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Maybank vs CIMB Home Loan Malaysia
Representative-product comparison: Maybank MaxiHome FlexiLoan vs CIMB HomeFlexi
This is not a claim that either bank has only one mortgage product. It compares two current flexi-style products verified from the banks' official pages so the differences are concrete rather than generic.
Verified side-by-side evidence
| Representative product | Maybank MaxiHome FlexiLoan | CIMB HomeFlexi |
| Account structure | 3-in-1 integration of home loan, savings and current accounts | 2-in-1 loan and current account |
| Extra cash effect | Savings placed in the flexi account reduce outstanding principal for interest-saving purposes | 100% of current-account deposit balance is recognised to reduce daily loan interest |
| Redraw / withdrawal | Excess payments can be withdrawn; Maybank states no extra charges | Deposit/withdraw/transfer through CIMB OCTO; excess cash withdrawal via the combined account |
| Published financing margin | Up to 90% | Up to 95% inclusive of MRTA/MLTA/legal/valuation, with 5% cap for those add-ons |
| Published tenure | Up to 35 years or age 70, whichever comes first | Up to 35 years, minimum 5 years, or age 70, whichever comes first |
| Rate basis / illustration | Maybank PDS dated 25 Nov 2025 shows SBR 2.75% and weighted effective loan rate 4.57% p.a. for an RM800,000 / 35-year illustration; not a universal offer | Official HomeFlexi page does not publish one universal customer rate; it describes pricing as competitive and subject to the actual package |
| Maintenance / redraw fees | Maybank PDS illustration lists RM5 monthly maintenance fee | CIMB property-fee schedule distinguishes product variants; check HomeFlexi/HomeFlexi Smart terms for the actual facility |
Important: Published rates and illustrations are not personal quotations. Different sample principals, tenures, customer profiles and campaign conditions cannot be compared as if they were controlled experiments.
What actually separates these options
- Maybank's current public product page explicitly highlights a 3-in-1 account and up to 90% financing.
- CIMB's HomeFlexi page highlights 100% recognition of current-account balances and publishes up to 95% financing inclusive of specified add-on costs.
- Do not compare the Maybank PDS illustration rate with a CIMB customer's eventual offer as if both were quoted offers for the same borrower.
How to compare your own offer
- Use the same requested amount and tenure.
- Record the actual approved effective rate/profit rate, not only the advertised flat or headline rate.
- Add all recurring and one-off fees.
- Read redraw, prepayment and early-settlement mechanics.
- Compare total repayment and cash-flow flexibility.
Official evidence used
Provider evidence checked: 10 September 2026. Recheck official bank pages before applying because product terms can change.