Conventional Products

Commercial and Industrial Property Loans

Commercial and Industrial Property Loans

Cagamas purchases commercial and industrial property loans (CIPL) from financial institutions and selected corporations. CIPL is defined as a 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 the financing or refinancing of the purchase, construction or renovation of commercial and industrial properties;
  • fully disbursed;
  • not be more than 1 month in arrears at the time of sale;
  • has a remaining life which expires on or after the review date;
  • has a book balance less unearned interest, if any, not exceeding RM20 million per loan;
  • secured by a first charge or assignment of rights over the Commercial and Industrial property; and
  • comply with other criteria as per Cagamas' requirements

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