Property Financing

BIZFLEXI SMART

Pay off your property loan quicker when you have the flexibility to make prepayments on your loan, so you can save on interest right from the start.

Benefits & Privileges

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Benefits & Privileges

Features

Attractive Packages

InstaApproval

Eligibility

Individuals aged 18 years and above

Requirements

Malaysian Applicants	Malaysian Applicants	Copy of NRIC Sale and Purchase Agreement or the developer’s booking form
Malaysian Applicants	Foreign Applicants -Regional Preferred/Private Banking (from the ASEAN countries where CIMB has a presence) -Local Preferred/Private Banking	Copy of Passport (minimum 6 months validity) or MyPR Sale and Purchase Agreement or the developer’s booking form
Income documents	Salary Applicants	Latest 3 months' salary slips Latest EPF statement or last 3 months' bank statements with credited salary
	Commission Applicants	Latest 6 months' commission statement Latest 6 months' bank statement with credited commission
	Self-Employed Applicants	Business registration Latest 6 months' business bank statements Latest Form B with tax payment receipt
Note: Foreigners and Malaysia Permanent Residents, without CIMB Regional Preferred or Private Banking relationship, may require to submit additional supporting documents upon request

Fees and Charges

Products / Items	Fees and Charges
HomeLoan / BizLoan / Variable Home Financing-i / Business Premises Financing-i / Term Financing-i / Vacant Land Financing	Processing fee: Not applicable
HomeFlexi / BizFlexi / Flexi Home Financing-i / Flexi Business Premises Financing-i	Set up fee of RM200.00 Monthly service charge of RM10.00 Monthly flexi charge / Non rebated profit of RM40.00
Flexi Vacant Land Financing	Monthly service charge of RM10.00 Monthly flexi charge of RM40.00
HomeFlexi Smart/ BizFlexi Smart / HomeFlexi Smart-i / BizFlexi Smart-i	Processing fee of RM200.00
HomeFlexi Smart / BizFlexi Smart/ Vacant Land Flexi Smart / 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fee of RM25.00 via OTC/Branch/Contact Centre and RM 10.00 via CIMB Clicks **per transaction regardless of the amount withdrawn
Secured OD	Commitment fee of 1% p.a. on the unutilised amount for OD facility of RM 250,000.00 and above
Special PR1MA End Financing (SPEF) Package	Processing fee of RM 200.00
Redemption Statement (Home loan / Home financing)	RM 50.00 per request
Letter of Confirmation for EPF withdrawal	RM 20.00 per request
Ring Fence Processing Fee for EPF withdrawal	RM 50.00 per request
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
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