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Personal Banking > Personal Financing > Personal Financing
Personal Financing  
It could be a new business venture, a child who is pursuing a higher education, or even a holiday abroad – whatever the reason, we can help you get the money you need quickly and without hassle. Approval is fast and minimal documents are required. Speed is especially useful if it’s an investment opportunity you want to capture, or a place in a prestigious university that you need to secure. To lower the outstanding amount on your high interest debts, you can consolidate them into one manageable account with a fixed monthly repayment. We have the right financing packages to meet every need.
 
Our Popular Product(s)
Shariah Solution(s)
Credit Line Secured Overdraft 
ASB Financing 
Cash Plus Personal Loan 
 
Xpress Cash Financing-i
by CIMB Islamic Bank
Pembiayaan Peribadi Sektor Awam-i
by CIMB Islamic Bank
CIMB Islamic Ar-Rahnu*
by CIMB Islamic Bank
 
Why This Financing Facility?
Withdraw additional funds quickly and conveniently from your current account without liquidating your investment products.
Service the monthly interest and settle the principal as and when you wish.
Interest is calculated on a daily rest basis, meaning the more you pay up on your principal, the lower the interest charges.

Buy and earn the annual dividends and bonuses from your ASB investment while you service the loan, to offset subsequent loan repayments.
Minimum documents required, attractive interest rates and flexible loan tenures.
Suitable for a secured long-term investment with consistent and attractive dividends paid by ASNB, including a guaranteed buy-back from ASNB.

A hassle free personal loan to fulfill your dream. No Collaterals, no guarantor and flexible repayment tenure up to 5 years
  A hassle free personal financing to fulfill your dreams. No Collaterals. No guarantor for financing below RM5,000-00 A very special featured product to cater all government servants. No guarantor, no collaterals and easy to apply. An Islamic pawn broking scheme based on Shariah principles that provide you immediate cash by pawning your gold jewellery

*Please note that this product is only available at the Wisma Square Point (Kota Bharu) and Pasir Puteh branches in Kelantan
 
Eligibility
Individuals aged 21 to 70 years old
Minimum pledge collateral of RM10,000
All eligible ASB investors under ASNB guidelines
Malaysian Bumiputera only
Individual applicant only
Aged between 21 and 60 years upon application
Minimum income RM2,000(basic + fixed income only)
  • Individual applicant only
 
• Aged between 21 and 60 years upon application
 
• Minimum income RM 800 (basic + fixed income only)
 
• Open to Micro-entrepreneurs, factory workers, clericals, etc
• Individual applicant only
 
• Aged between 18 and 59 years upon application (Subject to retirement age at 60 years)
 
• Minimum monthly gross income of RM1,500 for rate package of 5.55% (effective 1 Dec 2013)
 
• Minimum monthly gross income of RM3,000 for rate package of 5.25% (effective 1 Dec 2013)
 
• Open to all government servant

• These documents must be submitted along with the application form at any of the nearest branches. CIMB  
   Islamic reserves the right to request for additional documentation where deemed necessary.
     - Photocopy of MyKad
     - Latest 3 months certified true copy salary slips
     - Photocopy of account passbook/ statement where monthly salary is credited
• Malaysian
• Permanent Residents
• Non- Malaysian
• Aged between 21 to 70 years old
 
Collaterals The following products can be used as collateral :
Fixed Deposit
FD Freedom
Commerce Investment Guarantee (CIG)
CIMB Structured Investment
CIMB Unit Trust
ASB Certificate
NIL
  Nil Nil • Gold jewellery only
• Gold Standard : 18K to 24K
 
Margin of Financing
CIMB Local Currency FD - without interest withdrawal (Up to 100% face value)
CIMB Local Currency FD - with interest withdrawal (Up to 95% face value)
CIMB Group Unit Trust (Up to 60% of face value)
CIMB SP/ FRNID/ NID/ NID-i (Up to 80% of face value)
CIMB Group 100% principal protected UT ( up to 80% of face value)
CIMB Aviva CIG (Up to 80% fo face value)
CIMB Aviva FD Freedom (Up to 100% of face value)
With evidence of income: 100% ASB unit trust value
 up to 8x gross income

  *Subject to 5x gross income Up to 60% Angkasa deduction • Up to 75% of daily gold market value  
Financing Amount
Min: RM10,000
Minimum RM10,000; Maximum RM200,000 • Min : RM 2,000
• Max : RM 100,000*
 * Subject to maximum 8x gross income which ever is lower
  Min : RM 3,000
Max : RM 50k

* Subject to 5x gross income
Minimum – RM1,000
Maximum – RM200,000

*Subject to maximum 60% of total income
• Minimum : RM 100 or 5 grams of gold (whichever is higher)
• Maximum : RM 20,000
 
Financing Tenure Reviewed annually
Min : 5 years
Max : 30 years or up to 65 years of age (whichever is earlier)
Minimum – 1 year
Maximum – 5 years

 
Minimum – 6 months
Maximum – 5 years
Minimum – 12 months
Maximum – 10 years

• 1 month to 6 months
• Auto extension of 3 months (applicable to Non-Delinquent accounts only)
 
 
 


For Assistance
Call us at 1300 880 900 or
+603 22956100
Email us at callcentre@cimb.com
locate us  
 
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