CIMB HomeFlexi

    Enjoy the flexibility to make additional payments, whenever you want, with the HomeFlexi loan from CIMB Bank. Apply for CIMB HomeFlexi loan and make extra payments to clear your loan quickly. You can withdraw the advance payments if required. The process to get this loan is quite simple and hassle-free.

    Margin of Financing Up to 90%
    Type of Financing Flexi
    Loan Tenure Up to 35 years or 70 years of age ( whichever is earlier)
    Interest Rate Base Rate + 1.05% p.a to Base Rate + 1.45% p.a. (depending on the 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 a high margin of financing of up to 90% for your property.
    • Enjoy a flexible and long tenure for your loan up to maximum 35 years.
    • Get financing for Group Mortgage Term Assurance (GMTA).
    • Enjoy the flexibility of withdrawal and repayment.

    Fees and Charges

    Set-Up Fee RM200
    Monthly Service Charge RM10
    Monthly Flexi Charge RM40
    Secured OD 1% p.a. on the amount which is not utilised for OD facility of RM250,000 and more
    Stamp Duty
    • Letter offer: RM10
    • Principal document: RM5.00 (every RM1,000)
    • Standing instruction: RM10
    • Security document: RM10
    Letter of Confirmation for EPF Withdrawal RM20 per withdrawal request
    Late Payment Charges 1% p.a. of the outstanding amount


    Age Requirement 18 years and above

    Required Documents

    Application type Documents Required
    Salaried Professionals
    • 1 NRIC copy
    • Payslip (latest 3 months)
    • Bank statement (latest 3 months, showing salary crediting), or latest EPF statement
    • Sale and Purchase Agreement or Booking form from the developer
    Self-employed Professionals
    • 1 NRIC copy
    • Business registration form
    • Bank statement (latest 6 months)
    • Latest Form B with tax payment receipt
    • Sale and Purchase Agreement or Booking form from the developer

    How to Apply

    Online Application
    • Visit the bank’s official website
    • Go to the specific loan product page
    • Click on ‘Let us call you’
    • Complete the enquiry form and submit it
    • A bank representative will get in touch with you as soon as they receive your details
    Offline Application
    • Go to the nearest CIMB Bank branch
    • Request for an application form for the product of your choice
    • Fill out the application form
    • Submit the mandatory documents along with the duly-filled form

    With CIMB HomeFlexi, you have the flexibility of paying and withdrawing additional payments. Whenever you make an additional payment, it will be used to pay off the principal loan amount. You can enjoy this loan up to 35 years, and also get an additional GMTA cover.


    Q. What is the base rate?

    A. Base rate is the rate at which banks in Malaysia can determine the rate of interest. For CIMB Bank, the base rate is currently at 4.15% p.a.

    Q. My house is under construction. Will I be able to apply for the CIMB HomeFlexi loan?

    A. Yes. The loan is available for both completed properties, and properties under construction.

    Q. Will I be charged any commitment fees?

    A. No. You don't have to pay any commitment fees.

    Q. Do I get any special benefits as a CIMB Prime Banking customer applying for the loan facility?

    A. Yes. As a CIMB Prime Banking customer, you will get the following benefits:

    • You will be given a re-pricing offer every 3 years or a lapse of lock-in-period, whichever is later at the prevailing board rate.
    • Earn 0.1 Bonus Point for every RM1 financing.

    Q. Will I get financing for legal and valuation charges?

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

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