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Vacant Land Flexi Smart
Versatile features to assist you spend down your loan faster.
Aided by the freedom of earning prepayment, you’ll be able to spend less on 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 early in the day
• Commercial, industrial and agricultural: as much as two decades, or 65 years old, whichever is early in the day
Group Mortgage Term Assurance (GMTA) could be financed
Save well on revenue once you make prepayment which decreases the principal loan amount that is outstanding
No processing / put up / maintenance charge
Enjoy more affordability.
Extra Features
- No dedication charges
- Statement – Annually
- Prevailing Interest and Default Clause. Please follow this link to find out more.
- For CIMB Prime Banking customer, take pleasure in the after benefits:
- Earn 0.1 Bonus aim for each and every RM1 financing
- Preferential prices
Month-to-month Installment Calculator
Select the timeframe to discover the rates that are corresponding annum.
Eligibility & Requirement
- People aged 18 years and above.
- NRIC photocopy
- Latest three months’ income slide
- Latest EPF statement / Latest three months bank statements showing crediting that is salary
- 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 re payment receipt
- Purchase & Purchase Agreement / Booking form from designer
Costs & Costs
Provider Tax Implementation Taxes on products (including yet not limited by solution income tax, indirect fees or withholding taxes), where relevant, because could be imposed by the national of Malaysia and any fees payable associated with or arising away from center funding/account would be payable.
| Products / Items | Fees and costs | |
|---|---|---|
| 1 | HomeLoan / BizLoan / Variable Residence Financing-i / Business Premises Financing-i / Term Financing-i / Vacant Land Financing | Processing cost: 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. In 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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