为外籍买家和投资者准备的新加坡房产购买指南 — 印花税、税务、贷款、流程和常见陷阱。
其他主题的深度报道。
编辑说明
本指南仅为一般信息——不构成法律、税务或理财建议。马来西亚房产规则随政策更新而变（且各州不同），每位买家情况也不同。购房前请务必咨询 REN 注册的马来西亚房产中介、合格税务顾问与产权转让律师。每篇文章均引用一手来源（LHDN、BNM、州土地局），关键数字您都可以自行核实。
Since 1 January 2026, foreign buyers pay a flat 8% stamp duty on the transfer instead of the 1–4% tiers Malaysians pay. Here is the math.
Malaysia taxes your gain on exit: 30% if you sell within five years, 10% after — and it never reaches zero for foreigners. Here is the full picture.
What kind of title a property sits on decides whether you can buy it at all, how long transfers take, and what it is worth on exit. The four categories every foreign buyer must know.
Malaysia My Second Home requires a property purchase at every tier — RM600k to RM2M — and locks it for 10 years. But it is not PR, and the 8% duty still applies.
The same handful of mistakes shows up in foreign purchases again and again — most of them cheap to avoid and expensive to discover late.
A foreign subsale purchase typically runs 6–9 months end to end, with state consent as the long pole. Here is what happens in each stage.
Malaysian holding costs are low — often under RM2,200 a year for a KL condo — but rental income is taxed at a flat 30% for non-residents.
Bank Negara caps nothing on your first two housing loans — but as a foreigner, banks will typically lend you only 50–70% of the price. Here is the landscape.
Under s.433B of the National Land Code, no foreigner acquires Malaysian land without the state authority saying yes. Expect 3–6 months. Here is how it works.
Each Malaysian state sets a floor price below which foreigners cannot buy — from RM500,000 in Melaka to RM2 million in most of Selangor.
Most condos above the state minimum price: yes. Malay Reserve land, Bumi lots and low-cost homes: no. And every purchase needs state consent.