Benefits
CMTF-i is a shariah-compliant term financing facilities that provide alternatives to customers to acquire completed or under construction assets such as landed properties (residential and commercial), plant and machinery, vessels and commercial vehicles.
Underlying Assets
CMTF-i
Tradable Shariah-compliant commodities such as zinc, tin, lead, palm oil and wheat.
Eligibility
Eligible individual or non-individual customers, local and foreign.
Tenor
As per existing term financing based on customer's requirements and credibility.
Pricing
As per the existing pricing for Islamic Term Financing:
- Variable Rate Financing
Selling Price Rate
BFR + 4% or 10%, whichever is higher (for computation of Bank's selling price)
ii) Effective Date
BFR + margin / spread (at per with conventional rate) - Fixed Rate
As per the conventional rate. The rate will remain fixed throughout the financing tenor. - Combination of both Fixed and Variable Rate
Payment
- Bullet or lump-sum payment.
- Periodically, i.e. monthly, quarterly, half-yearly and yearly.
Disbursement
As per agreed terms between Bank and customer.
Guidelines
The introduction of CMTF-i will operate with the parameter set by Islamic Financial Service Act (IFSA), ECM and other guidelines issued by Bank Negara Malaysia.

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