100% Disbursement
No additional charges imposed to the loan amount.
Flexible tenure
Flexible payment period of up to 5 years*.
Loan amount
Loan Amount offered from minimum RM2,000 to maximum of RM100,000.
Eligibility
- Individual applicant only
- Aged between 21 and 58 years old
- Minimum income RM2,000 (basic + fixed income only)
| Employment Type | Company Profile | Income Requirement |
|---|---|---|
Employed
|
|
1. Payslip:
a) Fixed Income earner (Basic only): minimum latest 1 month payslip or
b) Variable Income earner: minimum latest 3 months payslip
or
2. Existing CIMB Payroll Customer minimum latest 3 month bank statement with AUTOPAYCR orCREDIT ADVICE transaction or Transfer from Co Name
or
3. Minimum latest 6 months EPF record
or
4. Latest Form BE with LHDN payment receipt/ e-filing acknowledgement receipt
or
5. Latest EA Form
|
Others
|
1. Payslip:
a) Fixed Income earner (Basic only): minimum latest 1 month payslip AND
i) latest EPF statement OR
ii) latest salary crediting bank statement
b) Variable Income earner: minimum latest 3 months payslip AND
i) latest EPF statement with minimum 3 months record OR
ii) latest 3 months salary crediting bank statement
or
2. Existing CIMB Payroll Customer minimum latest 3 month bank statement with AUTOPAYCRor CREDIT ADVICE transaction or Transfer from Co Name
or
3. Minimum latest 6 months EPF record OR
4. Latest Form BE with LHDN payment receipt/ e-filing acknowledgement receipt
| |
Commission Earner
|
1. Minimum latest 6 month commission statement with commission crediting bank statement
or
2. Latest Form BE with LHDN payment receipt/ e-filing acknowledgement receipt
| |
Self-Employed
|
1. Self-Employed - Private Limited Company:
Business registration i.e. Form 9, 24 & 49, SSM Search;
and
i) latest 6 month business bank statement;
or
ii) latest Borang B with LHDN payment receipt/e-filing acknowledgement receipt
2. Self employed - sole prop/partnership / limited liability partnership / small traders:
Trading license / Partnership agreement / SSM / Professional Practicing Certificate;
and
i) latest 6 month business bank statement;
or
ii) latest 6 months personal bank statement (for sole prop/small traders only)
or
iii) latest Borang B with LHDN payment receipt / e-filing acknowledgement receipt
Note: For business income, the self-employed must own at least 20% of the shareholdings including Sdn Bhd and Partnership.
| |
| Employment Type | Loan Amount (RM) | Effective Lending Rate (Fixed rate, reducing balance, daily rest) | Equivalent to fixed rate (Subject to customer remains until end of tenure) |
|---|---|---|---|
| Salaried | 50k-100k | 14.50% p.a. | 8.20% p.a. |
| Salaried | 20k-<50k | 18.62% p.a. | 10.88% p.a. |
| Salaried | 2k-<20k | 24% p.a. | 14.66% p.a. |
| Self Employed | 2k-100k | 24% p.a. | 14.66% p.a. |
| Products/Items | Charges | |
|---|---|---|
| 1 | Late Payment Penalty | 1.0% p.a. on the installments amount in arrears from overdue date |
| 2 | Early Settlement Fee | Nil |
