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Personal Banking > Property Financing > Refinance Properties

Refinance Properties
Some people refinance their houses because it could mean substantial savings in the long run. Refinancing lets you take advantage of current financing features, which can be more attractive than the terms of your original financing plan. For instance, lower rates could mean lower instalments and more money saved. Or, the value of your house might have gone up, and by refinancing you can actually get additional cash. If you�ve been thinking of renovating your house, taking up a new business venture, or capitalising on an investment opportunity, refinancing can help to meet your changing needs.

Our Popular Product(s)

Shariah Solution(s)

HomeLoan

Home Financing-i
by CIMB Islamic Bank

Flexi Home 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.

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.