A Guide to Malaysia Mortgage Loan Financing Options

We would like to address a commonly asked question by our clients on whether it is possible to obtain a mortgage loan for their Malaysia property purchases.

For our appointed agency developments, Standard Chartered Bank Malaysia (SCBM) is our go-to bank to refer our clients to. We are pleased to share that the majority of our clients who require a mortgage have successfully obtained loans from SCBM.

Your source of income, age and whether you have existing loans in Malaysia will affect whether a bank grants you a loan.

Standard Chartered Bank Malaysia offers mortgage loans to foreigners

Standard Chartered Bank Malaysia offers flexi mortgage loans with a loan tenure up to 35 years (maximum age of 70 years) to non-Malaysians for their purchase of both off-plan and completed properties in Malaysia.

  • For normal customers: the typical mortgage loan amount obtainable is between 50-60% at a floating interest rate of 3.55%
  • For Standard Chartered Priority customers: the typical mortgage loan amount obtainable is 70% at a floating interest rate of 3.3%

Should a foreigner be married to a Malaysian citizen in which the Malaysian spouse is the main income earner, Standard Chartered Bank Malaysia can offer up to 90% mortgage loan.

*subject to bank approval – updated information as of 15 September 2020

What supporting documents do you need to apply for the mortgage loan?

  1. Sale & Purchase Agreement OR booking form
  2. Passport photocopy
  3. Your latest 3 months’ salary slip
  4. Your latest 3 months; bank statement showing salary credited
  5. Your latest Inland Revenue tax payment receipt
  6. Address proof

If you plan on obtaining a mortgage for your property purchase, we highly recommend that you obtain a pre-approved home loan application in order to have an idea of the mortgage loan amount and the terms of your loan.

Inquire now about our Malaysia Properties!

Our Accolades

Asia Pacific Property Awards - Hong Kong Regional Nominee Finalist: "5-Star Best Real Estate Agency Marketing Hong Kong / “5-Star Best Real Estate Agency Single Office Hong Kong / “Real Estate Agency Website Award Winner”


The 20th Capital Outstanding Enterprise Awards / "Outstanding Overseas Property Real Estate Agency"


Metro Finance's Leaders' Choice Awards / "Excellent Overseas Property Agency Brand"


The Hong Kong Council of Social Service / "Caring Company"