Conventional Products

Commercial and Industrial Property Loans

Commercial and Industrial Property Loans

Cagamas purchases Commercial and Industrial Property Loans (CIPL) from the financial institutions and selected corporations. CIPL is defined as loan granted for the purpose of financing or refinancing the purchase, construction or renovation of a factory, warehouse or industrial complex. Proceeds obtained from the sale of CIPL are exempted from the liquidity requirement but are subject to 50% of the statutory reserve requirement.

Eligibility Criteria

  • for financing or refinancing the purchase, construction or renovation of industrial properties;
  • fully disbursed;
  • not more than 1 month in arrear at the time of sale;
  • have a remaining life which expires on or after the Review Date;
  • have a book balance less unearned interest not exceeding RM20 million per loan;
  • secured by a first charge or assignment of rights over the secured property; and
  • comply with other criteria as per Cagamas' requirements
     

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