financing facility. Persuant to the Stamp Duty (Remission) Order 2014 and the Stamp Duty (Remission) (No.2) Order 2014, those principal or primary Shariah-compliant residential property financing instruments involving first time house buyers that have already qualified for 50% stamp duty remission will be further entitled to 20% stamp duty remission pursuant to the Orders. In Malaysia, plenty of financial institutions are offering extensive Islamic home financing solutions, for example HSBC Amanah, Bank Muamalat, Maybank Islamic, OCBC Al-Amin, RHB Islamic Bank, Hong Leong Islamic Bank, Al-Rajhi Bank, Kuwait Finance House, Standard Chartered Saadiq, CIMB Islamic, Public Islamic Bank, Alliance Islamic Bank and Bank Islam. Source by : Property Insights  or more at http://propertyinsight.com.my/finance/insights-on-islamic-home-financing-advantages-to-consider/