Negotiator ∙ Dreammakerz
Felix
REN44487
Negotiator ∙ Dreammakerz
Felix
REN44487
About Felix
Leveraging market knowledge and negotiation skills to deliver exceptional results. Your real estate success is my priority. Ready to make your real estate dreams a reality? Let's chat. Your dream home awaits.
359 properties on sale
3 properties on rent
Contact Felix
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Felix's Service Locations
Felix's Service Locations
My Listings
Taman Puteri Wangsa 1 Sty Terrace,Jalan Lembing,Ulu Tiram,Renovated
ulu tiram
€ 100,748
Listed on July 28, 2026
Taman Pelangi Indah 2 Sty Corner Lot,Jalan Pesona,Ulu Tiram,Unblock
ulu tiram
€ 307,545
Listed on April 6, 2026
Taman Nusa Bayu 2 Sty Terrace,Iskandar Puteri,Gelang Patah,Renovated
gelang patah
€ 141,259
Listed on March 25, 2026
Taman Teratai Single Storey Big Corner Lot,Skudai,Johor Bahru,Extend
skudai
€ 167,135
Listed on August 25, 2026
Austin Residence 1.5 Sty Terrace,Taman Mount Austin,Johor Bahru,Gng
johor bahru
€ 143,804
Listed on July 29, 2026
Taman Daya Medium Cost Flat,Jalan Sagu,Johor Bahru,Level 2
johor bahru
€ 46,662
Listed on July 16, 2026
Taman Impian Emas 2 Sty Terrace,Skudai,Renovated,Unblock,Johor Bahru
skudai
€ 154,833
Listed on July 28, 2026
Cahaya Masai 2 Sty Meiudm Cost,Jalan Berlian,Pasir Gudang,Renovated
pasir gudang
€ 74,235
Listed on April 13, 2026
Austin Regency,Jalan Austin Perdana,Taman Mount Austin,Low Floor
austin regency
€ 80,174
Listed on March 16, 2026
Taman Puteri Wangsa 1 Sty Terrace,Jalan Keris,Ulu Tiram,Renovated
ulu tiram
€ 116,231
Listed on August 21, 2026
Villa Bestari Apartment,Nusa Bestari,Skudai,Level 4,Full Loan
skudai
€ 78,053
Listed on July 21, 2026
Taman Putri Kulai 1 Sty Corner Lot,Renovated,Extend,Jalan Sri Putri,Kulai
kulai
€ 139,562
Listed on April 3, 2026
Taman Puteri Wangsa 2 Sty Terrace,Jalan Jenawi,Ulu Tiram,Renovated
ulu tiram
€ 135,320
Listed on April 14, 2026
Megah Ria Medium Cost Flat,Jalan Cenderai,Masai,Level 1,Full Loan
masai
€ 41,996
Listed on August 5, 2026
Taman Universiti 1 Sty Terrace,Jalan Kemuliaan,Skudai,Renovated,Bumi Lot
skudai
€ 101,172
Listed on April 20, 2026
Kulai Kelapa Sawit 2 Sty Terrace,Jalan Scientex,Renovated,Bumi Lot
kulai
€ 64,691
Listed on March 12, 2026
Rumah Pangsa Orkid Medium Cost Flat,Desa Cemerlang,Ulu Tiram,Level 3
desa cemerlang
€ 37,754
Listed on March 9, 2026
Desa Cemerlang 1 Sty Terrace,Jalan Kekabu,Ulu Tiram,Renovated,Extend
ulu tiram
€ 123,018
Listed on July 18, 2026
Scientex Kulai 2 Sty Medium Cost,Kelapa Sawit,Johor Bahru,Renovated
kulai
€ 68,933
Listed on July 21, 2026
Taman Pulai Indah Double Storey Terrace,Unblock View,Skudai,Johor Bahru
skudai
€ 118,352
Listed on August 23, 2026
Plentong Hijauan Utama Low Cost Flat,Jalan Bunga Teratai,Tingkat 5
ulu tiram
€ 39,875
Listed on July 9, 2026
Taman Bukit Indah 2 Sty Endlot,Iskandar Puteri,Johor Bahru,Renovated
bukit indah
€ 181,346
Listed on March 12, 2026
Taman Kota Masai 2 Sty Terrace,Eco Tropics,Pasir Gudang,Bumi Lot
eco tropics
€ 106,050
Listed on March 9, 2026
Taman Scientex 2.5 Sty Terrace,Jalan Scientex,Kelapa Sawit,Bumi Lot
kulai
€ 82,295
Listed on September 3, 2026
Taman Kemas 2 Sty Terrace,Jalan Selasih,Johor Bahru,Renovated,Tampoi
johor bahru
€ 123,018
Listed on March 25, 2026
Taman Rinting 2 Sty Low Cost Endlot,Jalan Geharu,Masai,Renovated,Extend
masai
€ 97,142
Listed on April 15, 2026
Bandar Dato Onn 2 Sty Terrace,Jalan Perjiranan,Johor Bahru,Extend
dato onn
€ 186,648
Listed on March 16, 2026
Taman Perumahan Rakyat Lima Kedai,Skudai,Low Cost Flat,High Floor
skudai
€ 39,875
Listed on September 11, 2026
Permas Jaya Medium Cost Flat,Level 5,Full Loan,Johor Bahru,Renovated
johor bahru
€ 50,480
Listed on September 16, 2026
Taman Aman 2 Sty Low Cost,Jalan Bunga Dahlia,Senai,Renovated,Kulai
senai
€ 73,811
Listed on September 11, 2026
Laman Tasik Panda Medium Cost Flat,Level 3,Taman Redang,Johor Bahru
johor bahru
€ 46,662
Listed on September 16, 2026
Tamapoi Sri Perkasa Low Cost Flat,Level 3,Skudai,Tampoi Utama,Renovated
tampoi
€ 41,360
Listed on September 5, 2026
Setia Tropika 2 Sty Terrace,Erica Green,Johor Bahru,Renovated,Gng,Furnished
johor bahru
€ 180,285
Listed on September 14, 2026
Villa Hijauan Townhouse,Duplex,Skudai,Full Loan,Cash Out,Selesa Jaya
skudai
€ 67,872
Listed on April 2, 2026
Bandar Seri Alam 2 Sty Terrace,Jalan Bayu,Masai,Renovated,Unblock
masai
€ 141,683
Listed on July 22, 2026
Taman Melawati 2 Sty Terrace,Mutiara Rini,Skudai,Renovated,Extend
skudai
€ 158,651
Listed on September 15, 2026
Bandar Baru Permas Jaya 2 Sty Low Cost,Renovated,Unblock View,Extend
permas jaya
€ 90,779
Listed on August 27, 2026
Taman Setia Indah 2 Sty Terrace,Jalan Setia,Precinct 10,Original,Gng
johor bahru
€ 148,046
Listed on March 31, 2026
Taman Air Biru 2 Sty Low Cost,Pasir Gudang,Johor Bahru,Renovated
pasir gudang
€ 71,690
Listed on August 12, 2026
Permas Jaya Low Cost Flat,Masai,Johor Bahru,Level 5,Gng
permas jaya
€ 35,633
Listed on July 8, 2026
Kota Masai 2 Sty Low Cost,Renovated,Extend,Jalan Duku,Pasir Gudang
masai
€ 75,932
Listed on March 19, 2026
Taman Skudai Baru 2 Sty Low Cost,Jalan Hang Tuah,Skudai,Renovated
skudai
€ 95,021
Listed on July 17, 2026
Taman Tampoi Utama Medium Cost,Jalan Titiwangsa,Johor Bahru,Renovated
tampoi
€ 46,662
Listed on July 15, 2026
Horizon Residence,High Floor,Renovated,Bukit Indah,Gelang Patah,Full Loan
iskandar puteri
€ 109,868
Listed on August 17, 2026
Taman Teratai Single Storey Low Cost,Jalan Lumpit,Skudai,Renovated
skudai
€ 90,143
Listed on July 5, 2026
Palazio Apartment,High Floor,Pool View,Full Loan,Taman Mount Austin
johor bahru
€ 92,900
Listed on March 11, 2026
Kota Masai 2 Sty Low Cost,Jalan Duku,Pasir Gudang,Renovated,Extend
pasir gudang
€ 75,932
Listed on April 15, 2026
Taman Kobena 2 Sty Terrace,Bumi Lot,Jalan Subang,Tampoi,Johor Bahru
johor bahru
€ 104,990
Listed on September 8, 2026
Bandar Tiram 2 Sty Terrace,Jalan Tiram,Ulu Tiram,Renovated,Full Loan
ulu tiram
€ 120,473
Listed on August 26, 2026
Taman Kota Masai 2 Sty Terrace,Full Loan,Bumi Lot,Jalan Jambu,Pasir Gudang
masai
€ 99,263
Listed on September 8, 2026
Taman Universiti Single Storey Endlot,Jalan Kemajuan,Skudai,Renovated
skudai
€ 107,747
Listed on August 20, 2026
Taman Sri Putri Double Storey Terrace,Jalan Gangsa,Skudai,Renovated
skudai
€ 128,957
Listed on April 21, 2026
Taman Bukit Tiram 2 Sty Terrace Corner Lot,Jalan Soga,Ulu Tiram,Renovated
ulu tiram
€ 127,260
Listed on August 6, 2026
Taman Putri Kulai 1 Sty Terrace,Jalan Sri Putri,Kulai,Renovated,Unblock View
kulai
€ 99,263
Listed on September 11, 2026
Taman Bukit Tiram 2 Sty Endlot,Jalan Ledang,Ulu Tiram,Renovated,Full Loan
ulu tiram
€ 93,324
Listed on September 10, 2026
Taman Senai Utama Single Storey Terrace,Senai,Renovated,Johor Bahru
senai utama
€ 103,505
Listed on March 12, 2026
Nusa Perdana Service Apartment,Full Loan,Gelang Patah,Ground Floor
gelang patah
€ 95,445
Listed on July 31, 2026
Taman Mount Austin 2 Sty Low Cost Corner,Mutiara Emas,Johor Bahru,Renovated
johor bahru
€ 128,957
Listed on March 31, 2026
Larkin Residences Fasa 2,Jalan Dato Jaafar,Johor Bahru,Renovation
johor bahru
€ 101,808
Listed on April 30, 2026
Bandar Baru Uda 2 Sty Terrace,Jalan Padi Mahsuri,Johor Bahru,Renovated
tampoi
€ 126,836
Listed on April 21, 2026
Kempas Baru 1 Sty Bungalow,Jalan Banjaran,Johor Bahru,Renovated
kempas baru
€ 116,655
Listed on March 25, 2026
Pontian Utama Low Cost Flat,Ground Floor,Johor Bahru,Renovated
pontian
€ 44,541
Listed on July 14, 2026
Taman Abad 1 Sty Terrace,Century Garden,Ksl Mall,Johor Bahru,Jb Town
johor bahru
€ 190,890
Listed on July 31, 2026
Taman Wawasan Kelapa Sawit 1 Sty Terrace,Jalan Merpati,Kulai,Renovated
kulai
€ 88,658
Listed on April 18, 2026
Puteri Wangsa 2 Sty Low Cost,Jalan Lading,Ulu Tiram,Renovated,Extend
ulu tiram
€ 80,174
Listed on August 15, 2026
Taman Pulai Utama 2 Sty Terrace,Jalan Pulai,Skudai,Renovated,Bumi Lot
pulai utama
€ 127,260
Listed on June 25, 2026
Taman Sri Putri 2 Sty Terrace Endlot,Jalan Putri,Kulai,Unblock,Full Loan,Renovated
kulai
€ 124,715
Listed on July 31, 2026
Larkin 1 Sty Bungalow,Jb Town,Jalan Tani,Johor Bahru,Renovated,Extend
johor bahru
€ 162,893
Listed on August 29, 2026
Taman Teratai Double Storey Terrace,Sri Pulai,Skudai,Meranti,Renovated
skudai
€ 131,078
Listed on April 18, 2026
Taman Mutiara Rini 2 Sty Terrace,Jalan Bakti,Skudai,Renovated,Unblock
mutiara rini
€ 144,228
Listed on April 3, 2026
Baiduri Perling Low Cost Flat,Jalan Perkaka,Johor Bahru,Renovated
taman baiduri perling
€ 41,996
Listed on March 10, 2026
Taman Ungku Tun Aminah 1 Sty Terrace,Jalan Nakhoda,Skudai,Renovated
tun aminah
€ 123,018
Listed on April 4, 2026
Idaman Resident Service Apartment,Nusa Indah,Iskandar Puteri,Level 7
gelang patah
€ 124,715
Listed on March 22, 2026
Bandar Putra Kulai 2 Sty Terrace,Jalan Kasawari,Kulai,Renovated,Unblock
kulai
€ 124,715
Listed on June 10, 2026
Taman Kota Masai 2 Sty Low Cost,Renovated,Extend,Jalan Tembikai,Full Loan
masai
€ 73,811
Listed on July 31, 2026
Taman Damai Jaya 2 Sty Low Cost,Renovated,Full Loan,Jalan Makmur
jalan makmur
€ 69,993
Listed on March 7, 2026
Denai Nusantara Apartment,Gelang Patah,Full Loan,Low Floor,Rmmj
gelang patah
€ 75,932
Listed on August 26, 2026
Nusa Bayu 2 Sty Medium Cost,Nusajaya,Gelang Patah,Endlot,Renovated
gelang patah
€ 106,050
Listed on July 29, 2026
Taman Rinting 1 Sty Endlot,Jalan Tembusu,Masai,Renovated,Extend
masai
€ 124,715
Listed on August 21, 2026
Taman Skudai Baru 1 Sty Terrace,Jalan Hang Jebat,Skudai,Renovated
skudai
€ 135,320
Listed on August 13, 2026
Taman Damai Jaya 2 Sty Low Cost,Jalan Makmur,Skudai,Renovated,Extend
skudai
€ 89,082
Listed on September 5, 2026
Taman Mutiara Rini 2 Sty Semi D,Jalan Bestari,Skudai,Rmmj,Johor Bahru
skudai
€ 131,502
Listed on August 25, 2026
Bandar Putra Kulai Single Storey Corner Lot,Jalan Terkukur,Kulai,Senai
kulai
€ 123,018
Listed on March 30, 2026
Taman Ungku Tun Aminah 1 Sty Terrace,Jalan Pahlawan,Skudai,Renovated
skudai
€ 120,473
Listed on April 17, 2026
Nusa Bestari Residency 2 Sty Terrace,Jalan Nb,Skudai,Gng,Renovated
skudai
€ 167,135
Listed on July 21, 2026
Pangsapuri Jasa,Taman Mutiara Rini Low Cost Flat,Renovated,Skudai
skudai
€ 48,783
Listed on July 29, 2026
Taman Sri Skudai Single Storey Terrace,Jalan Emas,Skudai,Renovated
skudai
€ 101,384
Listed on August 6, 2026
Taman Pulai Indah 2 Sty Medium Cost,Renovated,Kangkar Pulai,Skudai
skudai
€ 84,840
Listed on July 31, 2026
Taman Daya 2 Sty Low Cost,Jalan Pinang,Johor Bahru,Renovated,Extend
johor bahru
€ 99,263
Listed on August 12, 2026
Taman Air Biru Double Storey Semi D,Pasir Gudang,Renovated,Extend
pasir gudang
€ 126,836
Listed on August 7, 2026
Taman Sutera Double Storey Corner Lot,Jalan Sutra,Saleng,Renovated,Kulai
kulai
€ 109,868
Listed on August 20, 2026
Taman Pontian Utama Low Cost Flat,Renovated,High Floor,Full Loan
pontian
€ 33,936
Listed on September 7, 2026
Taman Skudai Baru 1 Sty Terrace,Jalan Hang Lekiu,Skudai,Renovated,Bumi Lot
6,jalan hang lekiu 11
€ 118,352
Listed on February 25, 2026
Taman Desa Cemerlang 2 Sty Terrace,Jalan Ara,Ulu Tiram,Renovated
ulu tiram
€ 107,747
Listed on April 13, 2026
Taman Bukit Mewah 2 Sty Corner Lot,Medium Cost,Johor Bahru,Renovated
skudai
€ 106,050
Listed on September 13, 2026
Kangkar Pulai Low Cost Flat,Kenari Flat,Jalan Harmoni,Skudai,Top Floor
skudai
€ 31,391
Listed on July 27, 2026
ungku tun aminah
blok 56 0219
€ 46,238
Listed on March 3, 2026
One 49 Residence,High Floor,Johor Bahru,Blok A,Jb Town,Ciq
johor bahru
€ 101,808
Listed on April 4, 2026
Damansara Aliff 2 Sty Terrace,Gng,Renovated,Johor Bahru,Tampoi,Skudai
skudai
€ 160,772
Listed on July 25, 2026
Taman Seri Paya 1 Sty Terrace,Jalan Selar,Kluang,Bumi Lot,Original
seri paya
€ 46,662
Listed on April 9, 2026
Bandar Seri Alam 2 Sty Terrace,Masai,Pasir Gudang,Renovated,Extend
pasir gudang
€ 143,804
Listed on August 13, 2026
Taman Megah Ria 2 Sty Low Cost,Jalan Bayan,Masai,Full Loan,Extend
masai
€ 76,356
Listed on July 17, 2026
Taman Sri Pulai 1 Sty Low Cost,Jalan Pakis,Kangkar Pulai,Renovated
skudai
€ 84,628
Listed on March 25, 2026
Taman Scientex 2.5 Storey Terrace,Jalan Tiong,Pasir Gudang,Renovated
pasir gudang
€ 95,445
Listed on August 27, 2026
Bandar Baru Permas Jaya Double Storey Low Cost,Original,Johor Bahru
permas jaya
€ 78,053
Listed on February 26, 2026
Bandar Baru Uda 1 Sty Terrace,Jalan Padi,Johor Bahru,Renovated,Bumi Lot
johor bahru
€ 116,655
Listed on April 20, 2026
Taman Pulai Utama 2 Sty Terrace,Jalan Pulai,Skudai,Renovated,Extend
skudai
€ 126,836
Listed on July 24, 2026
Taman Pelangi Indah Low Cost Flat,Jalan Cantik,Level 3,Original
ulu tiram
€ 37,118
Listed on August 25, 2026
Taman Desa Jaya 2 Sty Low Cost,Jalan Danau,Johor Bahru,Renovated
johor bahru
Listed on September 2, 2026
Taman Cendana Low Cost Flat,Ground Floor,Pasir Gudang,Renovated
pasir gudang
€ 52,601
Listed on September 13, 2026
Taman Rinting Balau Low Cost Flat,Renovated,Level 1,Pasir Gudang
taman rinting
€ 52,601
Listed on September 13, 2026
Taman Universiti 1 Sty Terrace,Jalan Kemuliaan,Skudai,Renovated
skudai
€ 103,505
Listed on August 25, 2026
Taman Perling 1 Sty Terrace,Jalan Camar,Tampoi,Skudai,Renovated,Extend
perling
€ 141,683
Listed on March 31, 2026
Taman Perling 2 Storey Low Cost,Jalan Camar,Johor Bahru,Unblock
johor bahru
€ 80,598
Listed on June 13, 2026
Bandar Putra Single Storey Terrace,Jalan Tiong,Kulai,Renovated,Extend
kulai
€ 103,505
Listed on July 18, 2026
Taman Sri Pulai 1 Sty Low Cost Corner Lot,Jalan Rotan,Johor Bahru,Renovated
skudai
€ 111,989
Listed on July 29, 2026
Taman Kota Masai 1 Sty Terrace,Jalan Bacang,Pasir Gudang,Renovated
ktoa masai
€ 98,627
Listed on March 11, 2026
Permas Jaya Double Storey Low Cost,Renovated,Extend,Johor Bahru
permas jaya
€ 84,416
Listed on March 27, 2026
Bandar Seri Alam Double Storey Terrace,Jalan Bukit,Pasir Gudang,Renovated
pasir gudang
€ 120,473
Listed on April 21, 2026
Taman Pulai Mutiara 2 Sty Endlot with Land,Bare Unit,Johor Bahru
pulai mutiara
€ 134,684
Listed on March 6, 2026
Taman Puteri Wangsa 2 Sty Terrace,Jalan Badik,Ulu Tiram,Renovated
ulu tiram
€ 114,110
Listed on August 25, 2026
Taman Skudai Baru 2 Sty Terrace,Jalan Hang Tuah,Skudai,Renovated
skudai
€ 148,046
Listed on August 6, 2026
Taman Puteri Park 2 Sty Endlot,Jalan Puteri 2/3,Ulu Tiram,Renovated,Extend
ulu tiram
€ 156,530
Listed on April 24, 2026
Taman Redang Medium Cost Flat,Level 3,Molek,Johor Bahru,Harmoni Utama
johor bahru
€ 46,662
Listed on September 7, 2026
Taman Abad 1 Sty Terrace,Jalan Landak Kelubi,Jb Town,Renovated,Extend
johor bahru
€ 165,014
Listed on July 21, 2026
Taman Rinting Low Cost Flat,Balau Flat,Masai,Level 1,Pasir Gudang
masai
€ 42,208
Listed on July 20, 2026
Kipark Apartment,Level 5,Tampoi,Skudai,Full Loan,Bumi Lot,Johor Bahru
skudai
€ 67,872
Listed on July 8, 2026
Taman Kota Masai 2 Storey Medium Cost Corner Lot,Renovated,Full Loan
masai
€ 95,445
Listed on September 11, 2026
Taman Desa Harmoni 1 Sty Terrace,Jalan Harmoni,Johor Bahru,Molek
johor bahru
€ 95,445
Listed on July 25, 2026
Taman Angkasa 1 Sty Terrace,Jalan Bintang,Senai,Original Condition
senai
€ 92,264
Listed on July 20, 2026
Johor Jaya 1 Sty Terrace,Jalan Anggerik,Johor Bahru,Renovated,Extend
johor jaya
€ 124,079
Listed on July 24, 2026
Taman Bestari Indah 1 Sty Terrace Corner Lot,Renovated,Unblock,Ulu Tiram
ulu tiram
€ 139,562
Listed on September 3, 2026
Taman Johor Jaya 2 Sty Shop Lot,Jalan Teratai,Johor Bahru,1st Floor
johor jaya
€ 318
Listed on August 10, 2026
Taman Senai Utama Single Storey Terrace,Renovated,Senai,Kulai
senai
€ 92,900
Listed on April 20, 2026
Taman Rinting 1 Sty Low Cost Shop Lot,Jalan Ketapang,Masai,Roi 4.5
rinting
€ 84,840
Listed on April 22, 2026
bandar putra kulai
jalan kenari
€ 97,142
Listed on February 26, 2026
Taman Pulai Indah Double Storey Terrace,Skudai,Unblock View,Renovated
skudai
€ 134,684
Listed on April 10, 2026
Taman Johor Jaya 1 Sty Terrace,Jalan Dedap,Johor Bahru,Renovated
johor bahru
€ 124,715
Listed on July 17, 2026
Taman Scientex 2 Sty Terrace,Jalan Kijang,Pasir Gudang,Masai,Seri Alam
pasir gudang
€ 75,296
Listed on March 30, 2026
Bandar Seri Alam 2 Sty Low Cost,Jalan Suria,Masai,Renovated,Extend
jalan suria
€ 80,174
Listed on March 14, 2026
Pulai Perdana Low Cost Flat,High Floor,Skudai,Full Loan,Johor Bahru
skudai
€ 29,270
Listed on September 6, 2026
Taman Rinting Low Cost Flat,Geharu Flat,Masai,Renovated,Level 1
masai
€ 54,722
Listed on July 31, 2026
Taman Pulai Mutiara 2.5 Sty Terrace,Kangkar Pulai,Johor Bahru,Gng
pulai mutiara
€ 124,715
Listed on March 7, 2026
Taman Megah Ria Double Storey Endlot,Jalan Jelatang,Masai,Original
masai
€ 139,986
Listed on August 22, 2026
Taman Damai Jaya 2 Sty Low Cost,Jalan Makmur,Skudai,Renovated,Extend
skudai
€ 86,961
Listed on July 20, 2026
Bandar Indahpura 2 Sty Endlot,Jalan Melati,Kulai,Renovated,Medium Cost
kulai
€ 99,263
Listed on April 12, 2026
Taman Sri Skudai 1 Sty Low Cost,Jalan Emas,Skudai,Renovated,Extend
skudai
€ 88,658
Listed on June 10, 2026
Taman Puteri Wangsa 1 Sty Terrace,Jalan Keris,Ulu Tiram,Renovated,Extend
ulu tiram
€ 97,566
Listed on April 13, 2026
Taman Universiti 1 Sty Terrace,Jalan Pertanian,Skudai,Renovated,Extend
skudai
€ 108,171
Listed on September 4, 2026
Taman Bukit Kempas 2 Sty Corner Lot,Johor Bahru,Renovated,Extend
skudai
€ 148,046
Listed on September 11, 2026
Taman Damai Jaya 2 Sty Low Cost,Jalan Aman,Skudai,Renovated,Extend
skudai
€ 83,780
Listed on July 17, 2026
Taman Universiti 1 Sty Terrace,Jalan Penyiaran,Skudai,Renovated,Extend
skudai
€ 107,747
Listed on August 1, 2026
Pangsapuri Sri Delima,Level 1,Seri Alam,Masai,Renovated,Pasir Gudang
masai
€ 46,238
Listed on April 16, 2026
Bandar Bukit Mahkota 2 Sty Cluster,Bangi,Selangor,Kajang,Renovated
selangor
€ 112,413
Listed on March 14, 2026
Kota Masai 2 Sty Low Cost,Jalan Tembikai,Pasir Gudang,Renovated
pasir gudang
€ 76,356
Listed on July 15, 2026
Taman Daya 2 Sty Low Cost,Jalan Pinang,Johor Bahru,Renovated,Extend
johor bahru
€ 90,779
Listed on April 22, 2026
Taman Desa Cemerlang 2 Sty Low Cost,Jalan Lanjut,Ulu Tiram,Renovated
desa cemerlang
€ 88,658
Listed on March 24, 2026
Sri Pulai Perdana 2 Sty Corner Lot,Kangkar Pulai,Renovated,Extend,Skudai
skudai
€ 141,683
Listed on March 30, 2026
Bukit Indah 1 Sty Terrace,Jalan Indah,Johor Bahru,Renovated,Extend
johor bahru
€ 145,925
Listed on July 24, 2026
Taman Bukit Indah 1 Sty Terrace,Iskandar Puteri,Renovated,Nusajaya
gelang patah
€ 127,260
Listed on March 19, 2026
Taman Pulai Utama 1 Sty Endlot with Land,Jalan Pulai,Skudai,Full Loan
pulai utama
€ 126,836
Listed on March 13, 2026
Taman Sri Skudai 1 Sty Low Cost,Jalan Tembaga Kuning,Skudai,Renovated
skudai
€ 90,779
Listed on August 21, 2026
Taman Ehsan Jaya 1 Sty Terrace,Jalan Ej,Johor Bahru,Renovated,Extend
johor bahru
€ 116,231
Listed on July 16, 2026
Taman Nusantara 2 Sty Medium Cost,Jalan Nusaria,Gelang Patah,Renovated
gelang patah
€ 101,808
Listed on July 24, 2026
Taman Skudai Baru 2 Sty Terrace,Jalan Hang Tuah,Skudai,Renovated
skudai
€ 148,046
Listed on August 2, 2026
Taman Sri Sentosa 2 Sty Low Cost Corner Lot,Jalan Sentosa,Kulai,Renovated
kulai
€ 92,688
Listed on April 20, 2026
Taman Suria Kluang 1 Sty Terrace,Jalan Bidara,Kluang,Unblock View
kluang
€ 62,570
Listed on July 4, 2026
Taman Johor Jaya 1 Sty Terrace,Jalan Bakawali,Johor Bahru,Renovated
johor bahru
€ 126,836
Listed on April 17, 2026
Taman Sri Skudai 1.5 Storey Terrace,Jalan Tembaga Merah,Renovated
skudai
€ 103,505
Listed on July 21, 2026
Taman Rinting 1 Sty Terrace,Jalan Tembusu,Masai,Bumi Lot,Renovated
masai
€ 120,473
Listed on March 24, 2026
Bandar Bestari Perdana 2 Sty Terrace,Jalan Ixora,Pasir Gudang,Renovated
pasir gudang
€ 90,779
Listed on September 9, 2026
Taman Kempas Indah 1 Sty Terrace,Renovated,Extend,Johor Bahru
kempas indah
€ 118,776
Listed on March 16, 2026
Taman Sri Skudai 1 Sty Low Cost Corner,Tembaga Kuning,Skudai,Renovated
skudai
€ 114,110
Listed on July 24, 2026
Taman Cahaya Masai 2 Sty Medium Cost Corner Lot,Full Loan,Unblock
masai
€ 86,537
Listed on August 6, 2026
Taman Impian Emas 1.5 Storey Terrace,Skudai,Renovated,Johor Bahru
skudai
€ 148,046
Listed on April 9, 2026
Taman Bestari Indah 1 Sty Terrace,Ulu Tiram,Renovated,Bumi Lot,Unblock
ulu tiram
€ 97,566
Listed on July 16, 2026
Ungku Tun Aminah Low Cost Flat,Skudai,Ground Floor,Full Loan
skudai
€ 44,541
Listed on July 14, 2026
Tasek 64 Low Cost Flat,Jalan Tasek,Masai,Seri Alam,Megah Ria,Low Floor
masai
€ 41,996
Listed on August 11, 2026
Taman Pulai Emas 1 Sty Terrace,Renovated,Johor Bahru,Full Loan,Extend
johor bahru
€ 92,900
Listed on April 22, 2026
Taman Mutiara Utama 2 Sty Terrace,Skudai Precinct 2,Unblock View
skudai
€ 162,893
Listed on April 14, 2026
Taman Johor Jaya 2 Sty Low Cost Corner Lot,Jalan Keembong,Johor Bahru
johor bahru
€ 145,925
Listed on May 6, 2026
Taman Muhibbah 2 Sty Low Cost Endlot,Jalan Jambu Bol,Kulai,Saleng,Renovated
kulai
€ 73,811
Listed on September 9, 2026
Taman Kota Masai 2 Sty Terrace,Jalan Jambu,Pasir Gudang,Renovated
kota masai
€ 95,445
Listed on May 2, 2026
Taman Megah Ria 2 Sty Low Cost,Jalan Bayan,Masai,Renovated
masai
€ 73,811
Listed on August 28, 2026
Taman Flora Height Low Cost Flat,Level 1,Corner Lot,SeriAlam,Masai
masai
€ 46,238
Listed on June 26, 2026
Taman Scientex 2.5 Storey Terrace,Jalan Tiong,Pasir Gudang,Renovated
pasir gudang
€ 97,142
Listed on April 17, 2026
Taman Plentong Baru 2 Sty Low Cost Endlot,Jalan Kemboja,Masai,Renovated
masai
€ 92,900
Listed on September 5, 2026
Pangsapuri Sri Meranti
Persiaran Meranti, Bandar Sri Damansara
€ 46,238
Listed on February 2, 2026
Bandar Selesa Jaya Low Cost Flat,Skudai,Level 3,Renovated,Full Loan
selesa jaya
€ 35,633
Listed on April 17, 2026
Taman Desa Cemerlang 2 Sty Low Cost,Jalan Melunak,Ulu Tiram,Reno
ulu tiram
€ 80,174
Listed on June 12, 2026
Taman Bukit Dahlia 2 Sty Endlot,Jalan Sekuntum,Pasir Gudang,Renovated
pasir gudang
€ 101,808
Listed on August 5, 2026
Taman Bukit Mutiara Double Storey Terrace,Bandar Dato Onn,Bumi Lot
johor bahru
€ 118,776
Listed on September 11, 2026
Taman Gembira 1 Sty Terrace,Jalan Riang,Tampoi,Renovated,Extend
johor bahru
€ 118,352
Listed on August 24, 2026
Bayu Puteri 2 Apartment,Level 4 with Lift,Johor Bahru,Renovated,Full Loan
johor bahru
€ 75,932
Listed on July 6, 2026
Taman Scientex Utama 2 Sty Endlot,Senai,Kulai,Johor Bahru,Full Loan
senai
€ 122,594
Listed on August 3, 2026
Balau Low Cost Flat,Taman Rinting,Masai,Low Floor,Renovated,Full Loan
masai
€ 38,178
Listed on August 11, 2026
Taman Skudai Baru 2 Sty Terrace,Jalan Hang Kasturi,Skudai,Renovated
skudai
€ 150,167
Listed on April 13, 2026
Taman Molek 1.5 Sty Terrace,Gng,Johor Bahru,Unblock View,Renovated
molek
€ 133,199
Listed on April 1, 2026
Taman Utama 1 Sty Terrace Endlot,Renovated,Pekan Nenas,Jalan Utama
pekan nenas
€ 101,808
Listed on April 21, 2026
Taman Kobena 2 Sty Terrace,Jalan Subang,Tampoi,Johor Bahru,Rneovated
tampoi
€ 104,990
Listed on September 3, 2026
Taman Damai Jaya
Jalan Makmur Taman Damai Jaya
€ 77,417
Listed on February 2, 2026
Taman Bestari Indah Single Storey Terrace,Renovated,Ulu Tiram
ulu tiram
€ 105,626
Listed on August 27, 2026
Taman Damai Jaya 2 Sty Low Cost Endlot,Jalan Tenang,Skudai,Renovated
damai jaya
€ 90,779
Listed on March 18, 2026
Taman Impian Emas Low Cost Flat,Jalan Impian Emas,Skudai,Level 4
skudai
€ 38,178
Listed on August 22, 2026
Taman Johor Jaya 1 Sty Low Cost,Jalan Bakawali,Johor Jaya,Renovated
johor jaya
€ 90,779
Listed on April 3, 2026
Taman Megah Ria 2 Sty Low Cost,Jalan Bayan,Masai,Renovated,Extend
masai
€ 84,416
Listed on August 21, 2026
Taman Pulai Utama 2 Sty Terrace, Jalan Pulai,Johor Bahru,Renovated
pulai utama
€ 133,199
Listed on April 18, 2026
Kangkar Pulai 2 Sty Rmmj,Jalan Pandan,Pulai Hijauan,Renovated,Extend
skudai
€ 97,142
Listed on July 6, 2026
Bandar Seri Alam 1 Sty Terrace,Jalan Suria,Masai,Unblock View,Bumi Lot
seri alam
€ 111,989
Listed on March 18, 2026
Taman Dahlia Single Storey Low Cost,Tampoi,Johor Bahru,Renovated
tampoi
€ 76,356
Listed on July 29, 2026
Taman Universiti 1 Sty Low Cost,Jalan Kejayaan,Skudai,Renovated
skudai
€ 84,416
Listed on September 10, 2026
Bandar Seri Alam 2 Sty Terrace,Jalan Bayu,Masai,Renovated,Full Loan
pasir gudang
€ 103,505
Listed on September 15, 2026
Taman Kulai Besar 1 Sty Terrace Endlot,Jalan Jambu Laut,Kulai,Renovated
kulai
€ 92,900
Listed on August 21, 2026
Pangsapuri Sri Delima Medium Cost Flat,Level 1,Seri Alam,Renovated
pasir gudang
€ 46,238
Listed on April 4, 2026
Permas Jaya 2 Sty Low Cost Corner Lot,Unblock View,Masai,Renovated
permas jaya
€ 123,018
Listed on July 14, 2026
Taman Sri Skudai 1 Sty Terrace,Jalan Suasa,Skudai,Renovated,Extend
jalan suasa
€ 116,231
Listed on March 18, 2026
Taman Rinting 2 Sty Low Cost,Jalan Gelam,Masai,Renovated,Unblock
taman rinting
€ 84,416
Listed on March 11, 2026
Taman Pelangi 2 Sty Semi D,Jalan Cermat,Johor Bahru,Jb Town,Full Loan
johor bahru
€ 294,819
Listed on March 26, 2026
puteri wangsa single storey terrace
jalan lembing
€ 107,111
Listed on March 3, 2026
Taman Desa Skudai 1 Sty Terrace,Jalan Harmoni,Skudai,Renovated,Extend
skudai
€ 120,473
Listed on April 10, 2026
Setia Sky 88,Jb Town,Ciq,Blok B,Low Floor,Fully Furnisehd
johor bahru
€ 615 /month
Listed on September 1, 2026
Taman Desa Harmoni 2 Sty Low Cost,Johor Bahru,Molek,Unblock,Full Loan
molek
€ 82,295
Listed on August 14, 2026
Bandar Selesa Jaya 2 Sty Terrace,Jalan Silat Harimau,Skudai,Renovated
skudai
€ 148,046
Listed on August 26, 2026
Taman Pulai Mutiara 2 Sty Terrace,Brand New,Johor Bahru,Skudai,Erica
skudai
€ 122,594
Listed on April 17, 2026
Taman Nusantara 2 Sty Medium Cost,Gelang Patah,Renovated,Extend
nusantara
€ 114,110
Listed on March 12, 2026
Taman Puteri Wangsa 1 Sty Terrace Endlot,Jalan Keris,Ulu Tiram,Renovated
ulu tiram
€ 116,231
Listed on August 21, 2026
Taman Universiti 1 Sty Terrace,Jalan Perubatan,Skudai,Renovated
skudai
€ 102,869
Listed on July 16, 2026
Platino Apartment,Paradigm Mall,Taman Bukit Mewah,Skudai,Furnished
skudai
€ 382 /month
Listed on July 8, 2026
Taman Puncak Warisan 2 Sty Terrace,Kulai,Kota Tinggi,Brand New,Full Loan
kulai
€ 84,840
Listed on July 8, 2026
Taman Sri Skudai 1 Sty Terrace,Jalan Emas,Skudai,Bumi Lot,Fully Renovated
skudai
€ 109,868
Listed on August 8, 2026
Taman Puteri Wangsa 1 Sty Endlot,Jalan Lading,Ulu Tiram,Renovated
ulu tiram
€ 104,990
Listed on March 27, 2026
Taman Rinting 1.5 Sty Terrace,Jalan Tembusu,Masai,Renovated,Extend
masai
€ 120,473
Listed on March 29, 2026
Pan Vistar Apartment,Permas Jaya,Johor Bahru,High Floor,Renovated
johor bahru
€ 86,537
Listed on August 20, 2026
Taman Megah Medium Cost Flat,Low Floor,Pontian,Renovated,Full Loan
pontian
€ 41,996
Listed on September 8, 2026
Bandar Baru Uda 1 Sty Terrace,Jalan Padi,Johor Bahru,Bumi Lot,Renovated
johor bahru
€ 116,655
Listed on April 4, 2026
Bandar Baru Uda Double Storey Terrace,Renovated,Johor Bahru,Tampoi
skudai
€ 128,957
Listed on July 8, 2026
Taman Bukit Mutiara 2 Sty Terrace,Renovated,Johor Bahru,Dato Onn
dato onn
€ 152,288
Listed on March 19, 2026
Taman Universiti 1 Sty Corner Lot,Jalan Kemuliaan,Skudai,Renovated,Extend
skudai
€ 154,409
Listed on September 8, 2026
Pangsapuri Cengal Low Cost Flat,Low Floor,Taman Putri Kulai,Level 1
kulai
€ 48,359
Listed on September 2, 2026
Taman Perling Camar Low Cost Flat,Ground Floor,Johor Bahru,Renovated
johor bahru
€ 42,420
Listed on July 21, 2026
Taman Desa Jaya 2 Sty Terrace,Jalan Lembah,Johor Bahru,Renovated
johor bahru
€ 148,046
Listed on April 20, 2026
Taman Rinting 2 Sty Low Cost Endlot,Jalan Geharu,Masai,Renovated
masai
€ 97,142
Listed on April 2, 2026
Taman Sri Skudai 2 Sty Terrace,Jalan Emas,Skudai,Renovated,Extend
skudai
€ 145,925
Listed on July 22, 2026
Taman Pelangi 2 Storey Corner Lot,Jalan Sri Pelangi,Jb Town,Renovated
johor bahru
€ 292,698
Listed on August 25, 2026
Taman Tampoi Utama 3 Sty Terrace,Sri Perkasa,Johor Bahru,Unblock
tampoi
€ 139,350
Listed on August 16, 2026
Pangsapuri Sri Delima Flat,Seri Alam,Pasir Gudang,Renovated,Level 3
seri alam
€ 40,299
Listed on March 30, 2026
Taman Daya 1 Sty Terrace Endlot,Jalan Rumbia,Johor Bahru,Bumi Lot
johor bahru
€ 119,837
Listed on September 1, 2026
Taman Sri Pulai 1 Sty Low Cost,Jalan Rotan,Kangakr Pulai,Renovated
kangkar pulai
€ 86,537
Listed on June 12, 2026
Puteri Wangsa 1 Sty Corner Lot,Jalan Keris,Ulu Tiram,Original Condition
ulu tiram
€ 148,046
Listed on May 7, 2026
Taman Mas 1 Sty Terrace Endlot,Jalan Sabar,Kulai,Renovated,Bumi Lot
taman mas
€ 99,263
Listed on March 19, 2026
Taman Puteri Wangsa 1 Sty Terrace,Jalan Lembing,Ulu Tiram,Renovated
ulu tiram
€ 103,505
Listed on September 1, 2026
Desa Rakyat Perdana Low Cost Flat,Ground Floor,Pasir Gudang,Bumi Lot
pasir gudang
€ 44,541
Listed on July 29, 2026
Taman Rinting 1 Sty Terrace,Masai,Pasir Gudang,Full Loan,Renovated
rinting
€ 101,808
Listed on August 5, 2026
Bestari Indah 2 Sty Terrace,Puteri Wangsa,Ulu Tiram,Renovated,Full Loan
ulu tiram
€ 118,352
Listed on September 10, 2026
Denai Nusantara Apartment,Gelang Patah,Full Loan,Renovated,Mid Floor
iskandar puteri
€ 73,175
Listed on July 3, 2026
Taman Desa Jaya 1 Sty Corner Lot,Jalan Permatang,Johor Bahru,Renovated
desa jaya
€ 135,320
Listed on March 7, 2026
Taman Jp Perdana 1 St yTerrace,Johor Bahru,Renovated,Extend,Bumi Lot
johor bahru
€ 97,566
Listed on August 27, 2026
Plentong Baru 2 Sty Terrace,Renovated,Permas Jaya,Masai,Extend
plentong baru
€ 128,957
Listed on March 11, 2026
Bandar Uda Utama 2 Sty Corner Lot,Jalan Uda Utama,Perling,Skudai,Gng
skudai
€ 194,708
Listed on August 3, 2026
Taman Nusantara 2 Sty Medium Cost,Jalan Nusaria,Gelang Patah,Renovated
gelang patah
€ 114,110
Listed on August 6, 2026
Taman Desa Jaya 1 Sty Terrace,Jalan Danau,Johor Bahru,Renovated
desa jaya
€ 116,231
Listed on June 10, 2026
Taman Puteri Wangsa 2 Sty Low Cost,Jalan Lading,Ulu Tiram,Renovated
puteri wangsa
€ 78,053
Listed on April 17, 2026
Taman Megah Ria 2 Sty Low Cost,Jalan Cenderai,Masai,Renovated
pasir gudang
€ 86,961
Listed on June 11, 2026
Taman Mawar 2 Sty Terrace,Jalan Mawar,Pasir Gudang,Renovated,Full Loan
pasir gudang
€ 95,021
Listed on July 23, 2026
Taman Rinting 2 Sty Low Cost,Jalan Gelam,Masai,Renovated,Extend
masai
€ 63,630
Listed on July 18, 2026
Taman Pulai Indah Double Storey Terrace,Johor Bahru,Skudai,Renovated
pulai indah
€ 116,231
Listed on April 18, 2026
Taman Nesa 1 Sty Low Cost,Jalan Ronggeng,Skudai,Renovated,Extend
skudai
€ 86,961
Listed on July 29, 2026
Bandar Seri Alam 2 Sty Low Cost,Renovated,Extend,Pasir Gudang,Jalan Tasek
masai
€ 76,356
Listed on September 8, 2026
Ehsan Jaya Shop Apartment,Blok M,Level 2,Johor Bahru,Low Floor
ehsan jaya
€ 50,480
Listed on July 29, 2026
Taman Mutiara Rini 2 Sty Terrace,Jalan Jasa,Skudai,Renovated,Extend
skudai
€ 128,957
Listed on July 24, 2026
Taman Teratai 1 Sty Low Cost,Jalan Lumpit,Skudai,Renovated,Extend
skudai
€ 86,749
Listed on August 3, 2026
Taman Skudai Baru 1 Sty Terrace,Jalan Hang Kasturi,Skudai,Renovated,Bumi Lot
skudai
€ 101,808
Listed on July 31, 2026
Taman Johor Jaya 1 Sty Terrace,Jalan Keembong,Johor Bahru,Renovated,Extend
johor jaya
€ 131,078
Listed on August 31, 2026
Taman Rinting 1 Sty Endlot,Jalan Geharu,Masai,Renovated,Full Loan
masai
€ 120,897
Listed on August 15, 2026
Nusa Idaman Precint 8,Renovated,2 Sty Terrace,Gelang Patah,Extend,Gng
gelang patah
€ 201,495
Listed on July 30, 2026
Desa Tebrau Sri Lanang Low Cost Flat,Jalan Harmonium,Johor Bahru,Renovated
johor bahru
€ 52,601
Listed on April 28, 2026
Bandar Dato Onn 2 Sty Terrace,Jalan Perjiranan,Johor Bahru,Renovated
johor bahru
€ 173,922
Listed on July 30, 2026
Taman Mawar Double Storey,Jalan Mawar,Pasir Gudang,Renovated
pasir gudang
€ 90,779
Listed on September 4, 2026
Taman Nusantara 2 Sty Medium Cost,Jalan Nusaria,Gelang Patah,Full Loan
gelang patah
€ 101,808
Listed on April 3, 2026
Taman Desa Tebrau 2 Sty Terrace,Jalan Harmonium,Johor Bahru,Renovated
johor bahru
€ 167,135
Listed on August 29, 2026
Kangkar Pulai Pangsapuri Kenari Low Cost Flat,Full Loan,Level 4,Skudai
skudai
€ 31,391
Listed on September 15, 2026
Ulu Tiram Agricultural Land,Johor Bahru,Freehold,Flat Land
plentong
€ 2,217,378
Listed on June 11, 2026
Taman Johor Single Storey Terrace,Jalan Panti,Johor Bahru,Renovated
johor bahru
€ 103,505
Listed on July 4, 2026
Taman Wawasan 2 Sty Low Cost,Jalan Rajawali,Kulai,Renovated,Full Loan
kulai
€ 71,690
Listed on August 28, 2026
Taman Sri Muhibbah 2 Sty Low Cost,Jalan Bunga Kertas,Kulai,Renovated
kulai
€ 77,417
Listed on April 16, 2026
Taman Rinting Low Cost Flat,Jalan Ketapang,Masai,Level 5,Renovated
masai
€ 39,875
Listed on July 1, 2026
Taman Muhibbah 2 Sty Low Cost,Jalan Jambu Air,Saleng,Extend
taman muhibbah
€ 59,388
Listed on March 7, 2026
Bukit Indah 2 Sty Endlot,Jalan Indah,Iskandar Puteri,Renovated,Extend
bukit indah
€ 181,982
Listed on March 29, 2026
Bandar Putra Kulai Single Storey Terrace,Jalan Merbuk,Kulai,Renovated
johor bahru
€ 103,505
Listed on September 13, 2026
Nusantara Prima 2 Sty Endlot,Jalan Prima,Gelang Patah,Endlot,Renovated
gelang patah
€ 127,260
Listed on May 1, 2026
Taman Cahaya Masai 2 Sty Medium Cost,Jalan Berlian,Pasir Gudang,Renovated
pasir gudang
€ 80,174
Listed on August 29, 2026
Taman Nusa Bestari 2 Sty Terrace,Jalan Nb,Skudai,Renovated,Bukit Indah
nusa bestari
€ 154,409
Listed on March 19, 2026
Taman Muhibbah 2 Sty Low Cost,Jalan Jambu Mawar,Saleng,Kulai,Renovated
kulai
€ 63,206
Listed on July 21, 2026
Pasir Gudang Double Storey Terrace,Jalan Sejambak,Johor Bahru,Renovated
pasir gudang
€ 116,231
Listed on August 13, 2026
Permas Jaya 2 Sty Low Cost,Renovated,Extend,Johor Bahru,Jalan Permas
permas jaya
€ 92,900
Listed on March 14, 2026
Taman Muhibbah 2 Sty Low Cost,Jalan Jambu Air,Kulai,Senai,Renovated
senai
€ 73,811
Listed on September 14, 2026
taman johor single storey terrace
taman johor
€ 116,655
Listed on March 3, 2026
Pulai Utama Low Cost Flat,Skudai,Johor Bahru,Level 1,Full Loan
skudai
€ 46,238
Listed on July 16, 2026
Taman Universiti 1 Sty Terrace,Jalan Kemuliaan,Skudai,Renovated,Extend
skudai
€ 105,838
Listed on July 5, 2026
Taman Sri Skudai 1 Sty Semi D,Jalan Emas,Skudai,Unblock View,Renovated
sri skudai
€ 143,804
Listed on March 10, 2026
Persiaran Tanjung Apartment,Tampoi,Skudai,Johor Bahru,High Floor
skudai
€ 58,964
Listed on April 9, 2026
Taman Sri Saujana 2 Sty Corner Lot,Renovated,Jalan Ss,Full Loan,Extend
kota tinggi
€ 133,199
Listed on April 20, 2026
Taman Mutiara Rini 2 Sty Corner Lot,Jalan Utama,Skudai Unblock View,Renovated
skudai
€ 265,125
Listed on September 3, 2026
Taman Universiti 1 Sty Low Cost,Jalan Pertanian,Skudai,Renovated
taman universiti
€ 86,537
Listed on March 7, 2026
Sri Putra Apartment,Bandar Putra Kulai,Level 1,Full Loan,Ioi Mall
kulai
€ 54,722
Listed on August 25, 2026
Taman Utama 2 Sty Low Cost,Jalan Utama,Pekan Nanas,Renovated,Full Loan
pekan nanas
€ 63,206
Listed on July 22, 2026
Taman Skudai Baru 2 Sty Terrace,Jalan Hang Kasturi,Skudai,Renovated
skudai
€ 148,046
Listed on September 2, 2026
Taman Nusa Damai 2 Sty Terrace,Jalan Riang,Pasir Gudang,Renovated
pasir gudang
€ 103,505
Listed on April 21, 2026
Bandar Seri Alam 2 Sty Low Cost,Jalan Tasek,Masai,Pasir Gudang,Renovated
masai
€ 76,356
Listed on July 21, 2026
senai utama single storey terrace
senai utama
€ 92,900
Listed on March 3, 2026
Taman Nusa Damai 2 Sty Endlot,Jalan Tenteram,Pasir Gudang,Unblock View
nusa damai
€ 133,623
Listed on March 16, 2026
Tanjung Puteri Apartment,Pasir Gudang,Level 4,Bumi Lot,Renovated
tanjung puteri
€ 46,238
Listed on March 10, 2026
Taman Muhibbah 2.5 Sty Terrace,Jalan Jambu,Saleng,Senai,Renovated
taman muhibbah
€ 109,868
Listed on March 30, 2026
Taman Desa Jaya Double Storey Low Cost,Renovated,Extend,Johor Bahru
desa jaya
€ 75,296
Listed on April 7, 2026
Taman Sri Pulai 1 Sty Low Cost,Jalan Lumpit,Skudai,Renovated,Extend
skudai
€ 73,811
Listed on September 6, 2026
Taman Universiti 1 Sty Low Cost,Jalan Perubatan,Skudai,Renovated
skudai
€ 75,932
Listed on June 13, 2026
Taman Desa Kempas Low Cost Flat,,Johor Bahru,Level 4,Renovated
johor bahru
€ 39,875
Listed on April 12, 2026
Taman Megah Ria 1.5 Sty Semi D,Jalan Api Api,Masai,Renovated,Extend
masai
€ 144,228
Listed on August 22, 2026
Taman Ungku Tun Aminah 1 Sty Terrace,Jalan Laksamana,Skudai,Renovated
skudai
€ 135,320
Listed on July 17, 2026
Kangkar Pulai 2 Sty Corner Lot,Jalan Pulai Aman,Citrine Hills,Skudai,Gng
kangkar pulai
€ 186,648
Listed on March 8, 2026
Molek Low Cost Flat,Fully Renovated,High Floor,Johor Bahru,Jalan Molek
johor bahru
€ 37,754
Listed on March 25, 2026
Nusa Bayu 2 Sty Endlot,Gelang Patah,Iskandar Puteri Rmmj,Unblock View
gelang patah
€ 99,687
Listed on April 4, 2026
Tmn Sri Muhibbah 2 Sty Terrace Endlot,Jalan Bunga Kertas,Kulai Jaya
kulai
€ 88,870
Listed on July 6, 2026
Bandar Baru Uda Low Cost Flat,Susur Barli,Tampoi,Skudai,Renovated
tampoi
€ 42,420
Listed on July 30, 2026
Taman Johor Single Storey Terrace,Jalan Panti,Johor Bahru,Renovated,Extend
johor bahru
€ 111,989
Listed on April 30, 2026
Bandar Putra Kulai 2 Sty Low Cost,Renovated,Jalan Cengal,Full Loan
kulai
€ 76,144
Listed on March 25, 2026
Taman Muhibbah 2 Sty Terrace,Jalan Jambu,Kulai,Renovated,Senai,Extend
kulai
€ 97,142
Listed on March 26, 2026
Ulu Tiram Rumah Pangsa,Taman Bukit Tropika,Low Cost,Level 1
ulu tiram
€ 44,541
Listed on July 27, 2026
Taman Nusantara 2 Sty Medium,Unblock View,Gelang Patah,Renovated,Extend
iskandar puteri
€ 112,413
Listed on March 30, 2026
Taman Nesa Single Sty Low Cost,Jalan Joget,Skudai,Renovated,Extend
skudai
€ 84,628
Listed on June 13, 2026
Taman Desa Tebrau 3 Storey Shop Lot,Jalan Harmonium,Johor Bahru
johor bahru
€ 381,780
Listed on April 15, 2026
Taman Pulai Mutiara 2.5 Sty Terrace,Johor Bahru,Skudai,Kangkar Pulai
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€ 124,715
Listed on March 19, 2026
Taman Seri Orkid Low Cost Flat,Skudai,Level 2,Blk B,Low Floor
skudai
€ 42,420
Listed on July 27, 2026
Taman Bukit Perdana 2 Sty Medium Cost,Renovated,Extend,Batu Pahat
batu pahat
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Flat Sri Indah,Level 2,Blok A,Tampoi,Kipmall,Plaza Angsana,Skudai
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Taman Scientex 2 Sty Terrace,Jalan Kedidi,Pasir Gudang,Renovated
pasir gudang
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Listed on July 15, 2026
Bandar Putra Kulai Double Storey Low Cost,Jalan Ara,Kulai,Renovated
kulai
€ 73,811
Listed on April 9, 2026
Taman Pulai Indah 2 Sty Cluster,Skudai,Hazel Clavillia,Kangkar Pulai
kangkar pulai
€ 159,075
Listed on March 16, 2026
Horizon Hill - Canal Garden (North),Iskandar Puteir,Gelang Patah,Renovated
iskandar puteri
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Listed on August 20, 2026
Setia Eco Garden 2 Sty Medium Cost,Jalan Laman Setia,Gelang Patah
gelang patah
€ 95,021
Listed on July 20, 2026
Taman Scientex 2 Sty Terrace,Kulai,Bumi Lot,Unblock View,Johor Bahru
kulai
€ 71,054
Listed on July 28, 2026
Taman Teratai Single Storey Low Cost,Jalan Lumpit,Skudai,Kangkar Pulai
skudai
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Listed on April 8, 2026
Taman Puteri Wangsa 2 Sty Low Cost,Jalan Lading,Ulu Tiram,Original
ulu tiram
€ 68,933
Listed on July 11, 2026
Taman Sutra 2 Sty Corner Lot,Jalan Sutra, Saleng,Renovated,Extend,Senai
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€ 109,868
Listed on March 7, 2026
Taman Skudai Baru 2 Sty Terrace,Jalan Hang Kasturi,Skudai,Renovated
skudai
€ 148,046
Listed on June 30, 2026
Contry Garden Central Park,Tampoi,Johor Bahru,Full Loan,High Floor
tampoi
€ 54,722
Listed on July 4, 2026
Tan Sri Yaacob Flat,Jalan Putra,Skudai,Renovated,High Floor,Unblock,Corner
skudai
€ 44,117
Listed on September 10, 2026
Taman Pontian Perdana Double Storey Bungalow,Cassini,Furnished,Renovated
pontian
€ 189,830
Listed on June 12, 2026
Taman Putrimas Single Storey Terrace,Simpang Renggam,Johor,Renovated
simpang renggam
€ 68,933
Listed on July 4, 2026
Bandar Dato Onn 2 Sty Terrace,Jalan Permata,Johor Bahru,Brand New
johor bahru
€ 190,466
Listed on March 31, 2026
Taman Ungku Tun Aminah 2 Sty Terrace,Jalan Nakhoda,Skudai,Renovated
tun aminah
€ 156,530
Listed on March 19, 2026
Taman Sentosa 2 Sty Terrace,Jalan Benang,Johor Bahru,Renovated,Extend
taman sentosa
€ 190,466
Listed on March 9, 2026
Tasek 64 Low Cost Flat,Level 4,Full Loan,Seri Alam,Masai,Pasir Gudang
masai
€ 36,057
Listed on July 23, 2026
Bandar Baru Kangkar Pulai 1 Sty Terrace,Jalan Pulai Mesra,Skudai,Renovated
johor bahru
€ 111,989
Listed on May 5, 2026
Taman Puteri Wangsa 2 Sty Medium Cost,Renovated,Jalan Lembing,Ulu Tiram
ulu tiram
€ 76,356
Listed on August 31, 2026
Taman Bukit Jaya 2 Sty Medium Cost,Endlot with Land,Jalan Denai,Ulu Tiram
bukit jaya
€ 71,690
Listed on March 16, 2026
Bandar Dato Onn 2 Sty Corner Lot,Jalan Permata,Johor Bahru,Original
dato onn
€ 275,730
Listed on April 14, 2026
Taman Desa Cemerlang 3 Sty Shop Lot,Jalan Johar,Ulu Tiram,Level 1
desa cemerlang
€ 255 /month
Listed on March 11, 2026
Taman Megah Ria 2 Sty Low Cost,Jalan Cenderai,Masai,Renovated,Extend
masai
€ 80,174
Listed on April 3, 2026
Taman Bukit Jaya 2 Sty Low Cost,Jalan Denai,Ulu Tiram,Renovated
jalan denai
€ 71,690
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Kelapa Sawit Double Storey Terrace,Scientex,Kulai,Renovated,Extend,Bumi
kulai
€ 82,295
Listed on April 6, 2026
Taman Sentosa 1 Sty Semi D,Jalan Kasa,Johor Bahru,Ciq,Original
johor bahru
€ 250,278
Listed on April 17, 2026
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The tenancy ended three weeks ago. Your tenant is still inside, and your calls go unanswered. Many landlords think the solution is simple: change the locks or cut the utilities. In Malaysia, both can put you on the wrong side of the law. What many landlords do not know is that you may have the right to claim double the rental value for every day a tenant stays beyond the tenancy period. This guide explains the legal steps to recover your property, what actions to avoid, the real timeline and costs, plus the tenancy clause that can help prevent this problem. Key Takeaways A landlord in Malaysia cannot remove a tenant personally. Possession must be recovered through the court under Section 7(2) of the Specific Relief Act 1950. Changing locks, cutting utilities, or removing belongings is illegal, even if stated in the tenancy agreement. Landlords may claim double rent for the holding-over period under Section 28(4)(a) of the Civil Law Act 1956, if done correctly through written notice. Writ of Possession recovers the property. Writ of Distress recovers unpaid rent (up to 12 months). They serve different purposes. Order 89 fast-track eviction does not apply to tenants who continue staying after the tenancy ends. Expect around 3 to 6 months for an uncontested case, and 12 months or longer if the tenant disputes it. Malaysia currently has no Residential Tenancy Act in force. Your stamped tenancy agreement remains your main legal protection. Table of contentsCan a landlord force a tenant to leave in Malaysia?What can a Malaysian landlord legally do, step by step?The Double Rent Rule Most Malaysian Landlords MissHow long does eviction take in Malaysia, and what does it cost?How to Prevent This from Happening AgainFrequently Asked Questions (FAQs) Can a landlord force a tenant to leave in Malaysia? No. The rule is stricter than most landlords expect. Section 7(2) of the Specific Relief Act 1950 requires a landlord to go to court when a tenancy has ended but the tenant remains in possession. You cannot take the property back yourself. The provision came into force on 31 January 1992, removing the old self-help remedy for this situation. Owning the property, unpaid rent, or a lockout clause does not change this. Section 7(2) overrides any contractual right to re-enter and change the locks, making such a clause unenforceable. There is another risk. Section 8 allows an occupier who you unlawfully dispossess to sue for possession. Change the locks yourself, and you could end up defending a court case while paying to put the tenant back in. What landlords cannot legally do ActionLawful?Your exposureChanging the locksNoUnlawful self-help, tenant may sue to recover possessionCutting water, electricity or gasNoUnlawful even with a clause permitting itRemoving the tenant's belongingsNoTrespass to goods, damages claimEntering without notice or consentNoBreach of quiet enjoymentPosting the tenant's details onlineNoPersonal data and defamation exposureServing a written notice to vacateYesRequired first step, keep proof of serviceFiling for possession in courtYesThe only lawful route to get the unit back One more misconception to clear up: the Tribunal for Consumer Claims does not handle residential tenancy disputes. A tenancy involves an interest in land, which falls outside the Tribunal’s jurisdiction. So, if your tenant refuses to leave, you cannot use the Tribunal as a cheap shortcut to recover possession. There is no small-claims route for getting your property back. You need to pursue the proper court process. What can a Malaysian landlord legally do, step by step? There are five steps, and the order matters. Jumping straight to legal action without preparing your documents can make the process slower and more expensive. Step 1: Build Your Case Before You Act Gather your stamped tenancy agreement, payment records, messages, and inventory list. Record the exact date the tenancy expired or ended. Check the stamping too. Under Section 52 of the Stamp Act 1949, an unstamped agreement cannot be admitted as evidence until you pay the required duty and penalty. Fixing this during a dispute can cost you valuable time. For the current e-Duti Setem process, see our guide to tenancy agreement fees and stamp duty. Step 2: Serve a Written Notice to Vacate Your notice should clearly state the parties involved, property address, relevant tenancy clause, outstanding amount if any, and deadline for vacant possession. Use a delivery method you can prove later. Send it by registered post to the tenant’s last known address, and use hand delivery or email if the tenancy agreement permits it. Keep every receipt and proof of delivery. Step 3: Claim Double Rent This is the step many landlords miss. Put the tenant on written notice that you are claiming double rent for the holding-over period. You can include this in the same letter. Step 4: Try One Proper Negotiation Not every dispute needs to reach court. If the tenant faces financial difficulty, offer a firm move-out date in exchange for waiving part of the arrears, but put every agreed term in writing. Compare that with months of litigation. A clean, documented exit can often save more time and money. Step 5: File for Possession and Enforce the Order If the tenant still refuses to leave, have your solicitor file a civil claim for vacant possession. The Magistrates’ Court handles claims up to RM100,000, while the Sessions Court handles claims up to RM1 million. Once the court grants possession and the tenant still refuses to leave, apply for a Writ of Possession. The court bailiff carries out the eviction, not the landlord. Even with a court order, do not change the locks or remove the tenant yourself. The Order 89 myth, correctedSeveral Malaysian guides tell landlords that Order 89 of the Rules of Court 2012 gives a 2 to 3 month fast-track. It does not apply to you. Order 89 is written for squatters and expressly excludes a tenant holding over after the termination of a tenancy. The Court of Appeal confirmed this in Cheow Chew Khoon v Abdul Johari [1995] 1 AMR 759. Budget for the ordinary action. A bad tenant costs more than a vacant unit. Screening, pricing and a properly drafted tenancy can keep you out of court in the first place. Before your next investment, make sure you choose a property with the right location, rental demand and tenant profile. Looking for a property with rental potential? Explore available homes with IQI. The Double Rent Rule Most Malaysian Landlords Miss Under Section 28(4)(a) of the Civil Law Act 1956, a tenant who stays after the tenancy ends can be charged double rent, at the landlord’s option, until they give up possession. That means you may claim twice the rent for every month the tenant continues to occupy the property, not just keep the deposit. The Federal Court confirmed the scope of this rule in Rohasassets Sdn Bhd v Weatherford (M) Sdn Bhd [2020] 1 MLJ 557. You do not need to prove the tenant acted badly or deliberately refused to leave. If you properly exercise the option, the court can allow the claim. What You Need to Do To claim double rent: The tenancy must have genuinely ended, through expiry or valid termination. You must not consent to the tenant staying. Accepting rent without objection could support an argument that a new periodic tenancy exists. You must demand that the tenant vacate. You must state your intention to claim double rent in your statement of claim, as held in Sebumi Magnetik Sdn Bhd v Twinsky Seafood Restaurant [2023] 5 MLJ 813. Example: How Double Rent Adds Up Say your rent is RM2,500 a month and the tenancy ends on 1 March. The tenant leaves seven months later, on 1 October. ClaimAmountOrdinary rent × 7 monthsRM17,500Double rent × 7 monthsRM35,000Additional amountRM17,500 One important point: double rent is based on the market rental value at the relevant time, not necessarily your old contractual rent. If market rents have increased, your potential claim could be higher. The Trap Nobody Flags: Your Two Remedies Can Conflict Landlords often use two separate remedies: a Writ of Distress to recover unpaid rent and a Writ of Possession to recover the property. But the timing matters. A distress claim depends on the landlord-tenant relationship, while double rent only arises after the tenancy has ended. So, ending the tenancy may strengthen your double rent claim while affecting your distress remedy. The right approach depends on the amount owed and whether the tenant has goods that can be seized. Speak to your solicitor before sending a termination or demand letter. Writ of DistressWrit of PossessionRecoversRent arrearsThe propertyLawDistress Act 1951, Order 75 ROC 2012Specific Relief Act 1950, civil suitLimitUp to 12 completed months of arrearsNo monetary capApplicationEx parteInter partesEnforced byCourt bailiff seizes movable goodsCourt bailiff removes occupierEvicts tenant?NoYes After a distress seizure, the tenant receives notice and has six days to settle the debt before the seized goods can proceed to auction. This can give landlords a practical route to recover outstanding rent without waiting for the full possession process. How long does eviction take in Malaysia, and what does it cost? StageTypical durationNotice to vacate and expiry14 days to 1 month, per your agreementFiling to first hearing1 to 3 months, depending on court loadOrder for possession, uncontestedAround 3 to 6 months from first noticeOrder for possession, contested12 months or moreWrit of Possession and bailiff executionAdditional weeks after the order Legal costs can add up quickly. A straightforward, uncontested eviction may cost around RM5,000 to RM15,000 in solicitor’s fees, plus a few hundred ringgit in court filing fees. Contested cases can cost more. The Cost Landlords Often Forget It is not the legal bill. It is the rent you lose while waiting. Juwai IQI data from more than 1,000 rental transactions across three central Kuala Lumpur postcodes found rents had stabilised at RM4,500 to RM5,000 since H2 2024. Co-Founder and Group CEO Kashif Ansari noted that rents in this segment had previously peaked at RM6,454 in H1 2024, a 58% year-on-year increase driven by luxury lettings, according to Free Malaysia Today on 22 April 2026. At RM4,750 a month, six months of delayed recovery means RM28,500 in lost rental income. Your loan instalment, maintenance fees, quit rent and assessment do not stop while the case runs. That is why a properly made double rent claim can make a significant difference. It is also why spending six weeks finding and screening the right tenant can cost less than rushing into a tenancy that ends in court. Not sure what your property should earn? Use our rental yield guide to pressure-test the numbers and read our rental income tax guide for what LHDN expects you to declare. How to Prevent This from Happening Again The best way to avoid an eviction dispute is to catch the warning signs before handing over the keys. Before You Hand Over the Keys Verify income, not just identity. Ask for three months of payslips or bank statements and confirm employment. Call the previous landlord. Ask about payment history, property care and how the tenant left. Collect the full deposit before handover. Do not treat the deposit as optional. Document the property. Photograph the unit and inventory, with date stamps, before handing over the keys. Stamp the tenancy agreement. Use e-Duti Setem on MyTax and check the current requirements and penalties before filing. An unstamped agreement may need to be regularised before it can be used as evidence in court. Four Clauses Every Landlord Should Get Right Termination clause: Set a clear notice period and cure period. Holding-over clause: Reserve the right to claim double rent under Section 28(4)(a) of the Civil Law Act 1956. Default clause: Clearly define what counts as a breach, such as three consecutive months of unpaid rent. Costs clause: Set out how enforcement and legal costs will be handled. A clause you never use costs little. A clause you needed but never included can cost months. For a broader overview, see our landlord and tenant rights and responsibilities guide. What About the Residential Tenancy Act? It is still not law. The Bill has been discussed since 2018, and KPKT described it as being in its final stages in August 2026. However, there is no parliamentary tabling date stated here. Until the Bill is passed, gazetted and brought into force, landlords continue to rely on the stamped tenancy agreement, Contracts Act 1950, Specific Relief Act 1950, Civil Law Act 1956 and Distress Act 1951. For now, your tenancy agreement is your first line of protection. Draft it accordingly. Frequently Asked Questions (FAQs) Can a landlord change the locks if the tenant refuses to leave in Malaysia? No. A landlord cannot change the locks to force out a tenant in Malaysia. Under Section 7(2) of the Specific Relief Act 1950, possession must be recovered through the court, not self-help. Can a landlord cut water or electricity to force a tenant out? No. A landlord cannot cut off water or electricity to force a tenant out. Any tenancy clause allowing this is unenforceable, and the landlord may be liable for doing so. How long can a tenant stay after the tenancy agreement expires? There is no fixed grace period. Once the tenancy expires, the tenant has no right to remain, but the landlord must obtain and enforce a court order to recover possession. Can I charge double rent if my tenant refuses to move out? Yes. Under Section 28(4)(a) of the Civil Law Act 1956, a landlord can claim double rent after the tenancy ends if the tenant stays without consent, is asked to vacate, and the landlord claims double rent in the court action. The Federal Court confirmed in Rohasassets v Weatherford [2020] 1 MLJ 557 that defiance by the tenant does not need to be proven. What is the difference between a Writ of Distress and a Writ of Possession? A Writ of Distress lets the bailiff seize and auction a tenant’s movable goods to recover up to 12 months of rent arrears. It does not evict the tenant. A Writ of Possession is used to recover the property and remove the tenant through the bailiff after a court order for possession. How much does it cost to evict a tenant in Malaysia? Solicitor's fees for a straightforward uncontested eviction suit typically run from around RM5,000 to RM15,000, with court filing fees of a few hundred ringgit. The larger cost is usually lost rent across the recovery period, plus any repair costs. This article is general information about Malaysian property practice and is not legal advice. Tenancy disputes turn on the specific wording of your agreement and the facts of your case. Speak to a qualified Malaysian solicitor before serving any notice or commencing proceedings. Finding a tenant is easy. Finding the right one is what matters. Before you hand over the keys, get the rent right, screen tenants properly, and have the paperwork handled from the start. Speak to an IQI agent about letting your property, with no pressure and no obligation. [custom_blog_form] Continue reading: 5 Things You Should Know About Tenancy Agreement in Malaysia Real Estate 101: A Guide to Tenancy Agreements in Malaysia Do I Need to Pay Tax on Rental Income? A Property Owner's Guide Damansara Rental Yield Guide for Property Investors Starting an Airbnb in Malaysia (2026): A Side-Hustler's Real-Life Guide Sources: Specific Relief Act 1950 (sections 7 and 8); Civil Law Act 1956 (section 28(4)(a)); Distress Act 1951 (section 5); Stamp Act 1949 (sections 47A and 52); Rules of Court 2012 (Orders 75 and 89); Subordinate Courts Act 1948; Rohasassets Sdn Bhd v Weatherford (M) Sdn Bhd [2020] 1 MLJ 557; Sebumi Magnetik Sdn Bhd v Twinsky Seafood Restaurant [2023] 5 MLJ 813; Cheow Chew Khoon v Abdul Johari [1995] 1 AMR 759; Free Malaysia Today, 22 April 2026; LHDN e-Duti Setem, MyTax; KPKT.
Kuala Lumpur, 15 September 2026 Juwai IQI has launched a Property Management Division that will use artificial intelligence to manage commercial properties across the 35 countries where the group operates. The division will be led by PMgr Arevind Pillai, a Property Manager registered with the Board of Valuers, Appraisers, Estate Agents and Property Managers (BOVAEP). He joins as Head of Juwai IQI Property Management with more than two decades of experience managing property and facilities portfolios for some of Asia's largest developers, asset managers and real estate consultancies. What the New Division Will Do The division covers the commercial property sector at launch, across a diverse portfolio of assets. It combines technology-driven operations, data-driven decision-making and industry best practice. The aim is higher operational efficiency, better asset performance and stronger long-term value for owners and investors. We will make the Division stand out by leveraging AI-powered tools to monitor, analyse, and optimise all critical building systems, enabling predictive maintenance, improved reliability, and enhanced operational efficiency. Kashif Ansari, Co-Founder and Group CEO, Juwai IQI From Reactive Repairs to Predictive Maintenance The division's model centres on continuous monitoring of critical building systems rather than scheduled inspection and after-the-fact repair. Four categories of infrastructure are covered at launch: air conditioning, typically the largest energy load in a commercial building, electrical systems, fire protection, and other essential building infrastructure. The difference lies in what triggers action. FactorReactive managementAI-monitored managementTrigger for actionEquipment fails or a tenant complainsData shows performance driftingMonitoringScheduled inspections, manual checksCore systems monitored around the clockTypical outcomeUnplanned downtime, emergency calloutsFaults addressed before they escalateBudget visibilityCosts appear after the eventOperating costs visible and planned ahead Two Decades in Asian Facilities Management Arevind Pillai joins from JLL, where he was Country Account Lead overseeing the HSBC Malaysia portfolio. He has also held senior positions at Knight Frank, CBRE GWS, Sime Darby Property, Kuwait Finance House, and Edgenta UEMS. He says too many teams in the industry fail to use their data, and that it remains common for managers to wait until something breaks before they act. We will watch the core systems around the clock and catch small faults long before they turn into a crisis. Our clients will also get real transparency and more control over their operating budgets. PMgr Arevind Pillai, Head of Property Management, Juwai IQI Extending the Relationship Beyond the Sale Juwai IQI already works with property owners, developers and asset managers on marketing and sales. The new division extends that relationship into the operating life of the asset. Commercial property is an intensely competitive industry. The most successful operators will be the ones with lower running costs, less downtime, and happier tenants. Daniel Ho, Co-Founder and Group Managing Director, Juwai IQI Running costs feed straight into asset performance. Lower costs and less downtime support net operating income, which underpins valuations as Malaysian property prices continue to rise. Occupiers feel the same efficiencies through their service charges and management fees. Juwai IQI provides expert insights into the property, economic and investment trends shaping markets locally and globally. Click below to get more expert property insights from our blog! MORE INSIGHTS
Version: CN, MY As of 3 September 2026, Bank Negara Malaysia (BNM) has maintained the Overnight Policy Rate (OPR) at 2.75%. The OPR has remained unchanged at this level since 9 July 2025, when BNM reduced the rate by 25 basis points from 3.00% to 2.75%. This means the OPR has now stayed at 2.75% for around 14 months. At its September meeting, BNM said the current monetary policy stance remains consistent with the goals of continued price stability and sustainable economic growth. Malaysia's economy also remains relatively resilient. GDP expanded by 5.7% in the first half of 2026, with BNM expecting full-year growth to reach around 5%. At the same time, inflation remains contained. During the first seven months of 2026: Headline inflation averaged 1.8% Core inflation averaged 2.0% These conditions give BNM room to keep the OPR unchanged while continuing to monitor inflation, domestic demand, and external risks. The next and final Monetary Policy Committee (MPC) meeting for 2026 is scheduled for 5 November 2026. What You Should Know About OPR in 20261. What is the Overnight Policy Rate (OPR)?2. What Does OPR Mean to Home Buyers and Businesses?3. How Does OPR Affect Your Housing Loan?4. Will the OPR Stay at 2.75%?5. Is This a Good Time To Buy a Home?Frequently Asked Questions (FAQs) 1. What is the Overnight Policy Rate (OPR)? Before we dive deeper, let's first understand what the OPR actually means. The Overnight Policy Rate (OPR) is an interest rate set by Bank Negara Malaysia (BNM) that influences the rates at which financial institutions lend funds to one another overnight. Banks experience varying levels of deposits, withdrawals, and lending activities every day, so their available cash reserves can fluctuate. A bank facing a cash shortage may borrow from another bank with excess funds to meet its short-term liquidity needs. The OPR provides a benchmark for these transactions and also plays an important role in influencing borrowing costs across Malaysia's financial system. a. Why Is the OPR System in Place? The OPR is one of BNM's main tools for managing the economy. By adjusting or maintaining the OPR, BNM can influence borrowing costs, spending, investment and inflation. For example, a lower OPR can make borrowing more affordable and encourage spending and investment. A higher OPR can help reduce excessive demand and inflation by making financing more expensive. However, strong economic growth does not automatically mean BNM needs to increase the OPR. What matters is whether stronger demand begins to create problems such as persistent inflation, excessive household borrowing, rapidly rising asset prices, or financial instability. For now, Malaysia's inflation remains relatively contained despite GDP growth of 5.7% in the first half of 2026. This is one reason BNM has been able to maintain the OPR at 2.75%. 2. What Does OPR Mean to Home Buyers and Businesses? For homebuyers and businesses, the September OPR decision mainly means financing conditions remain relatively stable. There is no new rate cut, but there is also no increase in borrowing costs caused by an OPR hike. a. When the OPR increases: Borrowing costs generally become higher. Floating-rate housing loan repayments may increase. Businesses may face higher financing costs. Loan affordability can become tighter for some borrowers. b. When the OPR decreases: Borrowing costs generally become lower. Monthly repayments on affected floating-rate loans may decline. Financing becomes more affordable. Lower borrowing costs can support household spending, property purchases and business investment. c. When the OPR remains unchanged, like the current 2.75%: Borrowers generally face more stable financing conditions. Existing floating-rate borrowers are less likely to see an OPR-driven change in repayments. Homebuyers have greater certainty when planning their monthly commitments. The current environment is also supported by Malaysia's resilient economy, stable labour market and ongoing investment activity. However, BNM continues to monitor risks such as higher global commodity prices, geopolitical tensions, and inflationary pressures. 3. How Does OPR Affect Your Housing Loan? For homeowners and property buyers, changes in the OPR can eventually affect the cost of servicing a floating-rate housing loan. a. Your monthly installment may change When borrowing rates rise, homeowners with floating-rate loans may need to pay higher monthly installments. When borrowing rates decrease, the opposite may happen, reducing monthly repayment commitments. With the OPR currently maintained at 2.75%, borrowers are not facing a fresh OPR-driven increase following the September 2026 meeting. b. Your repayment period may be affected Depending on the bank and the terms of your housing loan, a change in interest rates may affect either your monthly repayment amount, effective repayment period, or both. This is particularly relevant for floating-rate housing loans, where borrowing costs can move when benchmark rates change. To illustrate how a 0.25 percentage-point difference in loan interest rates can affect monthly repayments: Loan AmountAt 3.00% p.a.At 2.75% p.a.Estimated Monthly SavingsRM500,000RM1,924RM1,855RM69RM600,000RM2,309RM2,226RM83RM700,000RM2,694RM2,597RM97 The illustration assumes a 35-year loan term and is provided for comparison purposes only. The OPR is not the same as your actual housing loan interest rate. Actual rates, repayments and loan terms vary between banks and borrowers. For context, Malaysia's lowest-ever OPR was 1.75%, introduced in July 2020 during the COVID-19 pandemic. It remained at that level until May 2022. 4. Will the OPR Stay at 2.75%? For now, there appears to be limited pressure for BNM to change the OPR immediately. Malaysia recorded stronger economic growth of 5.7% in the first half of 2026, while headline and core inflation remained relatively contained at 1.8% and 2.0%, respectively, during the first seven months. Several economists and research houses therefore expect BNM to keep the OPR at 2.75% for the remainder of 2026, including at the final MPC meeting in November. Some economists believe the current rate could even remain in place into 2027 if inflation stays manageable and domestic demand grows at a sustainable pace. However, this is not guaranteed. Pressure for an OPR increase could become stronger if: inflation rises persistently; wage and household spending pressures accelerate; household borrowing increases rapidly; property prices rise excessively; or the ringgit comes under sustained pressure. On the other hand, a major slowdown in global trade or economic growth could change the outlook in the opposite direction. BNM has made it clear that future decisions will continue to depend on the balance between economic growth and inflation. 5. Is This a Good Time To Buy a Home? The current 2.75% OPR provides a relatively stable financing environment for homebuyers, but that does not automatically mean everyone should rush to purchase a property. Unlike July 2025, buyers are not receiving a fresh rate cut today. The advantage now is greater certainty because the OPR has remained unchanged for around 14 months. Malaysia's economy is also growing at a healthy pace, while inflation remains contained. This gives homebuyers a more stable environment when planning long-term financial commitments. For buyers purchasing a property for their own stay or as a long-term investment, the current environment can be favorable if your income is stable and the monthly repayment remains comfortably within your budget. However, the OPR should never be the only reason to buy. You should also consider your: monthly income and existing commitments; emergency savings; property location and future demand; down payment and upfront costs; and ability to continue servicing the loan if interest rates eventually increase. Overall, an OPR of 2.75% provides Malaysian homebuyers with greater financing stability, but the best time to buy is still when the property fits both your needs and your long-term financial capacity. Frequently Asked Questions (FAQs) a. What is Malaysia’s latest OPR in 2026? As of 3 September 2026, Bank Negara Malaysia has maintained the Overnight Policy Rate (OPR) at 2.75%. The rate has remained unchanged since 9 July 2025, when it was reduced from 3.00%. b. When is the next OPR announcement in Malaysia? The next and final Bank Negara Malaysia Monetary Policy Committee meeting for 2026 is scheduled for 5 November 2026. BNM will decide whether to maintain, increase, or reduce the OPR based on inflation, economic growth, and other financial conditions. c. Why did Bank Negara maintain the OPR at 2.75%? BNM considers the current rate appropriate for supporting sustainable economic growth while maintaining price stability. Malaysia’s GDP grew 5.7% in the first half of 2026, while headline and core inflation remained relatively contained at 1.8% and 2.0%, respectively, during the first seven months. d. Will the OPR stay at 2.75% for the rest of 2026? Several economists and research houses expect the OPR to remain at 2.75% for the remainder of 2026, including at the November MPC meeting. However, this is not guaranteed, as BNM will continue monitoring inflation, domestic demand, global economic conditions, and financial risks. e. How does the OPR affect housing loan repayments? The OPR can influence banks’ lending rates, particularly for floating-rate housing loans. If borrowing rates rise, monthly repayments may increase, while lower rates can reduce repayments. Since the OPR is currently unchanged, borrowers are generally not facing a new OPR-driven increase in monthly installments. f. Does an unchanged OPR mean all home loan interest rates will stay the same? Not necessarily. The OPR is an important benchmark, but each bank determines its own lending rates based on funding costs, borrower risk, loan packages, and other factors. Fixed-rate loans are also generally unaffected by short-term OPR movements, while floating-rate loans are more sensitive to changes in benchmark rates. g. Is a 2.75% OPR good for property buyers in Malaysia? A 2.75% OPR provides a relatively stable financing environment, helping buyers plan their monthly commitments with greater certainty. However, buyers should still consider their income, existing debts, down payment, emergency savings, property location, and ability to handle higher repayments if interest rates increase in the future. It's high time we started investing, so if you're interested in connecting with property industry experts, drop us your details and we will connect you as soon as possible! [custom_blog_form] Continue reading: Penang 2030: Why Malaysia’s Silicon Valley of the East Is Becoming a Strategic Investment Hub MM2H UAE: Is Living in Malaysia Better Than Dubai in 2026? Can a Non-Bumi Buy a Bumi Lot in Malaysia? 2026 Guide
14 Sep, 2026
Best Housing Loan Rates to Secure in September 2026
Finding the best house loan interest rates in Malaysia can be challenging, particularly with the numerous options available. Critical terms such as home loan, housing loan, and loan tenure are essential for making informed decisions. This guide will help you navigate the various loan types, their interest rates, and other key factors to consider when searching for your dream home. In September 2026, several financial institutions in Malaysia offered competitive home loans and other financing options. Here's a quick overview: 1. Best Housing Loan Rates in September 2026 Bank NameHouse Loan NameInterest / Profit RateFinancing TypeTenureLock-In PeriodMBSBProperty Refinancing-i and Remortgage-ifrom 2.75% p.a.Full Term islamic financingUp to YearNoneHong LeongHousing Guarantee Schemefrom 2.75% p.a.Term loanUp to 35 yearsNoneMaybank IslamicHouzKEYfrom 2.88% p.a.Term Islamic financingUp to 35 years1 YearBank IslamBaiti Home Financing-ifrom 3.55% p.a.Term Islamic financingUp to 35 yearsNoneBank of ChinaHousing Loanfrom 3.88% p.a.Term loanUp to 35 years3 YearsSource: Ringgitplus These banks offer a range of housing and home loans that cater to different needs, whether you're looking for a flexible or a term loan. Understanding Housing Loan Rates: 1. Best Housing Loan Rates in September 20262. Understanding the Effective Lending Rate (ELR)3. Understanding House Loan Interest Rates4. How Should You Compare Lending Rates Across Banks as Borrowers?5. How to Plan and Compare Your House Loan Interest Rates?Critical Terms in Home Financing 1. MBSB Property Refinancing-i and Remortgage-i MBSB Property Refinancing-i and Remortgage-i are Islamic refinancing and remortgage facilities for homeowners who want to refinance their property or take cash out, using their home as collateral. It offers a floating profit rate of 2.75% p.a., a financing margin of up to 90%, and no processing fee. The Product Disclosure Sheet also states that the facility is based on Tawarruq, and the monthly installment may change if the SBR/OPR changes. a. Requirements RequirementDescriptionMinimum Age18 to 65 years oldWho Can ApplyAny nationalityEmployment TypeSalaried employees and self-employed applicants are eligibleFinancing TypeFull-term Islamic financingProfit TypeFloating profit rateProfit RateFrom 2.75% p.a.Profit Rate CeilingCapped at 11% p.a.Margin of FinanceUp to 90%Security RequiredThe property will be used as security for the financingTenureUp to a year b. Fees & Charges Fees & ChargesDescriptionProcessing FeeNo processing feeCompensation Charge1% per annum Ta’widh compensation charge will be imposed on the outstanding installment amountRedemption Letter FeeRM50 per requestLetter for EPF Withdrawal FeeRM50 per requestCredit TakafulRequired from MBSB Bank’s panel Takaful provider or another approved Takaful providerAdditional SecurityTerm Deposit-i may be requested depending on credit assessment c. Benefits BenefitDescriptionLow Starting Profit RateOffers a starting profit rate from 2.75% p.a., which is one of the lowest among the listed bank loan optionsHigh Financing MarginAllows financing of up to 90%, which can help homeowners access more value from their propertyIslamic Financing StructureBased on the Shariah concept of Tawarruq, suitable for borrowers looking for Islamic refinancingNo Processing FeeHelps reduce upfront application costSuitable for Refinancing or RemortgageUseful for homeowners who want to restructure their existing property loan or access cash from their property valueOpen to More ApplicantsAvailable to any nationality, including salaried employees and self-employed applicants For more information, please visit the MBSB Bank website. MBSB Property Refinancing-i and Remortgage-i Product Disclosure Sheet 2. Hong Leong Housing Guarantee Scheme The Hong Leong Housing Guarantee Scheme is a government-guaranteed home loan under SJKP for eligible first-time Malaysian home buyers, including salaried employees and non-fixed-income earners. It offers financing of up to 100%, with interest rates from 2.75% p.a. and tenure up to 35 years. The Product Disclosure Sheet states that this facility is calculated on a variable-rate basis, and that the property will be used as security for the bank. a. Requirements RequirementDescriptionMinimum Age18 years oldWho Can ApplyMalaysians onlyBuyer TypeFirst-time home buyersEmployment TypeSalaried employees and self-employed applicantsIncome TypeSuitable for fixed-income and non-fixed-income earners, including gig workers, traders, farmers, and fishermenProperty PurposeProperty must be for own occupationEligible Property TypeNew, sub-sale, auctioned, completed or under-construction residential propertiesNot EligibleLand purchase or construction financingLoan TypeTerm loanInterest TypeFloating interest rateInterest RateFrom 2.75% p.a. for borrowing up to RM500,000Margin of FinanceSuitable for fixed-income and non-fixed-income earners, including gig workers, traders, farmers and fishermenMaximum Financing AmountUp to RM500,000, inclusive of MRTA/MRTT, LTHO, solicitor’s fees and valuation feesTenureUp to 35 yearsCredit ConditionTotal monthly loan repayment should not exceed 65% of gross monthly incomeCredit RecordCCRIS should not show arrears of more than 2 months within any 12-month period, with no adverse credit record within the last 24 monthsIncome Documents for Non-Fixed Income EarnersBank statements, business license, fisherman’s registration card, or confirmation letter from authorized bodies such as JKKK, Penghulu, Category A government servants or elected representatives b. Fees & Charges Fees & ChargesDescriptionProcessing FeeWaived, subject to changeEarly Settlement FeeNot applicable because there is no lock-in periodLate Payment Fee1% p.a. on the outstanding amount in arrearsEscalating Late ChargesAdditional charges may apply for repeated or prolonged defaultWithdrawal FeeNot applicable because this is a term loanRedemption Letter FeeRM50 per requestLetter for EPF Withdrawal FeeRM20 per requestInsurance or Takaful CoverageRequired for residential properties under houseowner policy or takaful coverage, according to the PDSGovernment TaxesAll fees are subject to prevailing government taxes where applicable c. Benefits BenefitDescriptionLow Starting Interest RateOffers interest rates from 2.75% p.a., making it one of the lowest options in the provided listUp to 100% FinancingHelps eligible buyers reduce the need for a large upfront depositSuitable for Non-Fixed Income EarnersDesigned for applicants who may not have formal payslips, such as gig workers, small traders, farmers and fishermenGovernment Guarantee SupportBacked by SJKP, which helps eligible applicants access financing even if they may not qualify through normal loan channelsLong Loan TenureTenure of up to 35 years can help reduce monthly repayment pressureTwo-Generation FinancingAllows a child to join as a borrower to extend the loan tenure, subject to approvalNo Lock-In PeriodBorrowers can settle the loan early without early redemption or settlement feeFinancing Can Include Related CostsMRTA/MRTT, LTHO, solicitor’s fees and valuation fees can be included within the RM500,000 financing ceilingFirst-Home Buyer FriendlySuitable for Malaysians buying their first home for own stayMultiple Repayment ChannelsRepayment can be made through standing instruction, HLB Connect, IBG transfer, ATM transfer, deposit machine or branch counter For more information, please visit the Hong Leong Bank website. Hong Leong Housing Guarantee Scheme Product Disclosure Sheet 3. Maybank Islamic HouzKEY Maybank Islamic HouzKEY is an Islamic homeownership solution designed to help Malaysian buyers own a home with a lower upfront cost and greater cash-flow flexibility. It offers up to 100% financing, no down payment, and a profit rate from 2.88% p.a., with a tenure of up to 35 years or until age 70, whichever comes earlier. The Product Disclosure Sheet states that HouzKEY is based on the Shariah concept of Ijarah Muntahiyah Bi Tamlik, a lease contract that ends with ownership transferred via sale. a. Requirements RequirementDescriptionMinimum Age18 to 70 years oldWho Can ApplyMalaysian citizens onlyBuyer TypeSuitable for first and second home Malaysian buyersHome Financing LimitApplicant must not have more than one home financing, including HouzKEY, at the point of applicationEmployment TypeSalaried employees and self-employed applicantsGuarantorsUp to 3 guarantors are allowedGuarantor RequirementGuarantors must be immediate family members, such as spouse, parents, siblings, or childrenGuarantor AgeGuarantors must be between 18 to 70 years oldFinancing TypeTerm Islamic financingProfit TypeFloating profit rateProfit RateFrom 2.88% p.a.Eligible Property PriceRM250,000 to RM2,000,000Margin of FinanceUp to 100%TenureInitial tenure of 5 years, with flexibility to continue up to another 30 yearsMaximum TenureUp to 35 years, or up to age 70, whichever is earlierEligible LocationsSelected projects in Kuala Lumpur, Selangor, Johor and PenangEligible Property TypeSelected properties from Maybank’s partnering developers, including new launches, under-construction and completed properties b. Fees & Charges Fees & ChargesDescriptionProcessing FeeNo feeDown PaymentNo down payment requiredSecurity Deposit3 months refundable security deposit is required upon signing the HouzKEY Agreements and SPAEarly Settlement FeeNo feeCompensation Charge1% p.a. on the outstanding amountLate Payment Charges1% p.a. on the monthly payment amount in arrears or any other approved amount by BNMLegal Fees for SPALegal fee based on the Solicitor’s Remuneration Order and disbursement, if not absorbed by the developerStamp Duty for SPANominal stamp duty of RM10 per copy, with four copies to be stampedLegal Fees for Home Financing AgreementLegal fee based on the Solicitor’s Remuneration Order and disbursementStamp Duty for Home Financing AgreementBased on Stamp Act requirement for the original copy, with RM10 nominal stamp duty for each duplicate copyLegal Fees for Deed of TrustRM300Legal Fees for Power of AttorneyRM300Legal Fees for Purchase UndertakingRM150Notice of SettlementRM50Property Maintenance CostsUtilities, fire takaful, quit rent, assessment fee, maintenance fee and other related property payments are borne by the buyer during the tenure, where applicableTakaful CoverageFire Takaful is encouraged, while Family Takaful or Life Insurance is optional but recommended c. Benefits BenefitDescription100% FinancingAllows eligible buyers to finance the full property price without a down paymentLower Upfront CostBuyers only need to prepare a 3-month refundable security deposit, subject to terms and conditionsNo Payment During ConstructionBuyers do not need to make payment during the construction period until the key or vacant possession is handed overLow Starting Profit RateOffers a profit rate from 2.88% p.a., subject to Maybank’s approval and assessmentFlexible TenureStarts with a 5-year initial tenure and can be extended up to another 30 yearsCash Flow FriendlyMonthly payment during the initial tenure is structured as profit payment only, helping reduce monthly payment pressureUp to 3 Guarantors AllowedApplicants can strengthen their application by including up to 3 immediate family members as guarantorsSuitable for New or Under-Construction HomesAvailable for selected new launches, under-construction and completed properties from participating developersOption to Continue After Initial TenureBuyers may continue with HouzKEY after the initial tenure without paying a new down payment, subject to the bank’s termsOption to Buy, Refinance or SellAfter fulfilling the required period, buyers may buy the property, refinance with Maybank Islamic or other banks, or sell the property to settle the outstanding amount Visit Maybank website for more information Maybank Islamic HouzKEY Product Disclosure Sheet 4. Bank Islam Baiti Home Financing-i Bank Islam Baiti Home Financing-i is an Islamic home financing facility for Malaysians who want to buy a residential property, whether under construction or completed. It is based on the Tawarruq Shariah concept, with a floating effective profit rate of up to 3.55% p.a., a financing margin of up to 90%, no processing fee, and no lock-in period. The Product Disclosure Sheet also states that the financing is for residential property purchase, with the Effective Profit Rate calculated on a variable or floating rate basis a. Requirements RequirementDescriptionMinimum Annual IncomeRM24,000Minimum Age18 to 70 years oldWho Can ApplyMalaysians onlyEmployment RequirementApplicant should be employed or own a business for at least 3 yearsCredit RequirementApplicant should not be bankrupt or involved in legal actionPayment Track RecordMinimum 1 year of good payment track recordFinancing TypeTerm Islamic financingShariah ConceptTawarruqProfit TypeFloating profit rateProfit RateFrom 3.80% p.a. for property value above RM300,000Rate for Property RM300,000 and BelowFrom 4.10% p.a.Margin of FinanceUp to 90%TenureUp to 35 yearsApproval TimeAround 30 days, subject to Bank Islam’s approvalEligible PropertyResidential property, including under-construction or completed propertyCollateralThe financed property will be used as collateralGuarantorMay be required on a case-by-case basis, depending on credit assessmentRequired TakafulMRTT or MLTT is compulsoryOptional TakafulHouseowner or Householder Takaful Plan, if applicable b: Fees & Charges Fees & ChargesDescriptionProcessing FeeWaivedEarly Settlement FeeNo lock-in period. Bank Islam shall grant Ibra’ on deferred profit after full settlementCompensation Charge1% p.a. on overdue installments before maturity until full paymentCharge After MaturityBased on the prevailing daily overnight Islamic Interbank Money Market Rate on the outstanding balanceRedemption Letter FeeRM50 per requestLetter for EPF Withdrawal FeeRM20 per request for manual application, RM10 per request for online applicationStamp DutyBased on Stamp Duty Act 1949Disbursement FeeIncludes registration of charge and other related chargesValuation FeeApplicable for completed property or own construction by appointed contractorWakalah FeeRM25 for Appointment of the Bank as Purchase Agent and RM25 for Appointment of the Bank as Sales AgentLegal FeesLegal fees and incidental expenses related to security documentationCustodian FeeRM80 annually for safekeeping of security documents after the facility is fully settledCopy of Security DocumentsRM50 per requestCancellation FeeCustomer must pay costs incurred by the bank for preparation and registration of security documents, if the facility is canceledTakaful ContributionBased on the contribution amount required by the Takaful operatorMRTT or MLTTCompulsory coverage for the financing facilityHouseowner or Householder TakafulApplicable if required c. Benefits BenefitDescriptionCompetitive Profit RateOffers a profit rate from 3.80% p.a. for property value above RM300,000High Financing MarginAllows financing of up to 90% of the property valueLong Financing TenureTenure of up to 35 years can help make monthly installments more manageableNo Processing FeeReduces upfront application cost for borrowersNo Lock-In PeriodBorrowers can settle the financing early without being tied to a lock-in periodNo Early Settlement PenaltyBank Islam grants Ibra’ on deferred profit after full settlementIslamic Financing StructureSuitable for buyers looking for Shariah-compliant home financing based on TawarruqSuitable for New and Completed HomesCan be used for residential properties that are under construction or already completedStep Up Payment SchemeAvailable for eligible first-time home buyers, allowing them to pay only the profit portion during the Step Up periodProfit Rate ProtectionThe Bank’s Sale Price is based on the Ceiling Profit Rate, while the Effective Profit Rate is floatingTakaful ProtectionMRTT or MLTT helps protect the borrower and family in the event of death or total permanent disability You may visit the Bank Islam website for more information. Bank Islam Baiti Home Financing-i Product Disclosure Sheet 5. Bank of China Housing Loan Bank of China Housing Loan is a conventional term loan for buyers who want to finance a completed or under-construction residential property in Malaysia, or refinance an existing housing loan. It offers a floating interest rate from 3.88% p.a., with financing margin of up to 90% and tenure of up to 35 years. The Product Disclosure Sheet states that the Housing Loan is a secured loan, and the residential property will be used as security to the bank. a. Requirements RequirementDescriptionMinimum Annual IncomeRM60,000Minimum Monthly IncomeRM5,000Minimum Age18 to 70 years oldWho Can ApplyMalaysians, permanent residents and foreigners working in MalaysiaForeigner RequirementForeigners must have valid passport, visa, work permit or employment passEmployment TypeSalaried employees and self-employed applicantsLoan TypeTerm loanInterest TypeFloating interest rateInterest RateFrom 3.88% p.a.Loan AmountMinimum loan amount from RM300,000Eligible Borrowing RangeMore than RM300,000Margin of FinanceUp to 90% of the SPA price or market valueTenureUp to 35 yearsLock-In Period3 yearsEligible PropertyResidential property, including completed or under-construction propertyRefinancing OptionCan be used to refinance an existing housing loanSecurity RequiredThe residential property will be used as security for the loan b. Fees & Charges Fees & ChargesDescriptionProcessing FeeNo processing feeStamp DutyPayable according to the Stamp Act 1949Late Payment Fee1% p.a. on the amount in arrears, causing the total outstanding amount to increaseEarly Settlement Fee2.25% on the prepayment amount if prepayment or full settlement is made within the first 3 years from the first loan release dateSetup FeeOne-time setup fee may apply: RM50 for loan up to RM30,000, RM100 for RM30,001 to RM100,000, and RM200 for RM100,000 and aboveMonthly Maintenance FeeRM10 per month applies only to Flexi Housing Loan or Flexi Term LoanFire InsuranceMandatory. The property must be adequately insured against risk for its full value or replacement cost, whichever is higherHouseowner InsuranceOptionalMRTAOptional but encouragedMLTAOptional but encouragedLegal or Insurer ChoiceBorrower may use the bank’s panel lawyers or insurers, or appoint their own lawyer or insurer c. Benefits BenefitDescriptionCompetitive Interest RateOffers interest rate from 3.88% p.a., subject to Bank of China’s approvalLong Loan TenureTenure of up to 35 years can help make monthly instalments more manageableHigh Financing MarginFinancing margin of up to 90% helps buyers reduce upfront capital neededSuitable for Purchase or RefinancingCan be used to finance residential property purchase or refinance an existing housing loanAvailable for Under-Construction PropertyBuyers can use this loan for completed or under-construction residential propertiesOpen to More Applicant GroupsAvailable to Malaysians, permanent residents and foreigners working in MalaysiaNo Processing FeeHelps reduce the initial cost of applying for the housing loanOptional MRTA or MLTABorrowers are encouraged to take MRTA or MLTA for protection in the event of death or total permanent disabilityFlexi Option AvailableThe PDS mentions Flexi Housing Loan options, which allow deposit and withdrawal flexibility with interest savings through a linked current accountChoice of Lawyers or InsurersBorrowers can choose the bank’s panel lawyers or insurers, or appoint their own, subject to bank requirements Visit Bank of China for more information Bank of China Housing Loan Product Disclosure Sheet 2. Understanding the Effective Lending Rate (ELR) Source: Bank Negara Malaysia The Effective Lending Rate (ELR) is a critical component when evaluating home loans. It represents the total cost of borrowing, expressed as an annual percentage rate. The ELR includes the reference rate and the spread, which collectively impact your monthly repayments. Reference Rate: The base rate, such as the Standardised Base Rate (SBR), is influenced by Bank Negara Malaysia's policies. Spread: Additional charges include credit and liquidity risk premiums, operating costs, and the bank’s profit margin. The ELR is crucial because it affects the total repayment amount and helps borrowers effectively compare different loan products. What is the Reference Rate? Source: Bank Negara Malaysia The reference rate is a benchmark interest rate used by Malaysian banks to determine changes in borrowers' repayments on floating-rate loans over the loan tenure. This rate can vary across institutions, but it serves as a foundation for setting the lending rate. Is the Reference Rate Equal to the Standardised Base Rate (SBR)? No, the reference rate differs from the Standardised Base Rate (SBR). The SBR is a specific reference rate that standardizes the base rate across all banks. Introduced on 1 August 2022, the SBR is directly linked to the Overnight Policy Rate (OPR) set by Bank Negara Malaysia. This standardization aims to simplify comparing loan rates across banks. Is the Reference Rate Equal to the Overnight Policy Rate (OPR)? The reference rate may include the OPR, especially when the SBR is used. The OPR is the interest rate at which banks lend to each other overnight and is set by the central bank. Changes in the OPR directly affect the SBR and the reference rate used for loans. What is Spread? The spread is an additional percentage added to the reference rate to arrive at the ELR. It covers various costs and risks incurred by the bank, including: Credit Risk Premium: Compensation for the risk that a borrower might default. Liquidity Risk Premium: Compensation for the risk associated with the bank’s liquidity. Operating Costs: The day-to-day expenses of running the bank. Profit Margin: The bank’s earnings from the loan. The spread is generally fixed for the duration of the loan unless there is a significant change in the borrower’s credit risk profile. 3. Understanding House Loan Interest Rates Understanding the mechanics of interest rates and their impact on repayments is essential for making informed decisions about Malaysian home loans. What are House Loan Interest Rates? House loan interest rates are the percentage of the loan principal that banks charge. These rates determine the cost of borrowing and are influenced by various factors, including the central bank’s policies and the individual bank's cost structures. How to Calculate House Loan Interest Rate? Source: Bank Negara Malaysia Calculating your home loan interest rate is crucial for understanding the total amount you will pay over time. Use a home loan calculator to determine your monthly instalments and total repayment. Here’s an example: Example Calculation: Bank’s Base Rate (BR): 2.00% Spread: 1.50% ELR: BR + Spread = 2.00% + 1.50% = 3.50% For a loan of RM300,000 over 30 years, the monthly instalment would include interest and principal repayments. Understanding these calculations can help you save money and manage your loan tenure effectively: Annual Interest Amount: RM300,000 x 3.50% = RM10,500 Monthly Interest Amount: RM10,500 / 12 = RM875 Thus, the monthly repayment would include RM875 in interest plus the principal repayment. What Can Affect Your House Loan Interest Rate? Several factors can influence your house loan interest rate, including: Central Bank Policies: Changes to Bank Negara Malaysia's Overnight Policy Rate (OPR) can directly affect interest rates. Economic Conditions: Inflation and economic stability can influence interest rates. Borrower’s Credit Score: Higher credit scores often result in lower interest rates. Loan Tenure: Longer loan tenures can sometimes attract higher interest rates. 4. How Should You Compare Lending Rates Across Banks as Borrowers? Comparing lending rates across banks involves more than just looking at the ELR. Consider the following steps: Review the ELR and Spread: Compare the total borrowing cost. Understand Additional Fees: Be aware of any extra fees that might apply. Read the Product Disclosure Sheet (PDS): This document provides crucial details about the loan. 5. How to Plan and Compare Your House Loan Interest Rates? When planning a home loan, consider the property's value, the loan amount, and the loan tenure. Use a loan calculator to estimate your monthly instalments and ensure you understand all associated fees. Planning and comparing Malaysia house loan interest rates requires a strategic approach: Research Different Lenders: Identify potential lenders and their offerings. Interest Rates: Compare the interest rates offered by different banks. Additional Features: Evaluate foreclosure charges and other loan features. Some loans include extra funds withdrawal or linked current accounts for easier management. Read Reviews: Learn from the experiences of other borrowers. Seek Professional Advice: Consult with financial advisors if needed. Maximum Loan Tenure: Most banks offer up to 35 years. Prepayment Options: Check if the bank allows for additional payments without penalties. Insurance Requirements: Most housing loans require Mortgage Reducing Term Assurance (MRTA) or other types of insurance. Flexibility: Compare loans that offer flexible repayment options, like a flexi loan or semi-flexi loan (make sure to understand the terms and conditions). Critical Terms in Home Financing Understanding key terms related to home financing is crucial for navigating the market: Outstanding Principal Balance: The remaining amount you owe on your loan, excluding interest. Home Loan Balance: The total amount left to pay on your home loan. Basic Term Loan: A standard loan with fixed interest rates and repayment terms. Loan Period: The total time over which you will repay the loan. Mortgage Reducing Term Assurance: Insurance that decreases as your loan balance decreases. Choosing the right home loan in Malaysia requires careful consideration of several factors, including interest rates, loan tenure, and associated fees. By understanding the options available and using tools like a home loan calculator, you can make a more informed decision that aligns with your financial goals and helps you secure your dream home. Version: CN, BM Are you looking for a dream house after getting the best house loan interest rates? We can assist you! Please send us your details, and we will contact you shortly. [custom_blog_form] Continue Reading: Why My Housing Loan Got Rejected in Malaysia? (Reasons Explained) Malaysia vs Singapore Property: Why Investors Still Choose KL? Where Should You Retire in Malaysia? Best Affordable, Quiet and Safe Homes to Consider
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