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Personal Banking > Property Financing > Invest in Properties

Invest in Properties
Property investment has proven to be an asset class in itself, offering good capital growth, a regular income stream through rental returns, and a hedge against inflation in the long run. Of course, it all depends on the property you choose � buy a winner and you could soon reap rewards as the value increases. Having an eye for hidden gems is definitely an advantage, as it could result in an exponential rise in value and a fast track to the big time! Whether you�re investing for yourself or for business, getting the right financing package is important, as always.

Our Popular Product(s)

Shariah Solution(s)

HomeLoan

HomeFlexi

BizLoan

BizFlexi

Flexi Home Financing-i
by CIMB Islamic Bank

Flexi Business Premises Financing-i
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.

�	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.

Gives you the flexibility to pay your monthly instalment with a withdrawal facility on your current account. You are also protected by the Capping Rate in the event of higher profit rate.

Type of Property

All types of residential property

All types of commercial and industrial buildings

All types of residential property

All types of commercial and industrial buildings

Margin of Financing

Up to 95%

Up to 90%

Up to 95%

Up to 90%

Low Initial Package
(Pay Interest only during first 3 years)

Yes