• HomeFlexi Smart-i

Type of properties

For completed and under construction residential properties

Save on profit with prepayment

Save on profit when you make prepayment which reduces the outstanding principal financing amount.

Group Mortgage Reducing Term Takaful (GMRTT) can be financed

High margin of financing

Up to 90% + 5% (GMRTT / Legal / Valuation)


Flexibility of withdrawal

Withdraw prepayment at anytime at an affordable fee.

Save on stamp duty cost

100% stamp duty waiver for conversion from conventional loan.

Payment and withdrawal convenience

Make prepayment and withdrawal via  CIMB Clicks, Contact Centre or any CIMB Islamic Bank branches co-located at CIMB Bank branches nationwide

Financing tenure

Up to 35 years, or 70 years of age, whichever is earlier

No processing / set up / maintenance fee

Enjoy more affordability.

Additional Features

  • No compounding of profit charges
  • With a ceiling profit rate to protect against fluctuation of Base Rate (BR) 

Monthly Installment Calculator

Choose the duration to find out the corresponding rates per annum.

Financing Amount (RM)

Financing Period (Years)

Profit Rate (%)

Total Amount Payable
RM 0


  • Individuals aged 18 years and above


Salaried Applicant:

  • NRIC photocopy
  • Latest 3 months' salary slip
  • Latest EPF statement / Latest 3 months bank statements showing salary crediting
  • Sale & Purchase Agreement / Booking form from developer


Self-Employed Applicant:

  • NRIC photocopy
  • Business registration
  • Latest 6 months business bank statements
  • Latest Form B with tax payment receipt
  • Sale & Purchase Agreement / Booking form from developer

Service Tax Implementation 
Taxes on products and services (including but not limited to service tax, indirect taxes or withholding taxes), where applicable, as may be imposed by the Government of Malaysia and any taxes payable in connection with or arising out of facility financing/account will be payable.

  Products / Items Fees & Charges
1 Variable Home Financing-i  / Business Premises Financing-i / Term Financing-i Processing fee: Not applicable
2 Flexi Home Financing-i / Flexi Business Premises Financing-i

Set up fee of RM200.00 

Monthly service charge of RM10.00 

Non rebated profit of RM40.00

3 HomeFlexi Smart-i / BizFlexi Smart-i / Residential Vacant Land Flexi Smart-i

Redraw fee of RM25.00** via OTC/Branch/Contact Centre and RM 10.00** via CIMB Clicks

**per transaction regardless of the amount withdrawn

4 Special PR1MA End Financing (SPEF) Package Processing fee of RM 200.00 
5 Redemption Statement  (Home Financing) RM 50.00 per request
6 Letter of Confirmation for EPF withdrawal RM 20.00 per request
7 Ring Fence Processing Fee for EPF withdrawal  RM 50.00 per request
8 Reproduction of statements

For period up to 1 year

Front page - RM 10.00 

Additional page - RM 2.00 

For period exceeding 1 year

Front page - RM  30.00 

Additional page - RM 2.00 

9 Stamp Duties 

As per Stamp Duty Act 1949 (Revised 1989)

i)Letter Offer               : RM10.00

ii)Principal Document   :  RM5.00 for every RM1,000.00

iii)Security Document     : RM10.00

iv)Standing Instruction   : RM10.00

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