Category Archives: CIMB

PERSONAL LOAN/PINJAMAN PERIBADI CIMB BANK – YEAR 2016

CIMB Personal Loan known as Cash Plus Personal Loan. It provide unsecured term loan for personal use.  It is a hassle free and convenient personal loan to fulfill your dream. There’s no any collaterals needed, no guarantor and flexible repayment period up to 5 years.

Advantages to take Personal Loan with CIMB Bank

  1. 100% cash on hand to customer. There’s no such thing like additional charges imposed to the loan amount.
  2. Flexible repayment period up to 5 years.
  3. Loan amount is offering from RM2,000 to a maximum RM100,000 with simple process.

Basic Requirement to Apply Personal Loan CIMB

  1. a Malaysian and only for individual applicant.
  2. He/She is aged between 21 years old – 58 years old
  3. Minimum Income (Basic + Fixed Income) are RM2,000 and above.

Documentations for Employed Customer

1.Salary Slip

  • For Fixed Income Earner (Basic + Fixed Income), minimum 1 month salary slip  together with latest EPF statement or latest bank statement shows salary crediting into bank.
  • For Variable Income Earner (Do not have monthly fixed income),minimum 3 months  salary slip together with latest 3 months EPF statement or latest 3 months bank statement shows salary crediting into bank.

2. Existing CIMB Payroll Customer (Salary credited into CIMB Bank)

  • Minimum latest 3 months bank statement shows salary credited with “AUTOPAYCR or “CREDIT ADVICE” transaction or any transfer from Company Name.

or

3. Latest 6 months EPF Record

or

4. Latest BE Form with LHDN Payment Receipt/ E-Filling Acknowledgement receipt.

or

5. Latest EA Form

Documentations for Self-Employed Customer

  1. For Private Limited Company
  • Business Registration details like Form 9 , 24 & 49, SSM Search, etc.
  • Latest 6 months business bank statement / latest borang B with LHDN payment receipt or E-filling acknowledgement receipt.

2. For Sole Prop/ Partnership/ Limited Liability Partnership/ Small Traders

  • Provide Trading License/ Partnership agreement/ SSM/ Professional Practising Certificate.
  • Latest 6 months business bank statement / latest 6 months personal bank statement(for sole prop/small traders only) / latest Borang B with LHDN payment receipt or e-filling acknowledgement receipt.

*Note: For own business Income, the self-employed must own at least 20% of the shareholdings including Partnership and Sdn Bhd.

Profit Rates

table4-1

Fees & Charges

  • There will be a Late Pay Penalty of 1% p.a. charges on the installments amount in arrears from overdue date.
  • There’s no Early Settlement Fees Charges.

How to Apply?

Please visit any of our branches or call our Customer Contact Centre (603 – 6204 7788). For Further informations, Please go to http://www.cimbbank.com.my/en/personal/products/loans/personal-loans/cash-plus-personal-loan.html

 

Pinjaman Peribadi CIMB

CIMB Financing

CIMB Group is the largest Asia Pacific based investment bank and one of the world’s largest Islamic banks.

Benefits of using CIMB Personal Financing:

  • Withdraw additional funds conveniently from your current account without liquidating investment products
  • Service the monthly interest and settle the principal as and when you wish
  • Interest is calculated on a daily rest basis, meaning the more you pay up on your principal, the lower the interest charges
  • A hassle free personal loan to fulfill your dream. No Collaterals, no guarantor and flexible repayment tenure up to 5 years

Features:

  • 24 hour approval and fast disbursement
  • No security deposit
  • No guarantor needed for financing RM5,000 and below
  • Takaful / Insurance coverage
  • Minimum financing amount of RM3,000 up to 50,000
  • Long payment up to 5 years
  • Make your monthly installment payments through automatic payments via standing instruction

Eligibility:

  • Single name application
  • Age 21-60 years old
  • Minimum monthly income of RM800 gross
  • Employment / business for more than 6 months
  • Malaysian citizen or Permanent Resident

Salaried Applicant:

  • Mykad (both side)
  • Latest 3 months salary slip
  • EA form / EPF statement / Letter from employer

Self-Employed:

  • Mykad (both side)
  • Business Registration Certificate (Form D or Form 9,24,49 and M&A)
  • Last 3 months bank statement / BE form with income tax reciept / other supporting documents

Xpress Cash Financing-i

Is one of the fastest and the most flexible financing up to 5 times your gross income for financing.

Pembiayaan Peribadi SektorAwam-i

Special financing package tailored only for government servant and government link companies.

Profit rate:

  • Effective 1 Dec 2013, the revised rates are as below:
  • 5.55% p.a flat rate (applies to income earner of RM1,500-2,999.99)
  • 5.25% p.a flat rate (applies to income earner of RM3,000 and above)
    • Minimum financing amount of RM1,000 up to RM200,000
    • Financing tenure up to 10 years
    • Installment payments via salary deductions through Biro Angkasa

Individual applicant only aged between 18 and 59 years upon application (Subject to retirement age at 60 years).

CIMB Islamic Ar-Rahnu

Financing based on Shariahprinciples which are fast, easy and less risky. The following items are required for CIMB Islamic Ar-Rahnu application:

  • Photocopy of My Kad/Passport
  • CIMB Islamic/CIMB Current Account/Current Account-i or Saving Account/Saving Account-i
  • Purchasing receipt of Gold Jewellery (best effort basis)
  • Aged between 21 to 70 years old

Please take note than Custodian Fee RM0.65 for every RM100 Gold value per month & Stamp Duty of RM 10 Stamping fee.