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Apply Now!

Locate the nearest CIMB branch and submit your application.

Visit Our Branch

Why You Should Choose CIMB Secured Overdraft Facility

No

Liquidation Required

on existing investment

Enjoy

Flexible Repayment

No

Guarantor Needed

Benefits & Privileges

  • No Liquidation

    Increase investment return without liquidating your existing investment.

  • Financial Liquidity

    Manage your cash flow better with no minimum / fixed monthly repayment schedule.

  • More Savings

    Enjoy greater savings with interest charged only for the amount used.

  • No Guarantor

    You don’t need a guarantor as you will be pledging a collateral instead.

  • Acceptable Collaterals

    You can secured an overdraft with existing collaterals like Fixed Deposits, selected Structured Products / FRNID*, Unit Trust Funds*, or Amanah Saham Bumiputera Units.

     

    *Please refer to our Sales Representative for latest acceptable lisiting.

Eligibility & Requirements

Min. collateral value of RM10,000

  • Individuals aged 21 to 70 years old.
  • Malaysian or residents with PR status residing in Malaysia.
  • Owner of the collateral (free from any encumbrance).
  • Overdraft limit dependent on collateral pledged.

Product Disclosure Sheet

Secured Overdraft Facility

Remarks

Subject to eligibility and acceptable collaterals.

Fees & Charges 

CIMB Secured Overdraft Facility

Interest Rates

Interest is calculated daily based on Facility outstanding balance.

Facility

Overdraft Type

Interest Rates

CIMB Secured Overdraft 

Personal OD Secured by Fixed Deposit

 SBR + 2.10%

Personal OD Secured by Multiple Collateral

 SBR + 2.60%

Personal OD Secured by Amanah Saham Bumiputera

Required Documents 

Applicants are required to submit these compulsory documents:

  • Photocopy of NRIC

  • Collateral Documents (based on collateral to be pledged)

  • Income document:-

Salary Earners

Commission Earner

Self Employed

Multi National Company / Public Listed Company / Government Linked Company

  • Latest 1 month payslip OR
     

  • Latest 3 months payslip (variable income) OR
     

  • Latest EPF statement (minimum 6 months EPF record) 


Others

  • Latest 3 months payment voucher Latest 3 months payslip AND latest 3 months salary crediting bank statement OR
     

  • Latest EPF statement (minimum 6 months EPF record) 

  • Latest 6 months commission statement AND Commission crediting bank statement OR
     

  • Latest Form B and LHDN payment receipt

  • Latest 6 months company bank statement AND Business registration document OR
     

  • Latest Form B and LHDN payment receipt OR
     

  • Latest e-Form B and e-filing acknowledgement receipt

The Bank may require additional documents where deemed necessary.

Need More Information?

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Visit us at our branches nationwide

Call Us At

+603 6204 7788

(Available 24 hours)

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