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MY - EN

Why You Should Choose CIMB Wealth Financing

Attractive

Interest Rate

Enjoy

Flexible Financing

Maximize

Potential Return

Benefits & Privileges

  • Attractive Interest Rate

    Enjoy low interest rate to invest in potentially higher return investments with flexible repayment.

  • Maximize Potential Return

    Take advantage of market opportunities and increase your investment power.

  • Lower Capital Outlay

    Leverage a wide range of assets held with the Bank as collateral to achieve your financial goals without additional capital expenditure.

  • Money Flexibility

    Increase liquidity by unlocking the value of your long-tenor assets without selling, by securing against your financial assets with CIMB.

  • Various Acceptable Collaterals

    Secure funds with your CIMB’s selected deposit, structured products and unit trust funds.

Eligibility & Requirements

CIMB Preferred Customer

  • Individuals aged 21 to 70 years old.
  • Malaysian or residents with PR status residing in Malaysia.
  • Owner of the collateral (free from any encumbrance).
  • Minimum collateral of RM10,000.
  • Financing limit dependent on collateral pledged.

Product Disclosure Sheet

Secured Overdraft Facility

Remarks

Subject to eligibility and acceptable collaterals.

Interest Rates

Interest is calculated daily based on Facility outstanding balance.

Facility

Overdraft Type

Interest Rates

CIMB Secured Overdraft - Wealth Financing

Secured Overdraft Facility Against Multiple Collateral - Wealth Financing

 

SBR + 1.25%

 

Fees & Charges

Products / Item

Charges

Stamp Duty

As per Stamp Act 1949 (revised 1989)

Excess Interest

SBR + 7.35% or minimum of RM5.00 will be charged on any amount in excess of your Facility Limit

Commitment Fee

Waived

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

Need More Information?

Customer Help Centre

Find resources to solve simple issues you may face

Email Us

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Visit us at our branches nationwide

Call Us At

+603 6204 7788

(Available 24 hours)

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