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Buy properties
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| If you are a first-time home buyer, looking to upgrade your current home, an investor or an expatriate seeking to make Malaysia your second home, you need to look for an home financing package which will suit you best. Choosing the right instalment package is important as it ensures you that an investment is well managed. Whether your income is regular, flexible or looking for the extra funds from your home financing package, we have various financing packages tailored to different individual needs.If you’re a first-time homebuyer, you might prefer a low initial repayment, which is helpful if you’re still young and your earning power has not picked up pace. If you’re upgrading your current home, or buying property as an investment, you might like the pay half feature. This lets you service half the principal for the duration of the tenure and pay the other half in a lump sum at the end of the tenure. Compare the different options available. Making the right choice is important because when you have a suitable package, you’ll be able to manage your finances more effectively. |
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| Why This Product? |
| An Islamic home financing package that lets you opt for : | | • | Fixed rate financing for 3 years, 5 years, 10 years or 20 years. Fixed rate package will safeguard you from profit rate fluctuations. | | • | Variable rate financing based on the movement of the Base Financing Rate (BFR) capped at an agreed ceiling rate. | | • | Enjoy combination of fixed and variable rate for maximum fixed rate of 3 years, 5 years and 10 years. | | • | For CIMB Prime Plan customer, enjoy the following benefits: | | | • Earn 0.1 Bonus Point for every RM1 financing | | | • Re-pricing option every 3 years or lapse of lock-in period, whichever is later at prevailing board rate | | | • Preferential rates | | | Please click here for more information on CIMB Prime Plan. |
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| • | Financing account which is linked to your Mudharabah Current Account-i (Flexi Financing) which lets you enjoy lower profit charges on your home financing and at the same time earn monthly profit. | | • | For CIMB Prime Plan customer, enjoy the following benefits: | | | • Earn 0.1 Bonus Point for every RM1 financing | | | • Re-pricing option every 3 years or lapse of lock-in period, whichever is later at prevailing board rate | | | • Preferential rates | | | Please click here for more information on CIMB Prime Plan. |
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With Variable Rate financing, the amount of your monthly payments will fluctuate based on the movement of the BFR. You are also protected by the Capping Rate in the event of higher profit rate. |
Gives you the flexibility to pay your monthly instalment with a withdrawal facility on your current account. You are also protected by the Capping Rate in the event of higher profit rate. |
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| Type of Property |
All types of residential property |
All types of residential property |
All types of commercial and industrial buildings |
All types of commercial and industrial buildings |
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| Margin of Financing |
Up to 95% |
Up to 95% |
Up to 90% |
Up to 90% |
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Low Initial Package
(Pay Profit only during first 3 years) |
No |
No |
No |
No |
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Pay Half Package
(50% during tenure remaining at the end) |
No |
No |
No |
No |
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| Non Malaysian Citizen |
Yes |
Yes |
No |
No |
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| Malaysia My 2nd Home Program |
Yes |
Yes |
No |
No |
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| Minimum Financing Amount |
Non-FMC: RM 15,000 |
Non-FMC: RM15,000 |
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| Processing Fees Waived |
Yes |
Yes |
Yes |
Yes |
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For Assistance |
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Current Account-i
