CIMB
CIMB HomeFlexi Smart-i
CIMB HomeFlexi Smart-i is an Islamic full flexi home financing-i, rate on request, up to 95% margin, 35-year tenure.
- Type
- Islamic financing
- Flexibility
- Full flexi
- Rate
- On request
- Rate basis
- SBR-i + spread
- Max margin
- 95%
- Max tenure
- 35 years
- Lock-in
- Not stated
Key features
- Up to 95% including MRTT, legal and valuation fees
- Redraw excess any time via the OCTO app
- Zero Moving Cost package
Similar packages from other banks
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| Alliance BankAlliance FlexLink Home Financing-iIslamicFull flexi | 4.11%SBR + 1.36% (bank example) | — | 90% |
| HSBC MalaysiaHomeSmart-i (HSBC Amanah)IslamicFull flexi | 4.50%SBR + 1.75% (indicative, no lock-in) | — | — |
| Affin BankAFFIN Flexi Save-iIslamicFull flexi | 4.75%SBR + 2.00% (PDS illustration); ceiling 10% | None | 90% |
Alliance Bank
Alliance FlexLink Home Financing-i4.11%
IslamicFull flexi· Lock-in — · Margin 90%
HSBC Malaysia
HomeSmart-i (HSBC Amanah)4.50%
IslamicFull flexi· Lock-in — · Margin —
Affin Bank
AFFIN Flexi Save-i4.75%
IslamicFull flexi· Lock-in None · 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 21 October 2026. EstateBuds doesn’t give financial advice; confirm terms with the bank before applying.