CIMB HomeFlexi Smart

Take ownership of your dream house with fast 1-Minute CIMB InstaApproval! Enjoy flexibility of repayment, withdrawal of excess cash, no fee for setting up and processing of this home loan!

CIMB HomeFlexi Smart
Up to 35 years
Interest Rate
from 4.35% p.a.
Loan type
Flexi loan
Interest Type
Floating interest rate
Margin of finance
up to 90%
Approval in
30 days

Interest Rate

The interest paid based on the home loan amount borrowed

You borrowEstimated Interest Rate
up to RM349,9994.55% p.a.
more than RM350,0004.35% p.a.
*Effective interest 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

More Information

What is CIMB HomeFlexi Smart about?

It is a fully flexible housing loan offering variable and competitive interest rates that you can borrow for up to 35 years. The loan is available for completed and under construction residential property and the bank can finance up to 90% of the property value.

How smart is this home loan?

If you love flexibility and live by it, then you’ll get the big picture. The facility allows for you to make prepayment, i.e. settling your loan amount partially or fully ahead of maturity, to save on interest. You will amortize the outstanding principal loan amount faster than you think as the more you pay, the lesser your interest will be charged on the remaining balance.

CIMB is going also extra miles by waiving several costs such as processing fee, set up fee, maintenance fee and commitment fee so that you can save more!

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?

While it is not legally binding like car insurance, but having one is advisable – better safe than sorry they say.

I’m CIMB Prime Banking customer, do I get any benefits?

You will get special treats such as preferential rates, bonus points and options for repricing or having a gap of lock-in period.

What documents do I need to prepare?

First, you need to have several property documents such as CIMB HomeFlexi Smart 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
  • Latest Form B with tax payment receipt
  • Sale & Purchase Agreement / Booking form from developer
  • 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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