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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 
Prime Mortgage 
 
Home Financing-i
by CIMB Islamic Bank
Flexi Home Financing-i
by CIMB Islamic Bank
Ijarah Property Financing-i (for Home)
by CIMB Islamic Bank
Ijarah Property Financing-i (for Business)
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 CIMB Prime Plan 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 CIMB Prime Plan.
•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 CIMB Prime Plan 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 CIMB Prime Plan.
•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.
•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.
•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
•Combine loan account with current account to facilitate withdrawal of excess cash
•Cheque book provided
•Re-pricing option every 3 years or lapse of lock-in period, whichever is later at prevailing board rate
•Earn 0.1 Bonus Point for every RM1 financing
•Preferential rates
•Exclusively for CIMB Prime Plan customers only. Please click here for more information on CIMB Prime Plan.
 
An Islamic home financing package that lets you opt for :
•Fixed rate financing for 3 years, 5 years, 10 years or 20 years. Fixed rate package will safeguard you from profit rate fluctuations.
•Variable rate financing based on the movement of the Base Financing Rate (BFR) capped at an agreed ceiling rate.
•Enjoy combination of fixed and variable rate for maximum fixed rate of 3 years, 5 years and 10 years.
•For CIMB Prime Plan 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 CIMB Prime Plan.
•Financing account which is linked to your Mudharabah Current Account-i (Flexi Financing) which lets you enjoy lower profit charges on your home financing and at the same time earn monthly profit.
•For CIMB Prime Plan 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 CIMB Prime Plan.
 
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 All types of residential property   All types of residential property All types of residential property  
Margin of Financing Up to 95% Up to 95% Up to 90% Up to 90% Up to 95%   Up to 95% Up to 95%  
Low Initial Package
(Pay Interest only during first 3 years)
Yes No No No No   No No No No  
Pay Half Package
(50% during tenure remaining at the end)
Yes No No No No   No No No No  
Non Malaysian Citizen Yes Yes No No No   Yes Yes No No  
Malaysia My 2nd Home Program Yes Yes No No No   Yes Yes No No  
Minimum Financing Amount Non-FMC: RM 15,000 RM150,000 RM50,000 RM150,000 RM150,000   Non-FMC: RM 15,000 Non-FMC: RM15,000  
Processing Fees Waived Yes Yes No No Yes   Yes Yes No No  
 
 


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