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A Combination of

Financing Account and SMIA-i Account

Balance in the SMIA-i Account

Will Be Used to Reduce Financing Profit Costs

and also allow you to generate profits

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 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.

  • Profit Rate

    Enjoy attractive profit rate with our home financing package.

  • Margin of Financing

    High margin of financing of up to 95% inclusive of MRTT / Legal fee / Valuation. (Maximum cap for MRTT / Legal / Valuation fee at 5%)

  • Tenure

    Financing up to 35 years (minimum tenure 5 years) or age 70, whichever is earlier.

  • Purpose & Type of Properties

    For purchase and refinancing of completed and under-construction residential properties (including resort homes & service apartments) for individual customers.

  • Group Mortgage Term Takaful (MRTT)

    Takaful coverage for your home 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.

Calculate Your Monthly Instalment

Estimate your home loan amortisation with the Monthly House Loan Instalment Calculator. See how you can afford your dream home!

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)