• Interest Rate (p.a)


  • New Base Rate


  • Loan Type

    Flexi Loan

  • Lock in Period


Loan calculator
Loan amount


Loan Tenure (years)
Interest Rate (p.a)


Monthly Repayment


Whats so great about CIMB Islamic Home Loan?
  • Capped Rates to manage BR fluctuations
  • Stamp duty discounts
  • Best for loan amounts from RM500,000-RM600,000
  • CIMB InstaApproval - 1-Minute approval (Only for participating banks and developers).


Loan Tenure Up to 35 Years
Margin of Finance: 90% + 5% for MRTT financing with SunLife Malaysia Takaful
Suitable for: Completed & under-construction properties, refinancing

Product Review by iMoney

Is a CIMB Islamic Home Loan Right for Me?

CIMB Islamic Bank provides Shariah compliant property financing through its product like Variable Home Financing-i, Flexi Home Financing-i and Home Flexi Smart-I. It is based on the concept of Ijarah Muntahiyah Bittamik that offers the transfer of property ownership at the end of tenure by paying a nominal amount to the bank. To promote Islamic home financing, CIMB Islamic also offers stamp duty discounts for its products. A 20% remission applies for new home loans, while a full waiver is given to customers who refinance their homes from a conventional to Islamic product. CIMB Islamic has reinstated a zero lock-in period, down from 3 years lock-in previously. New CIMB Islamic customers will be able to refinance or sell their property without incurring the early settlement penalty. The margin of financing offered by CIMB Islamic Bank reaches up to 95% and maximum loan tenure is 35 years (in accordance to the latest ruling by Bank Negara Malaysia) or up to age 70, whichever comes first. A CIMB Islamic Home Loan calculator is prepared to allow you to calculate your monthly loan repayment. To get your monthly mortgage instalment, all you need to do is insert the loan amount and loan duration into the CIMB Islamic Home Loan calculator.

CIMB Islamic Home Loan Packages

The Sharia compliant home financing package Ijarah Property Financing-I is designed to cater to the needs of Islamic banking costumers. The main product features are highlighted in the table for your comparison.
Product Key Features Is this a flexi package?
Variable Home Financing-i
  • 100% stamp duty waiver for coversion from conventional loan
  • Affordable profit rates
  • Protection againts fluctuation of Base Rate with a ceiling profit rate
Flexi Home Financing-i
  • 100% stamp duty waiver for conversion from conventional loan
  • Earn return based on the balance amount in your Special Mudharabah Investment Account-i
  • No compounding of profit charges
Home Flexi Smart-i
  • Save on profit with the flexibility prepayment
  • 100% stamp duty waiver for conversion for conventional loan

Am I Eligible for a CIMB Islamic Home Loan?

All Malaysians and permanent residents above 18 years of age can apply for a CIMB Islamic home loan.

What Documents Will I Need to Prepare?

If you have applied for a CIMB Islamic Home Loan, you will be asked to provide some supporting documents in order for the bank to process your application. These documents are listed below: * Application Form * NRIC / Identity Card * Copy of Sales and Purchase or Booking Receipt or Letter of Offer from Developer * Copy of Individual Title Deed * Property Valuation Report (for completed properties) * Latest 3 consecutive months of salary slips / vouchers * Latest 6 consecutive months of commission statement * Latest EPF statements (with 3 consecutive months or more transaction history) * Latest EA form * Latest 6 months Bank Statement * Letter of Confirmation of Employment and Remuneration

Sounds Great! How Should I Proceed?

Home loan application through iMoney is free of charge. You can begin the process by using the CIMB Islamic home loan calculator to get an estimate of your monthly repayments based on your desired property value and loan amount. Once you have identified a suitable loan amount, you can apply through iMoney and our mortgage consultants will call you back. If you are not sure whether this home loan by CIMB Islamic Bank is your best option, click here to compare other home loans in Malaysia.

Is It Easy to Repay My CIMB Islamic Home Loan?

Apart from its extensive branch network, CIMB Islamic’s other convenient payment facilities make its home loans very convenient to repay. Online Transfer : Transfer funds from your CIMB Islamic Bank Savings or Checking accounts to make your payments online MEPS : Pay your loans at any of the MEPS ATMs (over 5,000) nationwide Interbank GIRO : Pay your loans through the Interbank GIRO fund transfer at the participating bank’s branch or through online banking Standing Instruction Facility : Automatic deduction from your bank account every month CIMB Islamic ATMs : Transfer funds from your CIMB Islamic Savings or Checking accounts to make your payment at all CIMB Islamic branches Express Payment machine : Make a check or cash deposit at CIMB Islamic branches Payment by Mail : Mail to CIMB Islamic with your check and statement enclosed in an envelope Phone Banking : Issue instructions to have your bank account deducted to pay for your home loan with your T-PIN
If you are looking for other home loans, you may also consider
OCBC Al-Amin Home Loan : The mortgage rate from OCBC Al-Amin starts from Base Rate (BR) 3.92%. There is available the option of a flexi loan package and a maximum of 90% margin of financing. The lock-in period for this mortgage is 3 years. MBSB Home Loan : MBSB provides a housing loan rate starting from BLR-1%. The option of a flexi loan package is not available for this loan and there is a maximum of 90% margin of financing. The lock-in period for the housing loan is 5 years. Kuwait Finance House Home Loan : At Kuwait Finance House, the home loan rate starts from Base Rate (BR) 2.96%. There is no option of a flexi loan package available for this loan and there is a maximum of 90% margin of financing. There is a 5 year lock-in period for this home loan.