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Property Financing

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.

No 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 Processing fee of RM200.00
4 HomeFlexi Smart-i / BizFlexi Smart-i / Residential Vacant Land Flexi Smart-i

Redraw fee of RM25.00** via OTC/Branch/Contact Centre and RM10.00** via CIMB Clicks

**per transaction regardless of the amount withdrawn
5 Redemption Statement  (Home Financing) RM50.00 per request
6 Letter of Confirmation for EPF withdrawal RM20.00 per request
7 Reproduction of statements

For period up to 1 year

Front page - RM10.00 

Additional page - RM2.00 

For period exceeding 1 year

Front page - RM30.00 

Additional page - RM2.00 
8 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
 
*Note: Imposition of Non Rebated Profit of RM40.00 as below: 

Non rebated profit of RM40.00 

A non-rebated profit of RM40.00 per month will be charged to your Facility account on the due date of the Monthly Instalment if the Flexibility Rate is less than 70% of the Outstanding Bank's Purchase Price at the end of the month, based on the formula below.

 

Flexibility Rate (%) = (Average Daily Balance for the month/Outstanding Bank's Purchase Price) X 100%

 

Average Daily Balance (RM) = (sum of daily Outstanding Bank's Purchase Price - sum of daily ledger balance of SMIA-i) / number of days in the month

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