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Vacant Land Flexi Smart

Versatile features to assist you spend your loan off faster.

Using the freedom of earning prepayment, you can save very well interest right from the start. This shortens your loan tenure, and finally, you’ll own your land faster. For additional convenience, you additionally have the flexibleness to withdraw prepayment, also to save you much more, Vacant Land Flexi Smart comes without maintenance and set-up costs.

  • Vacant Land Flexi Smart
  • Vacant Land Flexi Smart

Qualities & Advantages

For domestic, commercial, commercial and agricultural vacant land

Repayment and withdrawal convenience

Make prepayment and withdrawal via CIMB Clicks, Contact Centre or any CIMB Bank branches nationwide

Tall margin of funding

• Commercial and industrial: as much as 65% + 5% (GMTA/Legal/Valuation)

• Agricultural: as much as 55% + 5% (GMTA/Legal/Valuation)

Freedom of withdrawal

Withdraw prepayment anytime at an inexpensive charge.

Loan tenure

• Res years of age, whichever is earlier in the day

• Commercial, industrial and agricultural: as much as two decades, or 65 years, whichever is previously

Group Mortgage Term Assurance (GMTA) may be financed

Save well on revenue once you make prepayment which decreases the outstanding principal loan quantity

No processing / put up / upkeep charge

Enjoy more affordability.

Extra Features

  • No dedication charges
  • Statement – Annually
  • Prevailing Rate Of Interest and Default Clause. Please click on this link to find out more.
  • https://speedyloan.net/installment-loans-md

  • For CIMB Prime Banking customer, benefit from the after benefits:
    • Earn 0.1 Bonus aim for every single financing that is RM1
    • Preferential prices

Month-to-month Installment Calculator

Pick the length to discover the rates that are corresponding annum.

Eligibility & Requirement

  • People aged 18 years and above.
  • NRIC photocopy
  • Latest three months’ wage slide
  • Latest EPF statement / Latest three months bank statements showing income crediting
  • Purchase & Purchase Agreement / Booking form from designer
  • NRIC photocopy
  • Company enrollment
  • Latest a few months company bank statements
  • Latest Form B with income tax re payment receipt
  • Purchase & Purchase Agreement / Booking form from designer

Costs & Costs

Provider Tax Implementation Taxes on services and products (including yet not restricted to solution taxation, indirect fees or withholding taxes), where relevant, because could be imposed because of the national of Malaysia and any fees payable regarding the or arising away from center funding/account should be payable.

Set up cost of RM200.00

Monthly solution fee of RM10.00

Monthly flexi charge / Non rebated revenue of RM40.00

Monthly solution fee of RM10.00

Monthly flexi fee of RM40.00

Redraw charge of RM25.00** via OTC/Branch/Contact Centre and RM 10.00** via CIMB ticks

**per transaction regardless of quantity withdrawn

Year for period up to 1

First page – RM 10.00

Extra web page – RM 2.00

Year for period exceeding 1

First page – RM 30.00

Extra web web page – RM 2.00

Depending on Stamp Duty Act 1949 (Revised 1989)

I) Letter Provide: RM10.00

Ii) Principal Document: RM5.00 for virtually any RM1,000.00

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Products / Items Fees and fees
1 HomeLoan / BizLoan / Variable Residence Financing-i / Business Premises Financing-i / Term Financing-i / Vacant Land Financing Processing charge: Not relevant
2 HomeFlexi / BizFlexi / Flexi Home Financing-i / Flexi company Premises Financing-i
3 Flexi Vacant Land Financing
4 HomeFlexi Smart/ BizFlexi Smart / HomeFlexi Smart-i / BizFlexi Smart-i Processing charge of RM200.00
5 HomeFlexi Smart / BizFlexi Smart/ Vacant Land Flexi Smart / HomeFlexi Smart-i / BizFlexi Smart-i / Residential Vacant Land Flexi Smart-i
6 Secured OD Commitment charge of just one% p.a. From the unutilised quantity for OD center of RM 250,000.00 and above
7 Special PR1MA End Financing (SPEF) Package Processing fee of RM 200.00
8 Redemption declaration (Home loan / Home financing) RM 50.00 per request
9 Letter of verification for EPF withdrawal RM 20.00 per demand
10 Ring Fence Processing Fee for EPF withdrawal RM 50.00 per demand
11 Reproduction of statements
12 Stamp Duties
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