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Foreigners & expats · English · Русский

Buying property in Malaysia
as a foreigner?

How much a bank will lend you depends on where your income comes from, not just your passport. We work out your real numbers before you commit, in English or Russian.

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How much can you borrow?

It depends where
your income comes from.

These are typical margins of finance. Every case is assessed individually, and the right bank makes a real difference.

Income from outside Malaysia

Typically up to 50%

Even if you live here or hold a Malaysian visa, foreign-sourced income counts as a pure foreign borrower. Strong profiles can sometimes reach 70% with selected banks.

Singapore & Brunei nationals

Up to 80%

As close neighbours, Singapore and Brunei nationals can get special approval for higher financing.

Expats earning in Malaysia

Up to 80%

Employed here or running your own business here? Your Malaysian income source matters more than your nationality.

MM2H holders

Easier approval

Banks lend with more confidence when you hold MM2H, keep local accounts and plan to stay long term.

Plan the full picture

Never been to Malaysia?
You can still buy.

With income documents from your home country and your down payment ready, a foreigner can buy and get a Malaysian bank loan without ever visiting. Price thresholds and state consent rules apply, and we check them case by case for your property.

  • Your down payment, plus stamp duty, legal fees, state consent and valuation costs
  • Foreign income is usually recognised at a discount by banks
  • Work passes need several months’ validity at submission
  • Tax assessments and official tax payment receipts
  • Savings held steadily over time, not one sudden deposit
  • Building a Malaysian credit record early helps
Foreign buyer questions

Foreign buyers, answered.

Can foreigners get a home loan in Malaysia?
Yes. Selected Malaysian banks lend to foreigners. How much depends mainly on where your income is earned, your documents and the property. We know which banks suit which profiles.
Is there a minimum property price for foreigners?
Yes. Each state sets its own minimum price and conditions for foreign buyers, and these change from time to time. We confirm the current rules for your specific property, case by case.
How much cash do I need?
Your down payment plus purchase costs such as stamp duty, legal fees, state consent and valuation. Not every bank finances legal fees for foreign borrowers, so we map out the full amount before you commit.
What could get my application rejected?
Common issues are visa or pass status, your overseas credit report, and proof of savings for the down payment. Before you apply, avoid big salary changes, large withdrawals and new loans. We help you prepare so the application goes in clean.
Do you speak Russian?
Yes. We can guide you through the whole process in English or Russian.

Your money’s working.
Is your loan?

Complimentary loan review. Same-day reply on WhatsApp.

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