CIMB HomeLoan

A conventional term housing loan with fast 1-Minute CIMB InstaApproval, no processing fees and overdraft option so you can withdraw excess cash whenever there's an emergency.

CIMB HomeLoan
Up to 35 years
Interest Rate
from 4.35% p.a.
Loan type
Term 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
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 the CIMB Home Loan?

The CIMB HomeLoan is a conventional term loan with floating interest rate, which is pegged to the bank's BR movement. You have the option to link your mortgage to an overdraft, which means you can withdraw excess funds from your home loan account.

CIMB will finance up to 90% of the value of a property, with an option to add 5% for the financing of zero moving cost, which includes legal fees, valuation fees, and GMTA. On that note, your effective lending rate and margin of financing will be subject to your credit worthiness.

This CIMB home loan package covers properties which are completed as well as those that are under construction.

What are my commitments?

Basically, your fixed monthly mortgage repayment is your major commitment, which consists of the principal amount of the loan plus the interest charges. Please note that total repayment amount may vary if the bank rate changes.

To service your monthly instalment, you can do so via cash, cheque, and even online via fund transfer from your CIMB Bank Savings or Checking accounts.

Do I need to sign-up for insurance?

Group Mortgage Term Assurance (GMTA) is optional but highly recommend as it will cover the remaining instalment payments in the event you have come into contact with illness, injury, accident, and loss of income.

Can I use CIMB HomeLoan to refinance home loan?

If you wish to lower your monthly instalment payment and have extra cash in hand to meet your financial needs at the moment, you can refinance your house with CIMB HomeLoan at competitive refinance rate.

Why should I choose CIMB Home Loan?

There are quite a few additional perks you'll get from CIMB HomeLoan that you won't be getting with just any other bank mortgage:

  • This loan is great for someone who has a fixed income and is comfortable enough paying a fixed installment every month.
  • The overdraft facility can really help those people who want the convenience of extra funds on hand, especially for emergencies.
  • The fees charged with this mortgage are low, no processing fee and no fixed monthly fee.
  • Earn 0.1 Bonus Point for every RM1 of borrowings plus preferential interest rates for CIMB Prime Banking customers.

Who can apply for this mortgage?

Malaysians and permanent residents aged 18 years and above.

What documents do I need when I apply for this home loan?

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 Form B with tax payment receipt
  • Sales & Purchase Agreement/ Booking receipt from developer
  • 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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