CIMB HomeFlexi Smart

    HomeFlexi Smart loan facility is ideal for those who want to pay off their loan as quickly as possible. This product comes with the facility of prepaying your property loan. This will not only help you save interest on your advance payments, it will also will reduce your loan tenure.

    Margin of Financing Up to 90%
    Type of Financing Flexi
    Loan Tenure 70 years of age or up to 35 years, whichever is earlier
    Interest Rate Base Rate + 1.05% p.a. to Base Rate + 1.45% p.a. (depending on your loan amount)

    Note: Base Rate is 4.15% p.a., as specified on the CIMB website, effective from 2 February 2018.

    Features and Benefits

    • Get up to 90% of financing for your property.
    • Get financing for Group Mortgage Term Assurance (GMTA).
    • Enjoy loan tenure up to a maximum of 35 years or 70 years of age.
    • Withdraw your advance payment at any time.
    • Do not pay any set-up or maintenance fees on this loan.

    Fees and Charges

    Secured OD 1% p.a. on the unutilised amount, only for the overdraft facility of RM250,000 and more
    Stamp Duty
    • Letter offer: RM10
    • Security document: RM10
    • Principal document: RM5 for every RM1,000
    • Standing instruction: RM10
    EPF Withdrawal RM20 per withdrawal request
    Late Payment Charges 1% of the outstanding arrears
    Redraw Fee RM25 per withdrawal request


    Age Requirement 18 years and above

    Required Documents

    Application Type Documents Required
    Salaried Professionals
    • 1 NRIC photocopy
    • Latest salary slip (3 months)
    • Latest EPF Statement or latest 3 months' bank statement showing salary credit
    • Booking form or the Sale & Purchase Agreement
    Self-employed Professionals
    • 1 NRIC photocopy
    • Latest business bank statements (6 months)
    • Latest Form B along with the tax payment receipt
    • Booking form or the Sale & Purchase Agreement
    • Business registration form

    How to Apply

    Online Application
    • Visit the official website
    • Go to the specific product page
    • Click on ‘Let us call you’
    • Fill up the contact form with your details
    • A bank representative will get back to you as soon as possible
    Offline Application
    • Visit the nearest CIMB branch
    • Request for the specific product’s application form
    • Fill up the form
    • Submit the mandatory documents
    • Get your loan approved instantly

    CIMB HomeFlexi Smart offers a high margin of financing of up to 90%, and gives you the flexibility to withdraw the prepaid amount easily. You can also save on interest charges when you prepay your loan. The loan application and approval process is simple, fast, and efficient.


    Q. How much financing can I get for Group Mortgage Term Assurance (GMTA)?

    A. You can get up to 5% financing for GMTA/Legal/Valuation.

    Q. Do I have to pay any maintenance fees when I apply for the loan?

    A. N. You won’t be charged any maintenance fees.

    Q. Can I apply for this loan if my property is under construction?

    A. Yes. You can apply for this loan for both residential properties under construction, and completed residential properties.

    Q. Can I prepay my loan amount via CIMB Clicks?

    A. Yes. You can pay via CIMB Clicks, as well as through any CIMB Contact Centre or a local CIMB branches.

    Q. How long does the loan approval process take?

    A. Your loan will be approved in just one minute, provided you submit all the mandatory documents.

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