CIMB HomeFlexi Smart-i

With 1-Minute CIMB InstaApproval and up to 90% margin of financing, along with flexibility to make prepayment and withdrawal perks - save more on profits and claim the property title quickly!

CIMB HomeFlexi Smart-i
Up to 35 years
Profit Rate
from 4.35% p.a.
Loan type
Flexi islamic financing
Interest Type
Floating profit rate
Margin of finance
up to 90%
Approval in
30 days

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
  • Salaried employee
  • Self-employed

Fees & Charges

Late Penalty Fee
1% p.a. p.a. of the outstanding amount
Withdrawal Fee
RM25 per transaction on any amount
Processing Fee
Early Settlement Fee
Redemption Letter Fee
RM50 per request
Letter for EPF Withdrawal Fee
RM20 per request
Insurance Types
  • GMTP

More Information

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
  • Latest 3-month payslips
  • Latest EA form / EPF statement (last 2 years)
  • Sale & Purchase Agreement / Booking form from developer

If you are self-employed:

  • Copy of NRIC
  • Sale & Purchase Agreement / Booking form from developer
  • Latest Form B with tax payment receipt
  • Latest 6-month bank statement
  • Business registration A&D

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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