• My First Home Scheme

High margin of financing

Up to 100% + 10% (GMRTA, legal fees and valuation fees)

Type of properties

Completed or under construction residential properties in primary & secondary market

No processing fee

Loan tenure

Enjoy loan tenure up to 35 years or 70 years of age, whichever is earlier

Group Mortgage Term Assurance (GMTA) can be financed

Additional Features

Prevailing Interest Rate and Default Clause. Please click here for more information

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


  • Individual aged 18 years to 35 years (subject to financing tenure) 
  • Malaysian citizen only 
  • Salaried worker or self-employed 
  • No record of more than 3 MIAs in past 12 months 
  • First time home buyer only (for both applicants, if any) 
  • Single borrower/customer gross monthly household income:
    Property price up to RM300,000

    - RM5,000 and below (individual / joint)

    Property price from RM300,001 to RM500,000
    - RM5,000 and below (individual)
    - Up to RM10,000 (joint but each borrower/customer’s salary should be RM5,000 and below) 
  • Payment amount must not be more than 60% of the net monthly income 
  • Property value is up to RM500,000 for residential properties in primary and secondary market


Salaried Applicant:

  • Identification Card 
  • Latest income tax return (EA Form) / latest EPF statement 
  • Bank book / statements showing salary income for the last 3 months 
  • A recent salary payroll slip with the employer’s name and evidence of salary credited into a bank account 
  • An employer’s letter (on company letterhead or bearing company chop) confirming job title and income details 
  • Sales and Purchase Agreement

Self Employed Applicant:

  • Identification Card 
  • Business Registration Certificate (SSM) 
  • Minimum 6 months of business establishment 
  • Savings / Current Account statements reflecting customer’s latest 6 months declared income or Latest Borang B with Tax payment / e-filing acknowledgement receipt 
  • Documentary evidence to prove that business is in existence for more than 6 months 
  • Sales and Purchase Agreement

Fees & Charges

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 / HomeFlexi Smart-i / BizFlexi Smart-i Processing fee of RM200.00
5 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

6 Secured OD Commitment fee of 1% p.a. on the unutilised amount for OD facility of RM 250,000.00 and above
7 Special PR1MA End Financing (SPEF) Package Processing fee of RM 200.00 
8 Redemption Statement (Home loan / Home financing) RM 50.00 per request
9 Letter of Confirmation for EPF withdrawal RM 20.00 per request
10 Ring Fence Processing Fee for EPF withdrawal RM 50.00 per request
11 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 

12 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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+603 6204 7788