CIMB home loans
CIMB offers 3 home loan and financing packages on EstateBuds (2 conventional, 1 Islamic). Options include full flexi structures. New floating-rate packages are priced on its SBR of 2.75% plus a spread. Its lowest published rate is 4.30% (CIMB HomeFlexi Smart).
Conventional home loans
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| CIMBCIMB HomeFlexi SmartConventionalFull flexi | 4.30%SBR + 1.55% (CIMB illustration) | — | 95% |
| CIMBCIMB HomeFlexiConventionalFull flexi | On requestSBR + spread (floating) | — | 90% |
4.30%
ConventionalFull flexi· Lock-in — · Margin 95%
CIMB
CIMB HomeFlexiOn request
ConventionalFull flexi· Lock-in — · Margin 90%
Rates are the figures each bank publishes; “On request” means it doesn’t publish one. Estimate only — the bank decides the final rate and approval.
Islamic home financing
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| CIMBCIMB HomeFlexi Smart-iIslamicFull flexi | On requestSBR-i + spread | — | 95% |
On request
IslamicFull flexi· Lock-in — · Margin 95%
Rates are the figures each bank publishes; “On request” means it doesn’t publish one. Estimate only — the bank decides the final rate and approval.
Land, commercial and industrial financing
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| CIMBBusiness Premises LoanConventionalTerm (non-flexi) | 4.30%BLR − 2.30% (PDS illustration, Jul 2026) | 3 yrs | — |
| CIMBFlexi Business Premises Financing-iIslamicFull flexi | 4.70%BFR − 1.90% (PDS illustration, Jan 2026); ceiling 15% | 5 yrs | — |
| CIMBSME Biz PropertyConventionalTerm (non-flexi) | 6.60%BLR-pegged (PDS illustration at BLR 6.60%, Jan 2026) | 3 yrs | 90% |
| CIMBBizLoanConventionalTerm (non-flexi) | On requestRate on request | — | 90% |
| CIMBBizLoan with ODConventional | On requestRate on request | — | 90% |
| CIMBBusiness Premises Financing-i (business)IslamicTerm (non-flexi) | On requestRate on request | — | — |
| CIMBBusiness Premises Financing-i (individuals)IslamicTerm (non-flexi) | On requestRate on request | — | 90% |
| CIMBSME Biz Property-iIslamicTerm (non-flexi) | On requestBFR-pegged (PDS figures conflict); ceiling 15% | 3 yrs | 90% |
4.30%
ConventionalTerm (non-flexi)· Lock-in 3 yrs · Margin —
4.70%
IslamicFull flexi· Lock-in 5 yrs · Margin —
CIMB
SME Biz Property6.60%
ConventionalTerm (non-flexi)· Lock-in 3 yrs · Margin 90%
CIMB
BizLoanOn request
ConventionalTerm (non-flexi)· Lock-in — · Margin 90%
CIMB
BizLoan with ODOn request
Conventional· Lock-in — · Margin 90%
On request
IslamicTerm (non-flexi)· Lock-in — · Margin —
On request
IslamicTerm (non-flexi)· Lock-in — · Margin 90%
On request
IslamicTerm (non-flexi)· Lock-in 3 yrs · Margin 90%
Rates are the figures each bank publishes; “On request” means it doesn’t publish one. Estimate only — the bank decides the final rate and approval.
Rates shown are the examples or “as low as” figures each bank publishes on its product page or Product Disclosure Sheet; “On request” means the bank doesn’t publish one. Your actual rate depends on your profile, loan size and lock-in, and is set when you’re approved.Checked 22 October 2026. EstateBuds doesn’t give financial advice; confirm terms with the bank before applying.
Questions people ask
What is the CIMB home loan interest rate?
CIMB publishes 4.30% for CIMB HomeFlexi Smart. These are the bank’s own examples; your rate is set on approval.
Does CIMB offer Islamic home financing?
Yes: CIMB HomeFlexi Smart-i.
Does CIMB have a full flexi home loan?
Yes: CIMB HomeFlexi Smart, CIMB HomeFlexi, CIMB HomeFlexi Smart-i.