CIMB Flexi Home Financing-i

With the linked Special Mudharabah Current Account-i you can start paying lower profit rates while you earn interest on your remaining balance!

    • Up to 35 years
    • Flexi Islamic financing
    • Floating Profit Rate
    • 3 years lock in period
    • Up to 90% margin of finance
  • You BorrowEstimated Profit Rate
    RM100000 - 1900005.35% p.a.
    RM200000 - 3490005.25% p.a.
    RM350000 - 4900005.05% p.a.
    up to RM5000004.95% p.a.

    *Effective profit rate will be determined by CIMB upon approval.

Apply online now for CIMB Flexi Home Financing-i

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Fees & Charges

There are always fees but how much are they?

Late Penalty Fee
1% p.a. of the outstanding amount
Processing Fee
Monthly Fee
Early Settlement Fee
Subject to terms of agreement with bank
Redemption Letter Fee
RM53.00 per request
Letter for EPF Withdrawal Fee
RM21.20 per request
Insurance Types
  • GMTA

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this CIMB home financing?

Minimum annual income
Minimum age
18 years old
Maximum age
70 years old
Who can Apply
  • Malaysians
  • Permanent Residents

Frequently Asked Questions about CIMB Flexi Home Financing-i

Things you might want to know

What is CIMB Flexi Home Financing-i?

The Flexi Home Financing-i mortgage from CIMB is a flexible Islamic home loan linked to a special Islamic current account. It is flexible in the sense that you will be given the option to pay extra on your mortgage repayments, and you'll be able to withdraw those advance repayments whenever you need extra money.

What special features does this home loan boast?

You will be charged a lower profit charge when depositing your repayments into the linked Special Mudharabah Current Account-i (SMCA-i), if you do decide to open one. The benefits do not end there, as you will be earning interest profits from the remaining balance in your SMCA-i account - your extra repayments will benefit you triple-fold by first reducing interest charges, then your financing period, and lastly provide you with interest earnings!

What are my commitments with this mortgage?

You will be paying for the bank's profits every month, calculated using the BFR. The BFR is a variable rate, so your profit payments will change subject to the change in BFR. There is a safety measure however, as there exists a ceiling rate upon fluctuation of the IBR.

Do I need insurance with this Home Loan?

Group Mortgage Term Assurance is optional, but in most cases highly recommended to protect from the risk of losing your family's property due to unforeseen circumstances, such as illness, accident, loss of employment or worse. Fire insurance is necessary for most mortgages.

Why should I choose the CIMB Flexi Home Financing-i?

The benefits fall mostly to those earning irregular or commission based wages, as you are given the flexibility to restructure your monthly installments according to your current financial position. By paying more, you can save on interest charges in the future, while also effectively reducing your tenure.

Who can apply for this loan?

Malaysians and permanent residents - including foreigners who are here under the Malaysia My 2nd Home plan.

What documents are needed when applying?

Salaried applicant:

NRIC photocopy
Latest 3 months’ salary slip
EA form / EPF statement (last 2 years)
Sales & Purchase Agreement / Booking receipt from developer

Self-employed applicant:

NRIC photocopy
Latest 3 months' salary slip
Sales & Purchase Agreement / Booking receipt from developer
EA form / EPF statement (last 2 years)
Business registration A&D
Last 3 months bank statement

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