CIMB Flexi Home Financing-i

Enjoy the flexibility of making prepayment and withdraw excess cash with fast 1-Minute CIMB InstaApproval. Plus, earn attractive low profit rate on the remaining balance in your Special Mudharabah Investment Account-i.

CIMB Flexi Home Financing-i
Up to 35 years
Profit Rate
from 4.35% p.a.
Financing type
Flexi islamic financing
Profit Type
Floating profit rate
Margin of finance
up to 90%

Profit Rate

The interest paid based on the home loan amount borrowed

You borrowEstimated Profit Rate
up to RM349,9994.55% p.a.
more than RM350,0004.35% p.a.
*Effective profit rate will be determined by CIMB upon approval.


Minimum Annual Income
Minimum Age
  • 18 to 70 years old
Who can apply
  • Malaysians
  • Permanent Residents

Fees & Charges

Late Penalty Fee
1% p.a. p.a. of the outstanding amount
Processing Fee
Early Settlement Fee
Subject to terms of agreement with bank
Redemption Letter Fee
RM50 per request
Letter for EPF Withdrawal Fee
RM20 per request
Insurance Types
  • Fire Takaful
  • GMTP

More Information

What is CIMB Flexi Home Financing-i?

This Flexi Home Financing-i 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 cash whenever you need extra money.

CIMB Islamic can provide up to 90% margin of financing for the purchase of your dream house, whether it is completed or under construction. Throw in another 5%, the Islamic bank will cover the cost of GMTP, Legal and Valuation Fee.

What's so unique about this Islamic home loan?

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. 

Moreover, you can earn profit from the remaining balance in your SMCA-i account via those extra cash you have topped up on top of your original instalment amount. That's not all, you can withdraw that extra money out of your Islamic current account for any kind of transactions.

What are my commitments with this mortgage?

You will need to pay your monthly instalment, which consists of the principal amount plus profit rate, which is calculated based on a variable rate. The downside of a floating rate is that your monthly instalment will be costly when there's an increase in the Islamic bank's base rate.

There is no monthly service fee charged to your home financing-i account so you can enjoy cost-savings.

Do I need insurance with this Home Loan?

Group Mortgage Takaful Plan 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 Takaful 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 aged 18 years and above.

What documents are needed when applying?

Salaried applicant:

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

Self-employed applicant:

  • Copy of NRIC
  • Latest Form B with tax payment receipt
  • Sales & Purchase Agreement / Booking receipt from developer
  • EA form / EPF statement (last 2 years)
  • Business registration A&D
  • Latest 6-months bank statement

Tell me more about CIMB InstaApproval!

With CIMB InstaApproval, it only takes 1-Minute to own your dream home. Approval will be given upon submission of complete documents with stable internet connection.

Application is simple and paperless as you only need to apply using your NRIC and Property Booking Form. The Letter of Offer can be printed on the spot!

Am I eligible to apply for CIMB InstaApproval?

As long as you are a salaried employee working in Malaysia with EPF contribution.

Do ensure that there isn't any form of misrepresentation on the information and documentation you've provided to avoid your home financing being withdrawn and/or cancelled.

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