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| Shariah Solution(s) | |
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| Why This Financing Facility? |
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Available for both locals and foreigners. |
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Withdraw additional funds quickly and conveniently from your current account without liquidating your investment products. |
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Service the monthly interest and settle the principal as and when you wish. |
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Interest is calculated on a daily rest basis, meaning the more you pay up on your principal, the lower the interest charges. |
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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. |
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Minimum documents required, attractive interest rates and flexible loan tenures. |
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Suitable for a secured long-term investment with consistent and attractive dividends paid by ASNB, including a guaranteed buy-back from ASNB. |
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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. |
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 branch in Kota Bharu, Kelantan |
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| Eligibility |
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Individuals aged 21 to 60 years old |
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Minimum pledge collateral of RM10,000 |
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All eligible ASB investors under ASNB guidelines |
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Malaysian Bumiputera only |
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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 RM1,500 (basic + fixed allowances)
• Open to all government servant |
• Individual applicant only
• Aged between 21 and 60 years upon application
• Minimum income RM2,000(basic + fixed income only) |
• Malaysian
• Permanent Residents
• Non- Malaysian
• Aged between 21 to 70 years old |
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| Collaterals |
The following products can be used as collateral :
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Fixed Deposit |
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FD Freedom |
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Commerce Investment Guarantee (CIG) |
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CIMB Structured Product/Deposit |
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CIMB Unit Trust |
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ASB Certificate |
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Nil |
Nil |
Nil |
• Gold jewellery only
• Gold Standard : 18K to 24K |
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| Margin of Financing |
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CIMB Local Currency FD - without interest withdrawal (Up to 100% face value) |
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CIMB Local Currency FD - with interest withdrawal (Up to 95% face value) |
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CIMB Group Unit Trust (Up to 60% of face value) |
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CIMB SP/ FRNID/ NID/ NID-i (Up to 80% of face value) |
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CIMB Group 100% principal protected UT ( up to 80% of face value) |
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CIMB Aviva CIG (Up to 80% fo face value) |
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CIMB Aviva FD Freedom (Up to 100% of face value) |
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With evidence of income: 100% ASB unit trust value |
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5X Gross Income |
Up to 60% Angkasa deduction |
5X Gross Income |
• Up to 75% of daily gold market value |
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| Financing Amount |
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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 – RM200,000
*Subject to maximum 60% of total income |
Min : RM 2,000
Max : RM 100,000*
* Subject to 5x gross salary |
• Minimum : RM 100 or 5 grams of gold (whichever is higher)
• Maximum : RM 20,000 |
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| Financing Tenure |
Reviewed annually |
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Min : 5 years |
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Max : 30 years or up to 65 years of age (whichever is earlier) |
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Minimum – 6 months |
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Maximum – 5 years |
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Minimum – 12 months |
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Maximum – 20 years |
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Minimum – 12 months |
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Maximum – 5 years |
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• 1 month to 6 months
• Auto extension of 3 months (applicable to Non-Delinquent accounts only) |
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Current Accounts
