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Personal Banking > Property Financing > Refinance Properties

Refinance Properties
Some people refinance their houses because it could mean substantial savings in the long run. Refinancing lets you take advantage of current financing features, which can be more attractive than the terms of your original financing plan. For instance, lower rates could mean lower instalments and more money saved. Or, the value of your house might have gone up, and by refinancing you can actually get additional cash. If you’ve been thinking of renovating your house, taking up a new business venture, or capitalising on an investment opportunity, refinancing can help to meet your changing needs.

Our Popular Product(s)

Home Financing-i

Flexi Home Financing-i

Business Premises Financing-i

Flexi Business Premises Financing-i

Ijarah Property Financing-i (for Home)

Ijarah Property Financing-i (for Business)

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.

•	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.

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.

Type of Property

All types of residential property

All types of commercial and industrial buildings

Low Initial Package
(Pay Profit only during first 3 years)

Pay Half Package
(50% during tenure remaining at the end)

Zero Moving Cost

Free Up Equity
(Get additional cash)

Yes