Personal Banking Commercial Banking
 
You are in
   Daily Banking    |   Cards    |   Financing    |   Wealth Management    |   CIMB Preferred    |   Segments    |   Customer Service   
 
Personal Banking > Property Financing > Buy Properties
Buy Properties  
Whether you are a first-time home buyer, looking to upgrade your current home, or an investor or an expatriate seeking to make Malaysia your second home, you need a home financing package which will suit you best. Choosing the right instalment package is important as it ensures that your finances are well managed. Whether your income is regular, flexible or if you are looking for extra funds from your home financing package, we have various financing packages tailored to different individual needs.
 
Our Popular Product(s)
Shariah Solution(s)
HomeLoan 
HomeFlexi 
BizLoan 
BizFlexi 
 
Commodity Murabahah (Tawarruq) based products (for Flexi & Variable packages – Home & Business Premises)
by CIMB Islamic Bank
 
Why This Product?
For buyers who prefer low initial repayments, or the pay half feature which lets you pay 50% of the principal during the tenure and the remaining at the end of the tenure.
Property investors can also benefit from an investment package with no lock-in period.
For Prime Banking customer, enjoy the following benefits:
  • Earn 0.1 Bonus Point for every RM1 financing
  • Re-pricing option every 3 years or lapse of lock-in period, whichever is later at prevailing board rate
  • Preferential rates
  Please click here for more information on Prime Banking.
Opt to select HomeLoan Fixed Rate for 1st 3 or 5 years
Opt to select Capped Rate Loan, capping of BLR for 1st 3 or 5 years.

Offers flexibility in repayments where you can deposit any amount, anytime.
Excess repayments will be used to offset the principal loan amount for interest calculation.
Combines loan account with current account to facilitate withdrawal of excess cash.
Chequebook provided.
For Prime Banking customer, enjoy the following benefits:
  • Earn 0.1 Bonus Point for every RM1 financing
  • Re-pricing option every 3 years or lapse of lock-in period, whichever is later at prevailing board rate
  • Preferential rates
  Please click here for more information on Prime Banking.

A traditional business premises loan which comprises of 100% TL or combination of 50% TL & 50% OD.
Customer with OD facility  required to service interest only.
Opt to select Capped Rate Loan, capping of BLR for 1st 3 or 5 years.
Offers flexibility in repayment. You can pay more to save interest and also withdraw excess payment in times of need.
No commitment fees.
Cheque book is provided.
 
Competitive profit rates – affordable and reasonable
Zero lock-in period – no early settlement charges
High margin of financing
Save on stamp duty cost
>20% reduction on stamp duty for new financing
>100% stamp duty waiver for conversion from conventional loans
No compounding of profit charges
Ceiling rate for capping upon the fluctuation of Base Financing Rate (BFR)
GMTP coverage for unexpected event

 
Type of Property All types of residential property All types of residential property All types of commercial and industrial buildings All types of commercial and industrial buildings    
Margin of Financing 90%+5% [80%+5% for Pay Half Package] 90%+5% 85%+5% 85%+5%    
Low Initial Package
(Pay Interest only during first 3 years)
Yes No No No   No  
Pay Half Package
(50% during tenure remaining at the end)
Yes No No No   No  
Non Malaysian Citizen Yes Yes No No   No  
Malaysia My 2nd Home Program Yes Yes No No   No  
Minimum Financing Amount Non-FMC: RM 15,000 RM150,000 RM50,000 RM150,000    
Processing Fees Waived Yes No No No   No  
Set-up fee (1 time fee)    
Monthly Service Charge    
 
 


For Assistance
Call us at 1300 880 900 or
+603 22956100
Email us at callcentre@cimb.com
locate us  
 
More Info
Rates & Charges
Forms
Calculators
PIDM Register of Insured Deposits
Property Buyer Guide
First Time Buyer
Property Upgrade
Investment Property
Product Disclosure Sheet
 
 
 
   
Join us on