“IOI Properties and RHB launch innovative housing loans with renovation and green financing benefits, easing buyer burdens and supporting sustainable living.“
Kuala Lumpur, 04th June 2025, 11.00am – IOI Properties Group Bhd has entered into a strategic partnership with RHB Banking Group to offer enhanced home financing options, aimed at easing homeownership costs and promoting sustainable property investment.
Announced in a joint statement on Friday, the collaboration introduces two financial packages:
- Home & Renovation Loan/Financing, and
- Green Residential Property Loan/Financing.
These schemes are applicable to eligible residential properties across IOI Properties’ portfolio, which includes townships and high-rise developments in the Klang Valley, Johor, and Penang.
Renovation Loan of Up to 30% on Top of Housing Margin
Under the Home & Renovation Loan/Financing scheme, eligible buyers can access financing margins of up to 90% + 30%, where the additional 30% is dedicated to covering renovation costs. The renovation portion will be disbursed progressively, based on construction milestones.
The financing solution is designed to address the financial pressure faced by homeowners upon receiving vacant possession, a common challenge for many buyers, said Nicole Lee, IOI Properties’ Head of Group Sales, Marketing, and Branding.
Green Loan Offers Up to 100% Coverage, Including MRTA/MRTT
Meanwhile, the RHB Green Residential Property Loan/Financing offers up to 95% financing—which includes entry cost financing—with an additional 5% available to cover Mortgage Reducing Term Assurance (MRTA) or Mortgage Reducing Term Takaful (MRTT).
To qualify, the property must be certified under any of the following:
- Green Building Index (GBI)
- GreenRE
- Leadership in Energy and Environmental Design (LEED)
This offering is aligned with both organisations’ commitment to sustainable development and carbon emission reduction through certified green buildings.
A Sustainable Approach to Home Financing
“This financial solution with RHB aims to alleviate buyers’ financial burden at a critical phase—vacant possession—and encourages investment in sustainable homes,” Nicole Lee added.
The initiative also supports IOI Properties’ sustainability roadmap, which includes increasing the adoption of eco-certified homes and advancing sustainable community planning.
Echoing this sentiment, Jeffrey Ng Eow Oo, RHB’s Managing Director of Group Community Banking, said:
“Today’s homebuyers seek more than just funding—they demand flexibility, energy efficiency, and long-term value. Through this collaboration, RHB combines innovative financing with IOI Properties’ quality developments to deliver on those expectations.”
Ng noted that RHB had approved over RM2 billion in green home financing between 2020 and March 2025—demonstrating its long-term commitment to environmental responsibility and customer-focused financial innovation.
Strategic Alignment with Market Trends
The partnership reflects a broader trend in the Malaysian housing market where green building certifications, energy efficiency, and renovation-inclusive loans are becoming increasingly attractive to urban homebuyers, especially first-time purchasers and young families.
With Malaysia’s real estate sector gradually shifting towards sustainable development, initiatives like this position both IOI Properties and RHB as leaders in responsible homeownership solutions.
