• Personal Loan BYTES FROM OUR KITCHEN

    CIMB Personal Loan Promotion

    You can get an HD Camera when you apply for the CIMB Cash Plus Personal Loan. You can get the gift when you satisfy the eligibility specified by the bank.

    Campaign Period

    The campaign has begun on 1 February 2018 and you can take advantage of the promotion until 28 February 2018.

    Eligibility

    The eligibility criteria to get the benefits of the promotion are listed below:

    • Nationality: Malaysian citizens
    • Age: Minimum age is 21 years
    • Minimum Income: RM2,000 per month for basic and fixed income earners only
    • Experience:
      • Must be employed since more than 6 months in the organisation
      • If self-employed, you must be running the business for more than 24 months

    Campaign Mechanics

    Eligible participant(s) can get an HD Action Camera delivered to their corresponding address via registered mail. The gift will be delivered within eight to 10 weeks from the end date of the promotion.

    General Terms & Conditions

    The general terms and conditions of the campaign are:

    • You have to apply for the loan through the bank’s website or ATM machine only.
    • The loan must be approved and disbursed completely to the applicant’s CASA within the campaign period to get the benefits of the promotion.
    • When you apply through ATM, the loan amount disbursed in full must not be less than RM7,000.
    • You cannot ask the bank to deliver the gift to a third-party address.
    • The bank reserves the right to change the gift with another item of the same cost by providing a prior notice of 14 days.

    How to Apply

    You can apply for a personal loan during the campaign period in two modes:

    1. CIMB Bank’s Website: On the bank’s website, you must fill the necessary details about yourself and the loan. The website then prompts you to review all the information you have entered. If there are any mistakes, you can correct them.
    2. In the next step, you have to upload the filled application form. You also must upload all the necessary documents on the website. You can then submit your personal loan application to the bank. The bank will then contact you to notify you if the loan has been approved and clarify the other details.

    3. CIMB Bank’s ATM: To apply for the Cash Plus Personal Loan, select ‘Yes, please contact me’ at the ATM. The bank’s telemarketing consultant will contact you to complete the application submission process.

    FAQs

    Q. What is the maximum loan amount I can borrow?

    A. Based on your income, you can borrow up to RM100,000 from the bank.

    Q. Can I upload the supporting documents at a later time but still submit my loan application?

    A. No. You have to upload all the necessary documents at the time of application submission. If you submit later or choose the option to submit the documents via email, you will not be eligible to get the perks of the campaign.

    Q. I am a permanent employee of CIMB Bank. Can I get the benefit of the promotion?

    A. No. Any permanent or temporary employee of CIMB Bank or its subsidiaries are not eligible to get the benefit of the promotion. The immediate family members of such employees are also not eligible.

    Q. What are the deductions I can expect on the loan amount?

    A. The bank assures to disburse 100% loan amount without any additional charges.

    Q. What is the interest rate levied on the personal loan?

    A. The interest rate depends on the loan amount and your occupation. Please refer the table below for details:

    Occupation Loan Amount Effective Lending Rate (% p.a.) Fixed Rate (% p.a.)
    Self-Employed RM2,000-RM100,000 24 14.66
    Salaried Employee RM2,000-RM20,000 24 14.66
    Salaried Employee RM20,000-RM50,000 18.62 10.88
    Salaried Employee RM50,000-RM100,000 14.50 8.20
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