Welcome to CIMB

This facility allows you to withdraw additional funds quickly and conveniently from your current account when required. It is available to customers, subject to a pledge of collateral acceptable to the bank.

Features and Benefits:

	No fixed monthly repayment, interest is charge based on utilization amount only.
	Wider range of accepted collateral, i.e. CIMB Fixed Deposit,CIMB Unit Trust, CIMB Structured Product, Floating Rate Negotiable Instruments of Deposit (FRNID), Negotiable Instruments of Deposit (NID), Negotiable Instruments of Deposit – Islamic (NID-i), CIMB-Aviva FD Freedom, CIMB-Aviva Commerce Investment Guarantee
	High margin of financing*
	Commitment fee - waived**
	Flexible cash withdrawal anytime via chequebook, ATM machine or at any of CIMB Bank branch
	For CIMB Prime Plan customer, enjoy 0.1 Bonus Point for every RM1 financing when customer applied for Credit Line against CIMB Fixed Deposit. Please click here for more information on CIMB Prime Plan.

* Subject to approval
**Commitment fee is waived as per current campaign

Terms & Conditions Apply

Eligibility:
	Individual aged 21years old and up to 60
	Minimum pledge collateral of RM10,000
	Malaysian and non-Malaysian residing in Malaysia

Requirements
These documents must be submitted along with the application form at any of the nearest branches. The bank reserves the right to request for additional documents where deemed necessary
	Photocopy of NRIC
	Original copy of collateral/certificate
	Latest 3 months Payslip / B Form / BE Form / EA Form
	6 months latest Bank Statement for self employed

•	Individuals aged 21 to 60 years old
•	Minimum pledge collateral of RM10,000

Facility	Segment	New Interest Rate
Personal Credit Line (OD)	Mass Market	BLR – 2.00% p.a.
	Prime
	Preferred
	Private Banking

*BLR as at May 2011: 6.60%

Products/Items

Charges

1

Letter of Offer - Stamping

RM 10 stamping fee on Letter of Offer

2

Supplementary Letter of Offer

Nominal stamping of RM10.00

The stamp duty charged will be debited from customer’s approved loan account

3

3rd Party MOD - Stamping (if applicable)

Nominal stamping of RM10.00

All stamp duty to be borne by borrower.

4

Absolute Assignment - Stamping

RM 10 stamping fee on Absolute Assignment

Only applicable for OD against CIG/FD Freedom

Property Financing

Personal Financing