• BizFlexi Smart

High margin of financing


Up to 85% + 5% (GMTA/Legal/Valuation).



Payment and withdrawal convenience

Make prepayment and withdrawal via  CIMB Clicks, Contact Centre or any CIMB  Bank branches nationwide

Group Mortgage Term Assurance (GMTA) can be financed




Flexibility of withdrawal


Withdraw prepayment at anytime at an affordable fee.

Loan tenure

Up to 30 years, or 70 years of age, whichever is earlier

Type of properties

For completed and under  construction commercial and industrial properties

Save on interest with prepayment

Save on interest when you make prepayment which reduces the outstanding principal loan amount.

No processing/set up/maintenance fee

Enjoy more affordability.

Additional Features

  • No commitment fees
  • Statement – Yearly.

Monthly Installment Calculator

Choose the duration to find out the corresponding rates per annum.

Loan Amount (RM)

Loan Period (Years)

Interest Rate (%)

Total Amount Payable
RM 0


  • Individuals aged 18 years and above.


Salaried Applicant:

  • NRIC photocopy
  • Latest 3 months' salary slip
  • Latest EPF statement / Latest 3 months bank statements showing salary crediting
  • Sale & Purchase Agreement / Booking form from developer

Self-Employed Applicant:

  • Business registration
  • Latest 6 months business bank statements
  • Latest Form B with tax payment receipt
  • Sale & Purchase Agreement / Booking form from developer

Service Tax Implementation 
Taxes on products and services (including but not limited to service tax, indirect taxes or withholding taxes), where applicable, as may be imposed by the Government of Malaysia and any taxes payable in connection with or arising out of facility financing/account will be payable.

  Products / Items Fees and Charges
1 HomeLoan / BizLoan / Variable Home Financing-i  / Business Premises Financing-i / Term Financing-i  / Vacant Land Financing Processing fee: Not applicable
2 HomeFlexi / BizFlexi  / Flexi Home Financing-i / Flexi Business Premises Financing-i 

Set up fee of RM200.00 

Monthly service charge of RM10.00 

Monthly flexi charge / Non rebated profit of RM40.00

3 Flexi Vacant Land Financing

Monthly service charge of RM10.00

Monthly flexi charge of RM40.00

4 HomeFlexi  Smart / BizFlexi Smart/  Vacant Land Flexi Smart / HomeFlexi Smart-i / BizFlexi Smart-i / Residential Vacant Land Flexi Smart-i 

Redraw fee of RM25.00** via OTC/Branch/Contact Centre and RM 10.00** via CIMB Clicks

 **per transaction regardless of the amount withdrawn

5 Secured OD Commitment fee of 1% p.a. on the unutilised amount for OD facility of RM 250,000.00 and above
6 Special PR1MA End Financing (SPEF) Package Processing fee of RM 200.00 
7 Redemption Statement (Home loan / Home financing) RM 50.00 per request
8 Letter of Confirmation for EPF withdrawal RM 20.00 per request
9 Ring Fence Processing Fee for EPF withdrawal RM 50.00 per request
10 Reproduction of statements 

For period up to 1 year

Front page - RM 10.00 

Additional page - RM 2.00 

For period exceeding 1 year

Front page - RM  30.00 

Additional page - RM 2.00 

11 Stamp Duties

As per Stamp Duty Act 1949 (Revised 1989)

i) Letter Offer: RM10.00

ii) Principal Document:  RM5.00 for every RM1,000.00

iii) Security Document: RM10.00

iv) Standing Instruction: RM10.00

Request for issuance of Redemption Statement (House or Home Financing)
Request for issuance of Redemption Statement (House or Home Financing)
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We are contactable 24/7
+603 6204 7788