CIMB HomeFlexi

Feeling flexible? Combines your home loan with a checking account for easy access to mortgage payments, cash withdrawal and fast 1-Minute CIMB InstaApproval. Plus, cheque book is also provided!

CIMB HomeFlexi
Up to 35 years
Interest Rate
from 4.45% 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 RM349,9994.65% p.a.
more than RM350,0004.45% 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
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
  • GMTA

More Information

What is CIMB HomeFlexi?

HomeFlexi from CIMB is an easy to understand flexible home loan that lets you pay extra money onto your mortgage when you can afford it, and withdraw excess cash from the loan direct to your current account whenever you need it.

CIMB will be able to finance up to 90% of the value of your property, with the option to add 5% that will go towards legal fees, valuation fees, and GMTA.

HomeFlexi covers properties which are completed and under construction. You only have to service the interest rate for properties which are under construction, another useful feature for the budding property tycoon.

What are my commitments with this mortgage?

Your commitment is your monthly repayment. This is calculated from the difference between the loan amount and the balance of your linked current account; that's a calculation that can result in significant savings on interest if you maintain a healthy balance in your day to day banking account.

By the end of the home loan term you will have paid the principal amount of the loan plus all the interest. The more you pay on top of your minimum monthly payment, the less your interest payments will be for the next month.

Do I need insurance with this Home Loan?

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

What are the risks associated with this loan?

The interest rate on CIMB's HomeFlexi is pegged against the bank's Base Rate (BR), which means an increase in interest rate may result in higher monthly repayment. 

If you have problems meeting your loan obligation, feel free to contact CIMB to discuss payment alternatives. Always talk to the bank if you have trouble making your mortgage payments, they'll be happy to hear from you and usually pleased to help.

Why should I choose the CIMB HomeFlexi?

A good way to gauge this would be to see what kind of income you are earning. The HomeFlexi offers benefits to someone who does not earn a regular wage and has extra cash lying around.

If you can make spare cash work for you in reducing mortgage interest you can save a fortune. You won't see it immediately but depositing excess amounts into your linked current account will lower interest rate charges on your home loan by a significant amount!

Lastly, if you are CIMB Prime Banking customers, you get to collect 0.1 reward point on every RM1 financing, enjoy re-pricing option every 3 years or even preferential rate on home loan and other CIMB products.

Who can apply for this loan?

Malaysians and permanent residents aged 18 years and above.

What documents are needed when applying?

Salaried employee:

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


  • NRIC photocopy
  • Latest 3-months salary slip
  • Sales & Purchase Agreement / Booking receipt from developer
  • Latest Form B with tax payment receipt
  • 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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