CIMB

CIMB HomeFlexi Smart-i

With up to 90% margin of financing and flexibility to make prepayment and withdrawal, you can save more on profits and claim the property title quickly!

    • Up to 35 years
    • Full-Flexi Islamic financing
    • Floating Profit Rate
    • 0 years lock in period
    • Up to 90% margin of finance
    • 30 days approval
  • You BorrowEstimated Profit Rate
    up to RM2000005.35% p.a.
    RM200001 - 3500005.25% p.a.
    RM350001 - 5000005.05% p.a.
    more than RM5000014.95% p.a.

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

Apply online now for CIMB HomeFlexi Smart-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
Withdrawal Fee
RM26.50 for each withdrawal
Processing Fee
No Fee
Early Settlement Fee
No Fee
Redemption Letter Fee
RM53.00 per request
Letter for EPF Withdrawal Fee
RM21.20 per request
Insurance Types
  • GMTP

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

Requirements

Are you eligible for this CIMB home financing?

Minimum annual income
RM24000
Minimum age
18 years old
Maximum age
70 years old
Who can Apply
  • Malaysians
  • Permanent Residents
  • Salaried employee
  • Self-employed

Frequently Asked Questions about CIMB HomeFlexi Smart-i

Things you might want to know

What should I know about CIMB HomeFlexi Smart-i?

For Shariah-inclined consumers, this fully flexible home financing might be suitable for you. Offering variable and competitive profit rates, the facility can be used to finance completed and under construction house up to 90% of the property value for a maximum tenor of 35 years.

Why should I get this Islamic home financing?

For flexibility and cost-effective reasons. The home financing gives the opportunity to save on fees and charges from the start so that you can have more wiggle room for other expenses.

You can claim the ownership title of the house faster than you may think by making prepayment. Doing so will help offset the profit charged, as it is calculated on daily basis, subsequently reducing the outstanding principal loan amount.

Can I redraw extra cash for personal use?

Sure, at a small fixed fee on any amount you want to take out. The bank will not stop you from claiming your own money.

Do I need an insurance coverage?

It is not compulsory for you to insure your house, unlike car ownership. But would it be nice to have a financial safety net for your beneficiaries in case you have met with permanent disability, or worst of all, death?

Any other things I should know?

The profit rate of this facility is pegged to Islamic Base Rate, which subject to market movement. But you shouldn’t fret too much with sudden increase in reference rate as there is no compounding of profit charges due to the profit capping mechanism.

What documents do I need to prepare?

First, you need to have several property documents such as CIMB HomeFlexi Smart-i application form and Sale & Purchase Agreement or Booking Receipt from developer.

If you are an income earner:

  • Copy of NRIC
  • Copy of 3-month payslips
  • Latest EA form / EPF statement (last 2 years)

If you are self-employed:

  • Copy of NRIC
  • Copy of 3-month payslips
  • Latest EA form / EPF statement (last 2 years)
  • Last 3-month bank statement
  • Business registration A&D

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