CIMB Islamic Bank Ijarah Property Financing-i (for Home) – Property Financing/Loan

Ijarah Property Financing-i is based on the concept of Ijarah Muntahiyah Bittamik which offers the transfer of property ownership at the end of tenure by paying a nominal amount to the bank.

  1. Ijarah Rental Rate package : The Ijarah rental payment may fluctuate based on the movement of BFR.
  2. Applicable to completed property only – Home or Business Premises..
  3. Ijarah Rental Rate Protection : The rental rate for this package is capped at the CPR of 10.75% p.a.

Three steps to property ownership

Step 1 :
Apply for Ijarah Property Financing-i
Bank purchase the property and becomes the owner of the property

Step 2 :
Customer leases the property from the bank at an agreed price.

Step 3 :
Customer purchases the property at the end of tenure or any time by paying the Exercise Price to the bank.

Features and Benefits

  • Financing all types of completed residential properties.
  • Minimum financing amount is RM15,000
  • Margin of financing (MOF) is up to 90%
  • GMTP can be financed
  • Applicant can enjoy flexible financing up to 40 years or up to the age of 70 years, whichever is earlier.


  • Individuals aged 18 years and above.
  • Malaysian or permanent resident.


Salaried Applicant:

  • NRIC photocopy.
  • Latest 3 months’ salary slip.
  • EA form / EPF statement (last 2 years).
  • Sales & Purchase Agreement.


  • NRIC photocopy.
  • Latest 3 months’ salary slip.
  • EA form / EPF statement (last 2 years).
  • Sales & Purchase Agreement.
  • Business registration A&D
  • Last 3 months bank statement

Fees and Charges

Non Free Moving Cost (NFMC) – All costs and charges incurred in relation to the facility (i.e takaful, valuation fee, legal and stamping fees) are to be borne by the customer.

How to Apply?

Call us at 1300 880 900 or +603 22956100


*This page contains information sourced on 11 Nov 2010. Please check with the bank for the latest updates.

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