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| Why This Financing Facility? |
| | Available for both locals and foreigners. | | | 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. | | | 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. |
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| | 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. | | | Bumiputra only. |
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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. |
A hassle free personal financing to fulfill your dream. No Collaterals. No guarantor. |
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| Eligibility |
| | Individuals aged 21 to 60 years old | | | Minimum pledge collateral of RM10,000 |
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All eligible ASB investors under ASNB guidelines |
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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 58 years upon application
Minimum income RM 500 (basic + allowances)
Open to all government servant |
Individual applicant only
Aged between 21 and 60 years upon application
Minimum income RM2,500(basic + fixed income only) |
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| Collaterals |
The following products can be used as collateral : | | Fixed Deposit | | | FD Freedom | | | Commerce Investment Guarantee (CIG) | | | CIMB Structured Product/Deposit | | | CIMB Unit Trust |
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ASB Certificate |
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Nil |
Nil |
Nil |
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| Margin of Financing |
| | Min: 60% of collateral value | | | Max: 100% of collateral value |
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| | With evidence of income: 100% ASB unit trust value | | | Without evidence of income: 95% ASB unit trust value |
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5X Gross Income |
Up to 60% Angkasa deduction |
5X Gross Income |
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| Financing Amount |
| | Min: RM10,000 | | | Max: Up to individuals investment |
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Minimum RM10,000; Maximum RM200,000 |
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Min : RM 3,000
Max : RM 50k
* Subject to 5x gross salary |
Minimum RM1,000
Maximum RM150,000
*Subject to maximum 60% of total income |
Min : RM 2,000
Max : RM 100,000*
* Subject to 5x gross salary |
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| Financing Tenure |
Reviewed annually |
| | Min: 5 years | | | Max: 20 years (or up to 60 years of age) |
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| | Minimum 6 months | | | Maximum 5 years |
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| | Minimum 6 months | | | Maximum 15 years |
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| | Minimum 12 months | | | Maximum 5 years |
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Current Accounts
