CIMB Pembiayaan Peribadi Sektor Awam-i

An Islamic personal loan exclusively for Government Employees.

    • Financing up to RM200k
    • Up to 10 years tenure
    • Unsecured Islamic Financing
    • Takaful insurance required
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Profit rate p.a.: -%

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Profit rates

How much the bank charges you based on your financing amount & financing period

Financing ValueFinancing PeriodYour IncomeProfit Rate
RM1000 - RM20000012 to 120 monthsmin. RM180005.55% p.a.
RM1000 - RM20000012 to 120 monthsmin. RM360005.25% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
from 5.25% p.a. to 5.55% p.a. , depending on financing amount and period
Processing Fee
Stamp Duty
0.5% of the whole amount
Mode of Payment
You must pay your financing installment by salary deduction.
You must take takaful insurance with this financing.


Are you eligible for this personal financing?

Minimum annual income
Minimum age
18 years old
Maximum age
59 years old
Who can Apply
  • Any nationality
  • Government employee

Frequently Asked Questions about CIMB Pembiayaan Peribadi Sektor Awam-i

Things you might want to know

How to apply for a CIMB Pembiayaan Peribadi Sektor Awami-i personal loan

Who is eligible for this personal loan?

Only Government employees and employees of Government Linked Companies may apply for this personal loan.

How much money can I borrow?

The CIMB Pembiayaan Peribadi Sektor Awami-i personal loan offers borrowing between RM1,000 and RM200,000 for repayment terms between six months and twenty years.

How much does CIMB Pembiayaan Peribadi Sektor Awami-i cost?

This personal loan product does not contain any processing fees or hidden charges. You will be required to pay Government Stamp Duty, which is calculated at 0.50% of the total amount you borrow.

You may also be required to take Takaful insurance cover for the period of your loan.

What do I need to apply for this personal loan?

CIMB Pembiayaan Peribadi Sektor Awami-i is an unsecured personal loan so you will not need to provide a down payment or signup a guarantor. In order to make an application you may be asked to provide supporting documents:

  • Copy of MyKad (front and back).
  • Last three month’s payment slip or EPF statement.
  • Photocopy of account passbook/ statement where monthly salary is credited

How do I get my hands on the money?

CIMB will process your application within a few business days. As soon as your loan is approved the money you are borrowing will be transferred into a CIMB bank account.

How do I pay the money back?

Loan repayments begin on the first day of the month following the date you received the money you’ve borrowed. Payments need to be made every month until the total amount of the loan is repaid.

CIMB states that repayments must be made via salary deductions through Biro Angkasa.

Can I pay my CIMB Sektor Awami-i loan off early?

Definitely. If you find you have the spare funds to pay off your loan before its term has ended you can go right ahead and finish before time. There are no penalty fees for early repayment and you should receive an Ibra’ (rebate) on the Interest charged for the total loan should the remaining period be six months or more.

Is the CIMB Pembiayaan Peribadi Sektor Awami-i Syariah compliant?

Yes, the facility is based on CIMB’s Syariah standards.

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