CIMB My First Home Scheme

Stop daydreaming about owning a home! Apply for a CIMB housing loan with high financing, no processing fees, and zero downpayments for young adults.

    • Up to 35 years
    • Term loan
    • Floating Interest Rate
    • 3 years lock in period
    • Up to 100% margin of finance
  • You BorrowEstimated Interest Rate
    RM100000 - 1999995.35% p.a.
    RM200000 - 3499995.25% p.a.
    RM350000 - 5000005.05% p.a.

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

Apply online now for CIMB My First Home Scheme

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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
Processing Fee
No Fee
Early Settlement Fee
Subject to terms of agreement with bank
Redemption Letter Fee
RM53.00 per request
Letter for EPF Withdrawal Fee
RM21.20 per request

*inclusive of 6% GST


Are you eligible for this CIMB home loan?

Minimum annual income
Minimum age
18 years old
Maximum age
40 years old
Who can Apply
  • Malaysians

Frequently Asked Questions about CIMB My First Home Scheme

Things you might want to know

How does CIMB My First Home Scheme work?

The My First Home Scheme, or also known as Skim Rumah Pertamaku (SRP) is a goverment initiative to help young adults to apply for a housing loan without struggling to pay the bills at the end of the month with 100% financing, zero processing fees, and long repayment terms of up to 35 years. CIMB offers both conventional and Islamic mortgage loan for young adults on buying their first home.

Can I buy a house that is still under construction with this CIMB housing loan?

Yes, without a doubt! Both completed or under construction residential properties are allowed for CIMB Skim Rumah Pertamaku programme.

How I do meet the loan requirements?

You need to be aged between 18 and 35 years old to qualify for this home loan, provided you are a first-time home buyer earning less than RM5,000 per month. If you would like to have a joint applicant with your spouse, the combined gross income should be less than RM10,000 per month in which the monthly income of each applicant is not more than RM5000.

The house must be owner-occupied, that means you cannot apply for this housing loan if you intent to rent out your new home as an investment. Self-employed persons are not allowed to apply CIMB My First Home Scheme even if the income is not more than RM5,000 per month.

How much money can I borrow?

You can borrow between RM100,000 and RM500,000, depending on your monthly salary. Meanwhile, the loan tenure is up to 35 years, subjected to your age is not exceed 65 years at the end of your financing period. Your repayment amount must not be more than one third of your monthly income.

What are the fees and charges?

Great news! There's no processing fee on this home loan. However, you have to pay early settlement charges and late repayment penalty depending on the agreed terms with CIMB. The calculation of charges will be stated on your mortgage loan agreement.

What documents do I need to apply for this CIMB home loan?

You will need the supporting documents listed below:

  • Identification Card
  • Latest EA form
  • Latest 3 months bank statements
  • A recent salary slip with employer's name and evidence of salary credited into your bank account
  • An employment letter with job title and income details
  • Sales and purchase agreement

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