- Foreigners can own property in Malaysia — freehold (perpetual) or leasehold (typically a 99-year term) — in their own name.
- Most states set a minimum purchase price for foreigners — commonly around RM1 million — but the projects we represent are open to foreign buyers from about RM600,000.
- Every foreign purchase needs state authority consent. Budget roughly 10–12% on top for stamp duty, legal fees and costs.
- You can usually finance up to about 70% (more with MM2H), subject to lender assessment. Selling early triggers Real Property Gains Tax (RPGT).
- 外国人可以在马来西亚以本人名义持有房产——永久地契（永久产权）或租赁地契（一般为 99 年期限）。
- 多数州属为外国人设有最低购买价，通常约为 100 万令吉，但我们代理的项目对外国买家开放，最低约 60 万令吉即可购买。
- 外国人购房均须获得州政府批准。请预留约房价的 10–12% 作为印花税、律师费等杂费。
- 贷款额度通常最高约 70%（参与 MM2H 可更高），惟须经贷款机构评估。提早出售需缴付产业盈利税（RPGT）。
Malaysia is one of the most open property markets in Asia for foreign buyers — and for Singaporeans especially, a strong Singapore dollar makes it one of the most affordable. But a few rules catch people out. Here is the full picture, in plain language.
在亚洲，马来西亚是对外国买家最开放的房地产市场之一；对新加坡买家而言，坚挺的新币更让它显得格外划算。但有几项规则常令人措手不及。以下用最直白的方式，把全貌说清楚。
Can foreigners really own property here?外国人真的可以在这里买房吗？
Yes. As a foreigner you can hold property in your own name — no local partner, company, or nominee required. Ownership comes in two forms of title, and the difference matters, so we cover it next.
可以。外国人能以本人名义持有房产，无需本地合伙人、公司或代持人。产权分为两种地契，两者差别很关键，下一节详细说明。
What you generally cannot buy: homes classified low- or medium-cost, Malay Reserved Land and Bumiputera-quota units, agricultural land (in most cases), and any property priced below your state's foreigner minimum.
一般不可购买的类型：被列为低价或中价的房屋、马来保留地与土著固打单位、农业用地（多数情况），以及任何低于所在州外国人最低价门槛的房产。
Freehold vs Leasehold — the key difference永久地契 vs 租赁地契——核心差别
This is the single most important thing to understand before you buy. Both are legitimate, both can be excellent investments — they simply suit different goals.
这是买房前最重要的一件事。两者都合法、都可能是很好的投资，只是适合不同的目标。
The minimum price rule最低购买价规定
To reserve entry-level homes for locals, each state sets a minimum price a foreigner must pay. As a rule of thumb this is around RM1 million, but it varies by state and property type — and it has been adjusted more than once in recent years.
为把入门级房屋留给本地人，每个州都设有外国人最低购买价。经验值约为 100 万令吉，但会因州属与房产类型而异，近年也多次调整。
The buying process, step by step购买流程，逐步拆解
Reserve the unit锁定单位
Pay a booking fee (typically 2–3%) and complete the booking form.缴付订金（一般为 2–3%）并填妥订购表格。
Sign the SPA签署买卖合约
The Sale & Purchase Agreement is signed within ~2–3 weeks; you top up to ~10% down.约 2–3 周内签署买卖合约（SPA），首付补足至约 10%。
Apply for state consent申请州政府批准
Required for every foreign purchase — routine, but takes weeks to a few months.每宗外国人购房都需要，属例行程序，但需数周至数月。
Arrange financing安排贷款
Run your loan application in parallel to keep the timeline tight.同步办理贷款申请，以缩短整体时间。
Completion完成交易
Pay the balance and receive keys & title — or pay progressively if under construction.付清余款、领取钥匙与地契；若为兴建中项目则按进度付款。
A good specialist runs the developer, lawyer and banker in parallel rather than one after another — which is what keeps the whole thing on schedule.
优秀的顾问会让发展商、律师与银行同步推进，而非逐项等待——这正是保证进度的关键。
What it costs beyond the price房价以外的成本
Budget roughly 10–12% on top of the purchase price. Here is where it goes:
请预留约房价的 10–12% 作为额外成本，构成如下：
Financing as a foreigner外国人如何贷款
Malaysian banks lend to foreigners — typically up to a 70% margin of finance (so plan for ~30% down plus costs), subject to each bank's own assessment. Under MM2H, or if you are married to a Malaysian, that can rise to 85–90%. Tenure runs to age 70 or up to 35 years, and indicative 2025–2026 rates sit roughly 3.9–4.6%. Singapore buyers gain twice here: a strong SGD stretches both the down payment and the monthly repayment. Note that on leasehold, banks assess the remaining lease, not the original term. Full numbers in How Much Home Loan Can a Singaporean Get in JB?《新加坡人在新山能贷多少房贷？》
马来西亚银行会向外国人放贷，贷款额度一般最高约 70%（即需自备约 30% 首付加杂费），惟须经银行个别评估。若参与 MM2H 或与马来西亚公民结婚，可提高至 85–90%。贷款年限至 70 岁或最长 35 年，2025–2026 年参考利率约 3.9–4.6%。新加坡买家有双重优势：坚挺的新币让首付与月供都更轻松。请注意租赁地契看的是剩余年限，而非原始年期。详细数字见 《新加坡人在新山能贷多少房贷？》
Not sure which rules apply to you?不确定哪条规则适用于您？
Tell Jie Ling your situation and budget — get a clear, no-pressure answer in English or 中文.把您的情况与预算告诉杰苓——用中文或英文，给您清晰、无压力的解答。
Ask Jie Ling on WhatsAppWhatsApp 咨询杰苓Tax when you sell: RPGT出售时的税：产业盈利税（RPGT）
Malaysia has no annual property tax of the kind some countries levy, but selling within a holding period triggers Real Property Gains Tax on your gain. For foreigners and non-citizens the rate steps down the longer you hold:
马来西亚没有部分国家那种年度房产税，但在持有期内出售会就获利缴付产业盈利税。对外国人及非公民，持有越久税率越低：
Since 2025, RPGT runs on self-assessment — the seller files and pays within 90 days of disposal. Building the holding period into your exit plan is simply part of buying well.
自 2025 年起，RPGT 采自我评估制——卖方须在出售后 90 天内自行申报并缴税。把持有期纳入退出计划，本就是聪明购房的一环。
Staying longer: MM2H长期居留：MM2H
If you want the option to live in Malaysia, the Malaysia My Second Home (MM2H) visa offers a long-stay pass, and Johor has its own more flexible track tied to the Johor–Singapore economic zone. Requirements (deposits, minimum stay, income) have changed several times — treat MM2H as a separate decision from the purchase and check the current terms.
若您希望保留在马来西亚居住的选择，马来西亚第二家园计划（MM2H）提供长期居留签证；柔佛更设有与新柔经济特区挂钩、条件更灵活的专属通道。其要求（存款、最低居住天数、收入）已多次调整——请把 MM2H 视为与购房分开的决定，并核实最新条款。
The bottom line总结
Buying in Malaysia as a foreigner is straightforward once you know what catches people out: freehold vs the remaining lease on leasehold, the minimum price for your state, the state consent step, and the RPGT holding period. None of this is a guarantee of eligibility for any specific buyer or property — get those points confirmed by a lawyer, work with people who do this every day, and the rest is smooth.
对外国人来说，只要弄清楚这几个容易出错的点，在马来西亚买房其实很简单：永久地契与租赁地契的剩余年限、所在州的最低价、州政府批准环节，以及 RPGT 持有期。这些都不构成对任何特定买家或产业的资格保证——请让律师为您确认这些要点，再找每天都在处理这些事的人协助，剩下的自然顺畅。
