THE ROOF REALTY SDN BHD · REN 31645 · JOHOR, MALAYSIA
金局房产 · Jayden NgJOHOR PROPERTY CONSULTANT
FOREIGN BUYER · JOHOR · JAYDEN NG

Foreigner home loan in Johor: no single fixed margin

Do not assume every foreign buyer is capped at 70%. There is no universal fixed foreign-buyer margin. Depending on the bank, product, borrower profile and property, a banker may assess 80% or even 90%; this is never automatic or guaranteed.

UOB Malaysia states its Intelligent Home Loan is open to foreigners and has a minimum loan amount of RM100,000; the maximum depends on the approved financing margin. CIMB publishes foreign-applicant document requirements and also advertises up to 90% financing on selected individual commercial / industrial business-premises products. Product headline margins do not mean a foreign applicant will receive that margin; the bank still underwrites the case.

A practical pre-check normally starts with passport / PR or MM2H status, property type and price, income proof, recent bank statements, employment or business documents, existing commitments and preferred loan size. The bank may ask for more.

Loan approval, margin, rate and valuation are entirely subject to the bank. Jayden can help coordinate the property details and banker pre-check; he does not approve loans.

Case-by-case check

Send nationality / PR or MM2H status, target property, price, intended use, whether financing is needed, and your timeline. Do not send passport numbers or bank passwords through a public form.

WhatsApp JaydenForeign buyer master guide

Official references

Checked 11 Nov 2026. Policies and bank criteria can change.

CIMB BizLoan — up to 90% on selected business-premises financing
WhatsApp Jayden · 016-883 6333
WhatsApp Jayden