{"id":67885,"date":"2017-05-24T13:55:52","date_gmt":"2017-05-24T13:55:52","guid":{"rendered":"http:\/\/13.250.106.137\/blog\/2017\/05\/24\/guidelines-for-foreigners-buying-property-in-malaysia\/"},"modified":"2023-05-17T08:53:54","modified_gmt":"2023-05-17T07:53:54","slug":"guidelines-for-foreigners-buying-property-in-malaysia","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/cn\/guidelines-for-foreigners-buying-property-in-malaysia\/","title":{"rendered":"\u5916\u56fd\u4eba\u8d2d\u4e70\u9a6c\u6765\u897f\u4e9a\u623f\u5c4b\u7684\u5fc5\u770b\u6307\u5357"},"content":{"rendered":"\n

在外国人的眼中，马来西亚除了是著名旅游胜地和购物天堂外，还是一个集美食、多元种族及文化背景于一身的国家。身为当地公民，最值得骄傲的是马来西亚登上亚洲最佳退休国家，被外国人评选为在国外退休的最理想国家之一。基于在亚洲国家内，马来西亚房价比邻国新加坡更实惠，消费处于合理水平及租金回报率高，外国人也倾向于在马来西亚购买房产。然而，外国人在马来西亚买房的过程并不容易，需要遵守许多政策条规及费用（如法律费用）。<\/p>\n

本文将为大家提供外国人在马来西亚的买房指南。<\/p>\n

1.外国人在马来西亚可购买的房产类型<\/h2>\n

\"买房\"<\/p>\n

 <\/p>\n

马来西亚法律说明，外国人可以在马来西亚买任何类型的房地产，包括独立式洋房、高级公寓、有地物业和排屋等。他们允许以个人或公司名义购买住宅和商业物业，除了以下物业:<\/p>\n

• 房价低于国家规定的最低购买价格<\/p>\n

• 国家权威机构定义为中低成本的物业 ，如可负担房屋<\/p>\n

• 建立在马来保留地的物业<\/p>\n

• 农业土地<\/p>\n

• 经国家权威机构分配给马来人的物业<\/p>\n

除此之外，外籍人士不允许购买任何马来保留区的土地物业，包括政府土地、森林保留地、公共保留地和马来保留土地。<\/p>\n

2.在马来西亚买房的最低价格<\/h2>\n

\"\"<\/a><\/p>\n

 <\/p>\n

从2014年9月1日起，雪兰莪州政府正式宣布调整外国买家在大马购买房产的最低价格为200万令吉，吉隆坡则为100万令吉或以上。然而，必须注意最低置产价格将因州而异。除此以外，持有第二家园计划签证的外国 人 也将分别获得各别不同最低价格，以下列表供参考：<\/p>\n

\"\"<\/p>\n

3. 我的第二家园计划<\/h2>\n

\"买房\"<\/p>\n

 <\/p>\n

马来西亚 – 我的第二家园计划由政府所推动的移居方案，它鼓励外籍人士长时间居住在马来西亚。一旦申请者获批，他们将拥有高达10年签证，同时可购买无限量的物业，但前提是必须符合各州对外国人所设的最低置产价格。<\/p>\n

申请者的个人财务状况必须符合条规，如下：<\/p>\n

• 年龄低于50岁的申请者必须拥有至少50万令吉的流动资产，并同时拥有月收入为1万令吉<\/p>\n

• 年龄50岁或以上的申请者必须拥有至少35万令吉的流动资产，并同时拥有月收入1万令吉。<\/p>\n

• 退休人士则必须提交由政府认可获批的退休金证明，最低数额为每月1万令吉。<\/p>\n

签证获批之后，可在一年后取出部分资金用于进行房屋投资、医疗或子女教育。虽然申请门槛稍高，但相比其他国家，不但无风险和极少限制，而且身份自由。目前，此计划深受许多中国及香港人加入，因凡是申请第二家园计划的中国公民，只要在2年时间内居住满18个月，即可申请获得当地华侨身份。<\/p>\n

4. 房贷融资<\/h2>\n

\"买房\"<\/p>\n

 <\/p>\n

一般外籍人士向银行申请房贷，最高贷款额仅为70%。而拥有第二家园签证的人士将可获得80%的最高贷款额。此外，假设外籍人士和当地居民结为夫妻，通过配偶联名申请房贷，便有机会获得最高为90%的房贷 额。<\/p>\n

事实上，外国人在马来西亚购买房屋的人数持续上升。如果你准备即将在马来西亚置产或计划在马来西亚待上很长的时间，不妨参考以上所提供的咨询作为您的购房指南。当然，你可以选择委任地产代理协助你有关于购房程序及给予你专业建议，以免误踩“地雷”。<\/p>\n

若你由此需要，可电邮至hello@iqiglobal.com<\/u><\/a>，将会有专业的地产代理和你联系。<\/p>\n

阅读更多：外国人在大马购房的常见问题解答<\/a><\/p>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"

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