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A Combination of

Financing Account and a SMIA-i Account

Balance in the SMIA-i Account

Will Be Used to Reduce Your Financing Profit

and also earn you profit

The More You Save

The Sooner Your Financing Will Be Settled

Benefits & Privileges

  • Whatever You Deposit is Whatever You Will Save on Your Financing Profit

    CIMB fully recognizes 100% of your amount in SMIA-i account deposit balance to help reduce your daily financing profit. There is no cap on your profit savings.

  • Full Flexibility at Your Convenience

    Flexibility to deposit, withdraw, transfer funds and check financing details through our CIMB Octo App.

  • Competitive Rate

    Enjoy attractive profit rate with our business premises financing package.

  • Financing Quantum

    Minimum financing amount of RM150,000.

  • Margin of Financing

    High margin of financing of up to 90% inclusive of MRTT / Legal fee / Valuation. (Maximum cap for MRTT / Legal / Valuation fee at 5%)

  • Tenure

    Financing up to 30 years (minimum 5 years) or age 70, whichever is.

  • Purpose & Type of Properties

    For purchase and refinancing of completed and under-construction commercial & industrial properties for individual customers.

  • Group Mortgage Term Takaful (MRTT)

    Takaful coverage for your commercial & industrial properties financing based on reducing  term should unexpected events happen to you. We provide financing up to 5% of the property value.

Eligibility & Requirements

Individuals aged 18 years and above

Fees & Charges 

For full list of Fees & Charges, click here.

Required Documents 

Identification document and proof of purchase Malaysian Applicants
  • Copy of NRIC
  • Sale and Purchase Agreement or the developer’s booking form

Foreign Applicants (Not applicable for Vacant Land Products)

● Regional Preferred/Private Banking (from the ASEAN countries where CIMB has a presence)

● Local Preferred/Private Banking

  • Copy of Passport (minimum 6 months validity) or MyPR
  • Sale and Purchase Agreement or the developer’s booking form
Income documents Salary Applicants
  • Latest 3 months' salary slips
  • Latest EPF statement or last 3 months' bank statements with credited salaries
Commission Applicants
  • Latest 6 months' commission statement
  • Latest 6 months' bank statement with credited commission
Self-Employed Applicants
  • Business registration
  • Latest 6 months' business bank statements
  • Latest Form B with tax payment receipt
Note: Foreigners and Malaysia Permanent Residents, without CIMB Regional Preferred or Private Banking relationship, may require to submit additional supporting documents upon request.

Need More Information?

Call Us At

Local: 1300 885 300

Overseas: +603 2295 6888

(Available 24 hours)