外籍人士指南
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.
Malaysia's regulatory position on housing loans is light-touch: Bank Negara Malaysia (BNM) imposes no loan-to-value cap on your first or second housing loan. The constraint foreign buyers actually face is bank credit policy, which is far more conservative for non-resident borrowers.
These rules apply to everyone, foreigners included. But they are ceilings, not entitlements.
For non-resident foreign borrowers, Malaysian banks typically offer a margin of finance of 50–70% — a matter of credit policy, not law, and it varies by bank, by your income country and by the property. Two practical notes:
Malaysians fund down payments partly from EPF Account 2; as a foreign buyer you will almost certainly be all-cash for the equity portion, so a 60% margin on an RM1M condo means RM400,000 of your own funds before duties and fees.
For a foreign buyer at RM1,000,000 with a 70% margin:
Cash needed up front: roughly RM400,000–430,000 depending on the state. Run your own numbers in the stamp duty calculator.
Banks with established foreign-buyer or MM2H desks (several local and Singapore-linked banks) are meaningfully easier to deal with than branches that rarely see a non-resident file — ask your mortgage broker who is currently active.
Malaysian floating mortgages price off the bank's Standardised Base Rate (SBR) plus a spread. Non-resident borrowers may be quoted a modestly higher spread than locals — compare at least three banks, in writing.
编辑说明
本文仅为一般信息，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。做出任何购买决定前，请咨询 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。