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Features & Benefits

Zero Fees
Attractive Loan-To-Value
Wide Collateral Range
Attractive Interest Rates
Investment Opportunities


SIBOR will cease after 31 Dec '24 and the Singapore Overnight Rate Average (SORA) will replace SIBOR as the key interest rate benchmark for Singapore by 30 Apr '24. Find out more about how we can assist you in switching out of your SIBOR-based loan.



21 years old and above


  • Facility Limit Assessment based on Income Documents or Owned Assets
  • Drawdowns will be based on Collateral Value of Pledged Assets, or Facility Limit, whichever is lower
  • Please contact your Personal Banker to find out the full list of requirements

Important Notes

The information is intended for general circulation and does not take into account the specific investment objectives, financial situation or particular needs of any person. You may wish to seek advice from a financial adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. CIMB Bank Berhad ("CIMB Bank") does not give any representation or warranty whatsoever (including but not limited to any representation or warranty as to the accuracy, suitability, adequacy, timeliness or completeness) in respect of any information provided herein and it should not be relied upon as such. CIMB Bank is not responsible for the updating of any information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. CIMB Bank shall not be responsible or liable for any loss or damage whatsoever arising directly/indirectly howsoever in connection with or as a result of any person acting on any information provided herein. The information provided herein may not be published or circulated in whole or in part without CIMB Bank's prior written consent. Marketing and Advertising Materials are not reviewed or endorsed by the MAS.

Risk Warning

This risk warning statement sets out some of the risks associated. It does not purport to disclose or discuss all the risks and you should therefore consult with your own legal, tax and financial advisers before accepting or utilising any such facility. You should determine whether any transaction is suitable for you, taking into account your objectives and financial situation. You are required to maintain a certain level of margin with CIMB Bank Berhad ("the Bank") for the facilities extended by the Bank to you. If the market moves against you, you may not only sustain a total loss of your initial margin deposit and any additional funds deposited with the Bank to maintain your position, but you may also incur further liability to the Bank or sustain further or additional losses. You may be called upon to "top-up" your margin by substantial amounts or repay outstanding amounts at short notice to maintain your margin, failing which the Bank may have to liquidate the securities placed by you as collateral at a loss and you would be liable for any resulting loss. If the amount is still not adequate to meet your obligations to the Bank, you should be aware that you would be liable to the Bank for the difference. The Bank may make margin calls on you through various methods, including via phone, SMS or email. Such margin calls are deemed effective once sent even if you may not have received it. However, even if the Bank has contacted you and provided a specific date by which you can meet a margin call, the Bank can still take necessary steps to protect its interests. This may include immediately selling all or any of the securities placed by you as collateral without notice to you and without waiting for the margin call deadline to expire. You are not entitled to choose which securities are to be liquidated or sold to meet a margin call. As the securities are collateral for the financing, the Bank has the right to decide which collateral to sell or realise in order to protect its interests. The Bank can change its margin of finance requirements at any time and is not required to provide you advance written notice. These changes in the Bank policy often take effect immediately and may result in the issuance of a margin call. Your failure to satisfy the call may cause CIMB Bank to liquidate or sell all or any of the securities securing the facility. You are not entitled to an extension of time on a margin call. Your failure to satisfy the call may cause CIMB Bank to liquidate or sell all or any of the securities securing the facility. You are not entitled to an extension of time on a margin call. While an extension of time to meet margin requirements may be available to you under certain conditions, you do not have the right to the extension.