• My First Home Scheme

High margin of financing

Up to 100% + 5% (GMRTT/ Legal/Valuation fees)


No processing fee

Financing tenure

Enjoy financing tenure up to 35 years but customer’s age should not exceed 65 years at the end of financing period


Type of properties

Completed or under construction residential properties


Additional Features

  • No compounding of profit charges
  • With a ceiling profit rate to protect against fluctuation of Base Rate (BR)
  • Group Mortgage Reducing Term Takaful (GMRTT)  can be financed


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 to 40 years only
  • Malaysian citizen only
  • First time home buyer only
  • Single customer gross income not exceeding RM5,000/month
  • Joint obligors gross household income not exceeding RM10,000/month (based on gross maximum income of RM5,000/month per obligor)
  • Payment amount must not be more than 1/3 of monthly income
  • Business owners/directors/partners/sole-proprietorship are not allowed
  • Property value from RM100,000 - RM500,000


Salaried Applicant:

  • Identification Card
  • Latest income tax return (EA Form)
  • Bank book/ statements showing salary income for the last 3 months
  • A recent salary payroll slip with the employer’s name and evidence of salary credited into a bank account
  • An employer’s letter (on company letterhead or bearing company chop) confirming job title an income details
  • Sale and Purchase Agreement

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 / 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**per transaction regardless of the amount withdrawn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