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Make your dream home a reality with

when you apply for HomeFlexi Smart/-i. Enjoy lower monthly instalments compared to normal financing.

How it works

1ˢᵗ 5 years

Pay lower monthly instalments as compared to normal financing during the first 5 years

6ᵗʰ Year Onwards

Start paying full instalments from the 6th year onwards

Below table shows the monthly instalments for FlexiOwn vs Normal Monthly Instalments

Tenure Normal Payment FlexiOwn 5-Year Lower Payment
  Normal Monthly Instalment 1ˢᵗ 5 Years (Tier-1) monthly instalment 6ᵗʰ Year onwards (Tier-2) monthly instalment
20 RM3,177 RM2,859 RM3,341
25 RM2,794 RM2,515 RM2,913
30 RM2,549 RM2,294 RM2,644
35 RM2,382 RM2,144 RM2,464

With FlexiOwn, monthly instalment for the 1st 5 years is reduced by up to 10%. The illustration is calculated based on a RM500,000 mortgage over different payment schemes at SBR + 1.55%, where SBR as at 9 May 2023 is 3.00% p.a.


Please note that the results from this calculation are for illustration purposes and are indicative only. The results are subject to CIMB's approval.

Terms and conditions apply.

How to be eligible

  • Only applicable when you apply for HomeFlexi Smart/-i
  • For completed residential and under construction residential properties.
  • Up to RM1.5 million property value 

Why wait?

With FlexiOwn, enjoy lower monthly instalments for the first 5 years. This gives you the freedom to pick the house that you want, and ultimately enables you to own the home of your dreams.