CIMB Home Loan Calculator
Estimate your monthly CIMB home loan payment at current rates. Free, no signup.
fin·calc is an independent, unaffiliated calculator — not endorsed by, sponsored by, or affiliated with CIMB. "CIMB" is used only to describe typical rates and terms; confirm actual terms directly with the bank.
CIMB home loan rate
| Lender | Typical rate | Max term |
|---|---|---|
| CIMB | 4.40% p.a. | up to 30 years |
SBR-linked; BNM OPR 2.75%. Your rate depends on your profile and deposit — verify with the bank.
Worked example
Example: RM500,000 CIMB home loan at 4.40% for 30 years.
- Monthly payment: RM2,504
- Total interest: RM401,370
- Total payable: RM901,370
Frequently Asked Questions
What is the CIMB home loan rate?
CIMB home loan rates are around 4.40% p.a. as a 2026 reference. SBR-linked; BNM OPR 2.75%. Your exact rate depends on your profile and deposit.
How is the CIMB monthly payment calculated?
Using the reducing-balance formula on the financed amount. Enter your amount, rate and term in the calculator above.
How much deposit do I need?
A larger deposit lowers your rate and total cost. Most lenders also add valuation, legal and registration fees on top of the deposit.
Can I reduce the total cost?
Yes — a bigger deposit, shorter term, and extra/early repayments all cut total interest. Check for any early-repayment charges first.
CIMB home loan rates, September 2026
CIMB's Standardised Base Rate is 2.75% p.a., and CIMB advertises housing loan rates as low as 3.80% p.a. off that SBR for its Flexi Home Loan. Bank Negara Malaysia held the OPR at 2.75% p.a. at its 3 September 2026 meeting.
Worked example: RM500,000 CIMB loan at 3.80% p.a. over 30 years
r = 0.038/12 = 0.0031667, n = 360, (1+r)n ≈ 3.1211.
M ≈ RM2,329.79 per month. Total repayments ≈ RM838,724; interest ≈ RM338,724.
Frequently Asked Questions
What is CIMB's current Standardised Base Rate?
CIMB's SBR is 2.75% p.a., unchanged since Bank Negara Malaysia's July 2025 OPR cut.
What home loan rate does CIMB advertise?
CIMB advertises housing loan interest rates from as low as 3.80% p.a. on its Flexi Home Loan, priced as a spread over its 2.75% p.a. SBR.
Is CIMB's home loan rate linked to the OPR?
Yes. CIMB's SBR moves in lockstep with Bank Negara Malaysia's Overnight Policy Rate, held at 2.75% p.a. at its 3 September 2026 policy meeting.
Islamic vs conventional financing at CIMB
CIMB sells home financing under two roofs. The conventional side (CIMB Term Loan / Flexi Term Loan) charges interest linked to the bank's Standardised Base Rate (SBR). CIMB Islamic's equivalent, the Flexi Home Financing-i, is structured on the Shariah concepts of Tawarruq (Commodity Murabahah) or Ijarah Muntahiyah Bittamlik (a lease-to-own arrangement) rather than an interest-bearing loan, and is priced off the matching Standardised Base Rate Islamic (SBRi). Both benchmarks stand at 2.75% p.a., unchanged since Bank Negara Malaysia's OPR cut in July 2025.
Within the Islamic range, CIMB offers a plain Variable Home Financing-i with a ceiling profit rate that caps how far your rate can rise if the SBRi climbs, a Flexi Home Financing-i that lets surplus payments sit in a linked Special Mudharabah Investment Account-i to offset the outstanding balance, and a Home Flexi Smart-i built around prepayment flexibility. Choosing Islamic over conventional at CIMB is mostly a question of contract structure and product features (the profit-rate ceiling, the offset account) rather than a fundamentally different price, since both tracks move with the same SBR/SBRi.
Lock-in period and early settlement
Lock-in periods matter if you might refinance or sell within a few years of taking out the loan. CIMB does not publish a single current lock-in period on its Flexi Home Financing-i page or its property financing FAQ, and lock-in terms can differ by product and campaign, so check on the CIMB site or with the bank whether an early-settlement charge applies before you refinance or sell. Because this kind of policy can be revised again, always ask CIMB (or check your own Letter of Offer) for the lock-in clause that applies to your specific financing before assuming no penalty applies — the safest confirmation is the exact wording in your offer letter, not a general policy at the time you apply.
Outside of any lock-in window, redeeming a CIMB property loan or financing-i early still means submitting a redemption request letter and settling the exact payout figure quoted by the bank; paying slightly less than the quoted amount can leave a small residual balance accruing legal or administrative fees, so CIMB's own FAQ recommends paying the redemption sum precisely.
First-home schemes: is CIMB part of SJKP?
Malaysia's government-backed Skim Jaminan Kredit Perumahan (SJKP) — also called the Housing Credit Guarantee Scheme — lets first-time buyers without a steady payslip (e.g. gig workers or the self-employed) borrow up to RM500,000 with the government guaranteeing more than 100% of the financing amount, over tenures of up to 35 years. As listed on SJKP's own "Institusi Kewangan" (participating financial institutions) page, the 16 participating banks are Affin Bank, Agrobank, Alliance Bank, Alliance Islamic Bank, Al Rajhi Bank, AmBank Islamic, Bank Islam, Bank Muamalat, Bank Rakyat, Bank Simpanan Nasional, Hong Leong Bank, Hong Leong Islamic Bank, Maybank, Maybank Islamic, MBSB Bank and RHB Bank.
CIMB is not on that list. If SJKP's no-fixed-income eligibility route or its financing above 100% of the property price is what you need, you would have to apply through one of the 16 participating banks above rather than CIMB. CIMB's own home financing still suits salaried and documented-income buyers on standard SBR/SBRi-linked terms, but first-time buyers relying specifically on the SJKP guarantee should compare a participating bank (such as Maybank or RHB) alongside CIMB before committing.
Related calculators
Sources
- CIMB Base Rate / Base Lending Rates, CIMB Bank, March 2026 (accessed 26 September 2026)
- Monetary Policy Statement, Bank Negara Malaysia, 3 September 2026 (accessed 26 September 2026)
- Flexi Home Financing-i, CIMB Islamic (accessed 26 September 2026)
- Property Loan/Financing FAQ, CIMB (accessed 26 September 2026)
- Rakan Kongsi Bank & Institusi Kewangan, SJKP (accessed 26 September 2026)