Team Leader (Subsales) ∙ Dreammakerz
Vinc Pheng
REN37850
Team Leader (Subsales) ∙ Dreammakerz
Vinc Pheng
REN37850
About Vinc Pheng
"我用心卖房 你安心买房"Founder 买产业找专业 拥有 9年房地产经验IQI Dreammakerz TEAM LEADERVinc Tan Registered Real Estate AgentREN 37850
5 years at IQI
400 transactions
120 properties on sale
75 properties on rent
Contact Vinc Pheng
Vinc Pheng Social Links
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Vinc Pheng's Service Locations
Vinc Pheng's Service Locations
My Listings
Fully Renovated Double Storey Terrace For Sale At Taman Tehel Impian
Fully Renovated Double Storey Terrace For Sale At Taman Tehel Impian
€ 131,502
Listed on June 10, 2026
RARE SPACIOUS 4,865sqft RENOVATED Semi-D @ Bukit Katil
RARE SPACIOUS 4,865sqft RENOVATED Semi-D @ Bukit Katil
€ 254,520
Listed on August 20, 2026
AFFORDABLE SPACIOUS 4BR Double Storey Terrace @ Taman Desa Bertam
AFFORDABLE SPACIOUS 4BR Double Storey Terrace @ Taman Desa Bertam
€ 255 /month
Listed on September 14, 2026
Town Area WELL MAINTAINED Studio Condo @ The Quartz Residence, Bachang
Town Area WELL MAINTAINED Studio Condo @ The Quartz Residence, Bachang
€ 255 /month
Listed on August 26, 2026
PRIME 5,814 Sqft FREHOLD Land in High Traffic Area @ Bukit Senjuang
PRIME 5,814 Sqft FREHOLD Land in High Traffic Area @ Bukit Senjuang
€ 104,818
Listed on September 4, 2026
Modern FULLY FURNISHED 1BR For Rent @ The Apple Residence
Modern FULLY FURNISHED 1BR For Rent @ The Apple Residence
€ 318 /month
Listed on September 14, 2026
BELOW RM290K! 1.5 Storey Shoplot with RENTAL INCOME @ Batu Berendam
BELOW RM290K! 1.5 Storey Shoplot with RENTAL INCOME @ Batu Berendam
€ 60,449
Listed on July 22, 2026
BELOW BANK VALUE @ Costa Mahkota Melaka Raya
BELOW BANK VALUE @ Costa Mahkota Melaka Raya
€ 41,996
Listed on June 10, 2026
Modern & SPACIOUS 4BR WELL-MAINTAINED Terrace @ Malim Jaya
Modern & SPACIOUS 4BR WELL-MAINTAINED Terrace @ Malim Jaya
€ 97,142
Listed on September 2, 2026
PRIME LOCATION! FULLY FURNISHED Condo For Sale @ Admiral Residence
PRIME LOCATION! FULLY FURNISHED Condo For Sale @ Admiral Residence
€ 91,203
Listed on August 11, 2026
RARE 3 Adjoining FREEHOLD Land RM40 psf @ Sungai Udang Melaka
RARE 3 Adjoining FREEHOLD Land RM40 psf @ Sungai Udang Melaka
€ 178,147
Listed on August 27, 2026
FREEHOLD FULLY RENOVATED & REBUILT Terrace @ Ujong Pasir
FREEHOLD FULLY RENOVATED & REBUILT Terrace @ Ujong Pasir
€ 120,473
Listed on September 1, 2026
INDUSTRIAL WAREHOUSE 2,880 Sqft with EXTRA LAND @ Malim Jaya, Melaka
INDUSTRIAL WAREHOUSE 2,880 Sqft with EXTRA LAND @ Malim Jaya, Melaka
€ 636 /month
Listed on June 10, 2026
FULLY FURNISHED Sea View 3BR High Floor Condo @ Silverscape Residence
FULLY FURNISHED Sea View 3BR High Floor Condo @ Silverscape Residence
€ 382 /month
Listed on September 9, 2026
LOW RENTAL! MOVE-IN READY Casa Lago Condo @ Melaka Raya
LOW RENTAL! MOVE-IN READY Casa Lago Condo @ Melaka Raya
€ 148 /month
Listed on August 7, 2026
Rare SPACIOUS CORNER LOT! FREEHOLD 5R Double Storey @ Kampung Lapan
Rare SPACIOUS CORNER LOT! FREEHOLD 5R Double Storey @ Kampung Lapan
€ 148,470
Listed on September 1, 2026
BELOW BANK VALUE! Corner Unit 4BR Condo @ Ujong Pasir
BELOW BANK VALUE! Corner Unit 4BR Condo @ Ujong Pasir
€ 73,811
Listed on September 4, 2026
FULLY EXTENDED SPACIOUS 4R3B Double Storey Terrace @ Semabok Jaya
FULLY EXTENDED SPACIOUS 4R3B Double Storey Terrace @ Semabok Jaya
€ 84,416
Listed on August 5, 2026
INVESTMENT DEAL! 3-Storey Freehold Warehouse @ Krubong
INVESTMENT DEAL! 3-Storey Freehold Warehouse @ Krubong
€ 381,780
Listed on August 12, 2026
FULLY FURNISHED 2BR Move In Ready @ The Heights Ayer Keroh
FULLY FURNISHED 2BR Move In Ready @ The Heights Ayer Keroh
€ 297 /month
Listed on September 15, 2026
BELOW BANK VALUE! SPACIOUS 24x80 Terrace @ Tanjung Minyak
BELOW BANK VALUE! SPACIOUS 24x80 Terrace @ Tanjung Minyak
€ 90,779
Listed on August 13, 2026
AFFORDABLE FREEHOLD Terrace @ Taman Tambun Perdana, Durian Tunggal
AFFORDABLE FREEHOLD Terrace @ Taman Tambun Perdana, Durian Tunggal
€ 66,812
Listed on August 14, 2026
VALUE BUY! 3-Bedroom FREEHOLD Terrace @ Taman Kerjasama Bukit Beruang
VALUE BUY! 3-Bedroom FREEHOLD Terrace @ Taman Kerjasama Bukit Beruang
€ 65,327
Listed on July 27, 2026
BELOW VALUATION! CORNER UNIT 3+1R @ Admiral Residence Melaka
BELOW VALUATION! CORNER UNIT 3+1R @ Admiral Residence Melaka
€ 84,416
Listed on June 22, 2026
3.5 ACRES Industrial Land Pegoh Alor Gajah, Hicom Pegoh Park Melaka
3.5 ACRES Industrial Land Pegoh Alor Gajah, Hicom Pegoh Park Melaka
€ 1,519,828
Listed on June 11, 2026
NEAR TOWN！FULLY RENOVATED FREEHOLD 3+1R @ Kampung Lapan Melaka
NEAR TOWN！FULLY RENOVATED FREEHOLD 3+1R @ Kampung Lapan Melaka
€ 145,925
Listed on August 18, 2026
BRAND NEW 3 Storey Corner Shoplot @ Kuala Sungai Baru
Kuala Sungai Baru, Melaka
€ 201,495
Listed on May 26, 2026
HOT DEAL! FULLY RENOVATED CITY VIEW Condo @ Apple Residence
HOT DEAL! FULLY RENOVATED CITY VIEW Condo @ Apple Residence
€ 95,445
Listed on September 4, 2026
PREMIUM FULLY FURNISHED Condo @ Parkland Residence Bachang
PREMIUM FULLY FURNISHED Condo @ Parkland Residence Bachang
€ 382 /month
Listed on July 23, 2026
High Traffic Main Road Corner Shoplot 3,078 SqFt @ Melaka Raya
High Traffic Main Road Corner Shoplot 3,078 SqFt @ Melaka Raya
€ 2,121 /month
Listed on September 1, 2026
HIGH FLOOR 3R2B FULLY FURNISED Condo @ The Heights Ayer Keroh
HIGH FLOOR 3R2B FULLY FURNISED Condo @ The Heights Ayer Keroh
€ 318 /month
Listed on August 12, 2026
RM1,500 ONLY! SPACIOUS 5BR 2-Storey Terrace Opposite Lotus Cheng
RM1,500 ONLY! SPACIOUS 5BR 2-Storey Terrace Opposite Lotus Cheng
€ 318 /month
Listed on September 7, 2026
HIGH VISIBILITY PRIME MAIN ROAD 2-Storey Shophouse @ Gajah Berang
HIGH VISIBILITY PRIME MAIN ROAD 2-Storey Shophouse @ Gajah Berang
€ 848 /month
Listed on September 10, 2026
RARE FREEHOLD Seaview Apartment 3R2B @ Ujong Pasir Melaka
RARE FREEHOLD Seaview Apartment 3R2B @ Ujong Pasir Melaka
€ 74,235
Listed on July 30, 2026
FULLY FURNISHED! Apartment @ Taman Malim Jaya
FULLY FURNISHED! Apartment @ Taman Malim Jaya
€ 144 /month
Listed on July 23, 2026
READY TO MOVE IN! CITY VIEW 3R2B For Rent @ Admiral Residence
READY TO MOVE IN! CITY VIEW 3R2B For Rent @ Admiral Residence
€ 382 /month
Listed on August 11, 2026
LARGE Commercial Premises @ MELAKA CITY Laksamana Cheng Ho
LARGE Commercial Premises @ MELAKA CITY Laksamana Cheng Ho
€ 2,545 /month
Listed on July 22, 2026
BELOW VALUE! Freehold with Attic Terrace @ Bukit Baru Melaka
BELOW VALUE! Freehold with Attic Terrace @ Bukit Baru Melaka
€ 74,235
Listed on June 22, 2026
BEST BUY ONLY RM269K! Terrace @ Tmn Saujana, Bukit Katil Melaka
BEST BUY ONLY RM269K! Terrace @ Tmn Saujana, Bukit Katil Melaka
€ 57,055
Listed on June 22, 2026
MOVE-IN READY 1st Floor Shoplot @ Kota Laksamana Jaya
MOVE-IN READY 1st Floor Shoplot @ Kota Laksamana Jaya
€ 361 /month
Listed on August 11, 2026
GRAB THIS! RM1,400 Only! 1,679 SQFT Warehouse For Rent @ Taman IKS Duyong
GRAB THIS! RM1,400 Only! 1,679 SQFT Warehouse For Rent @ Taman IKS Duyong
€ 297 /month
Listed on September 17, 2026
HOT DEAL! FREEHOLD FULLY FURNISHED Terrace @ Bukit Beruang
HOT DEAL! FREEHOLD FULLY FURNISHED Terrace @ Bukit Beruang
€ 80,598
Listed on August 11, 2026
MOVE-IN READY! FREEHOLD Fully Furnished Terrace @ Taman 1 Krubong
MOVE-IN READY! FREEHOLD Fully Furnished Terrace @ Taman 1 Krubong
€ 126,836
Listed on September 17, 2026
RM160K ONLY! BELOW MARKET VALUE Casa Lago 2BR Apartment
RM160K ONLY! BELOW MARKET VALUE Casa Lago 2BR Apartment
€ 33,936
Listed on September 10, 2026
PRIME LOCATION High-Roof Warehouse For Rent @ Malim Jaya
PRIME LOCATION High-Roof Warehouse For Rent @ Malim Jaya
Listed on September 17, 2026
FULLY FURNISHED FREEHOLD 3Bedroom Apartment For Sale @ Bertam Malim
FULLY FURNISHED FREEHOLD 3Bedroom Apartment For Sale @ Bertam Malim
€ 36,057
Listed on September 17, 2026
RARE 2 Adjoining FREEHOLD Terrace @ Bukit Tambun Perdana Durian Tunggal
RARE 2 Adjoining FREEHOLD Terrace @ Bukit Tambun Perdana Durian Tunggal
€ 58,964
Listed on September 17, 2026
FULLY EQUIPPED 4R3B Terrace For Rent @ Puncak Bertam Melaka
FULLY EQUIPPED 4R3B Terrace For Rent @ Puncak Bertam Melaka
€ 530 /month
Listed on August 12, 2026
RM79K ONLY! BELOW BANK VALUE 2BR Apartment @ Malim Jaya
RM79K ONLY! BELOW BANK VALUE 2BR Apartment @ Malim Jaya
€ 16,756
Listed on August 19, 2026
WELL-MAINTAINED GROUND FLOOR Apartment @ Cheng Ria
WELL-MAINTAINED GROUND FLOOR Apartment @ Cheng Ria
€ 32,876
Listed on July 22, 2026
RARE 5BR FULLY EXTENDED Terrace RM438K @ Muzaffar Heights
RARE 5BR FULLY EXTENDED Terrace RM438K @ Muzaffar Heights
€ 92,900
Listed on September 2, 2026
HIGH VISIBILITY Jonker Walk 1st & 2nd Floor Shop For Rent
HIGH VISIBILITY Jonker Walk 1st & 2nd Floor Shop For Rent
€ 742 /month
Listed on August 3, 2026
PRIME ROADSIDE Commercial Land with Shelter @ Lebuh AMJ Melaka
PRIME ROADSIDE Commercial Land with Shelter @ Lebuh AMJ Melaka
€ 3,182 /month
Listed on June 10, 2026
RM248K ONLY! FREEHOLD High Hill Corner Townhouse @ Bukit Cheng
RM248K ONLY! FREEHOLD High Hill Corner Townhouse @ Bukit Cheng
€ 52,601
Listed on August 7, 2026
RM125K!1054sqft 3rd Floor Apartment For Sale,Tenanted @ Malim Jaya
RM125K!1054sqft 3rd Floor Apartment For Sale,Tenanted @ Malim Jaya
€ 26,513
Listed on August 10, 2026
MAIN ROAD CORNER 1st Floor Shoplot For Rent @ Durian Tunggal
MAIN ROAD CORNER 1st Floor Shoplot For Rent @ Durian Tunggal
€ 424 /month
Listed on June 23, 2026
GROUND FLOOR Shoplot FACING MAIN ROAD @ Malim Jaya Melaka
GROUND FLOOR Shoplot FACING MAIN ROAD @ Malim Jaya Melaka
€ 467 /month
Listed on July 30, 2026
PRIME MAIN ROAD Shoplot Opposite AEON Bandaraya
PRIME MAIN ROAD Shoplot Opposite AEON Bandaraya
€ 3,818 /month
Listed on September 4, 2026
Affordable FULLY FURNISHED Condo For Rent @ The Heights Bukit Beruang
Affordable FULLY FURNISHED Condo For Rent @ The Heights Bukit Beruang
€ 276 /month
Listed on September 17, 2026
RARE 35Rooms Boutique Hotel @ Kota Laksamana 2 Mins to Jonker Melaka
RARE 35Rooms Boutique Hotel @ Kota Laksamana 2 Mins to Jonker Melaka
€ 844,158
Listed on September 14, 2026
Presint Destar Krubong FREEHOLD GATED GUARDED @ 1 Krubong
Presint Destar Krubong FREEHOLD GATED GUARDED @ 1 Krubong
€ 116,655
Listed on August 14, 2026
HIGH VISIBILITY CORNER Shoplot for Rent @ Taman Teknologi Cheng
HIGH VISIBILITY CORNER Shoplot for Rent @ Taman Teknologi Cheng
€ 1,167 /month
Listed on July 27, 2026
RM240K ONLY! Airbnb Studio City View @ The Pines Melaka
RM240K ONLY! Airbnb Studio City View @ The Pines Melaka
€ 50,904
Listed on September 14, 2026
SEAVIEW FULLY FURNISHED Condo @ Asteria Kota Syahbandar
SEAVIEW FULLY FURNISHED Condo @ Asteria Kota Syahbandar
€ 297 /month
Listed on September 17, 2026
SPACIOUS FREEHOLD NON-BUMI 2-Storey Terrace @ Taman Merak Mas
SPACIOUS FREEHOLD NON-BUMI 2-Storey Terrace @ Taman Merak Mas
€ 111,989
Listed on August 21, 2026
Corner 3-Storey Shoplot Facing Main Road @ Taman Teknologi Cheng
Corner 3-Storey Shoplot Facing Main Road @ Taman Teknologi Cheng
€ 339,360
Listed on July 27, 2026
PRIME 2nd Floor Shop WITH LIFT @ Business Park Malim from RM240K
PRIME 2nd Floor Shop WITH LIFT @ Business Park Malim from RM240K
€ 101,808
Listed on August 4, 2026
SPACIOUS Land FULLY FURNISHED Bungalow @ Taman Ozana Villas
SPACIOUS Land FULLY FURNISHED Bungalow @ Taman Ozana Villas
€ 250,278
Listed on September 3, 2026
PERFECT BUSINESS LOCATION! FACE MAIN ROAD Shoplot @ Semabok Perdana
PERFECT BUSINESS LOCATION! FACE MAIN ROAD Shoplot @ Semabok Perdana
€ 806 /month
Listed on August 14, 2026
RM360K! RENOVATED FREEHOLD 3BR Terrace @ Taman Kampung Lapan
RM360K! RENOVATED FREEHOLD 3BR Terrace @ Taman Kampung Lapan
€ 76,356
Listed on August 21, 2026
READY-TO-OPERATE MAIN ROAD F&B Shoplots For Rent @ Ujong Pasir Melaka
READY-TO-OPERATE MAIN ROAD F&B Shoplots For Rent @ Ujong Pasir Melaka
€ 1,273 /month
Listed on June 23, 2026
Affordable SPACIOUS 5BR Double Storey @ Bertam Perdana Pulau Gadong
Affordable SPACIOUS 5BR Double Storey @ Bertam Perdana Pulau Gadong
€ 255 /month
Listed on August 28, 2026
PRIME LOCATION 3-Storey Shoplot @ Cheng Utama
PRIME LOCATION 3-Storey Shoplot @ Cheng Utama
€ 891 /month
Listed on August 28, 2026
RM305K! KITCHEN EXTENDED 1 Storey Terrace For Sale @ Tanjong Minyak Setia
RM305K! KITCHEN EXTENDED 1 Storey Terrace For Sale @ Tanjong Minyak Setia
€ 64,691
Listed on July 30, 2026
BRAND NEW With SMART LOCK Terrace @ iMolek Pengkalan Impian
BRAND NEW With SMART LOCK Terrace @ iMolek Pengkalan Impian
€ 339 /month
Listed on August 5, 2026
MOVE-IN READY! FULLY FURNISHED For Rent @ Atlantis Residence Kota Syahbandar
MOVE-IN READY! FULLY FURNISHED For Rent @ Atlantis Residence Kota Syahbandar
€ 403 /month
Listed on August 10, 2026
40’ x 90’ RENOVATED Double Storey Semi-D For Sale @ Cheng Setia
40’ x 90’ RENOVATED Double Storey Semi-D For Sale @ Cheng Setia
€ 148,046
Listed on September 15, 2026
RARE FREEHOLD Semi D @ Kampung Lapan Kesidang Near Melaka City
RARE FREEHOLD Semi D @ Kampung Lapan Kesidang Near Melaka City
€ 105,626
Listed on August 6, 2026
RM298K Only! HIGH FLOOR RIVER VIEW Apartment @ Residensi Rumpun Bahagia
RM298K Only! HIGH FLOOR RIVER VIEW Apartment @ Residensi Rumpun Bahagia
€ 63,206
Listed on August 4, 2026
RARE GARDEN UNIT 1399sqft RENOVATED Condo @ Admiral Residence
RARE GARDEN UNIT 1399sqft RENOVATED Condo @ Admiral Residence
€ 84,416
Listed on August 17, 2026
SPACIOUS Bungalow With SWIMMING POOL @ Ozana Villa Ayer Keroh
SPACIOUS Bungalow With SWIMMING POOL @ Ozana Villa Ayer Keroh
€ 1,273 /month
Listed on August 13, 2026
PRIME 22'x80' Shoplot Near Mature Housing Area at Taman Melaka Baru
PRIME 22'x80' Shoplot Near Mature Housing Area @ Taman Melaka Baru
€ 124,715
Listed on July 20, 2026
NEW BARE SPACIOUS 40x80 Semi-D For Sale @ Klebang Utama Melaka
NEW BARE SPACIOUS 40x80 Semi-D For Sale @ Klebang Utama Melaka
€ 177,104
Listed on July 21, 2026
SPACIOUS FREEHOLD 2 Storey Terrace @ Desa Cheng Perdana
SPACIOUS FREEHOLD 2 Storey Terrace @ Desa Cheng Perdana
€ 116,655
Listed on August 12, 2026
BRAND NEW SPACIOUS 24x60 Double Storey Terrace @ Bukit Katil Melaka
BRAND NEW SPACIOUS 24x60 Double Storey Terrace @ Bukit Katil Melaka
€ 108,171
Listed on August 4, 2026
BELOW RM220K! RARE SEA VIEW Unit @ The Wave Residence Kota Laksamana
BELOW RM220K! RARE SEA VIEW Unit @ The Wave Residence Kota Laksamana
€ 45,602
Listed on August 11, 2026
EXCLUSIVE Self-Built Bungalow with HUGE LAND for Rent @ Ozana Villas
EXCLUSIVE Self-Built Bungalow with HUGE LAND for Rent @ Ozana Villas
€ 679 /month
Listed on September 3, 2026
VALUE BUY! 330K WELL MAINTAINED Condo @ The Heights Ayer Keroh
VALUE BUY! 330K WELL MAINTAINED Condo @ The Heights Ayer Keroh
€ 69,993
Listed on September 15, 2026
MODERN FULLY FURNISHED Terrace House In Kota Laksamana Melaka
MODERN FULLY FURNISHED Terrace House In Kota Laksamana Melaka
€ 131,502
Listed on July 29, 2026
LUXURY 1 ARCE Bungalow @ Simpang Kendong Near Alor Gajah
LUXURY 1 ARCE Bungalow @ Simpang Kendong Near Alor Gajah
€ 1,485 /month
Listed on August 3, 2026
PRIME Kota Laksamana Hotel For Rent Near Jonker Street
PRIME Kota Laksamana Hotel For Rent Near Jonker Street
€ 5,303 /month
Listed on September 14, 2026
RENOVATED Single Storey Terrace FACING FIELD @ Angkasa Nuri
RENOVATED Single Storey Terrace FACING FIELD @ Angkasa Nuri
€ 67,448
Listed on August 5, 2026
BELOW BANK VALUE FULLY RENOVATED Terrace @ Bukit Katil Melaka
BELOW BANK VALUE FULLY RENOVATED Terrace @ Bukit Katil Melaka
€ 101,808
Listed on June 10, 2026
RARE ENDLOT SPACIOUS Terrace @ Taman Sutera Batu Berendam
RARE ENDLOT SPACIOUS Terrace @ Taman Sutera Batu Berendam
€ 135,320
Listed on September 9, 2026
RARE 11,948 Sqft FREEHOLD Shoplots on MAIN ROAD @ Tengkera
RARE 11,948 Sqft FREEHOLD Shoplots on MAIN ROAD @ Tengkera
€ 848,400
Listed on August 26, 2026
STRATEGIC 2nd Floor Office Space with LIFT @ Jalan Plaza Pandan Malim
STRATEGIC 2nd Floor Office Space with LIFT @ Jalan Plaza Pandan Malim
€ 530 /month
Listed on August 4, 2026
MOVE-IN READY! PREMIUM 4BR Terrace RM2K @ Batu Berendam
MOVE-IN READY! PREMIUM 4BR Terrace RM2K @ Batu Berendam
€ 424 /month
Listed on September 11, 2026
HOT DEAL! STRATEGIC Apartment RM220K @ Rumpun Bahagia
HOT DEAL! STRATEGIC Apartment RM220K @ Rumpun Bahagia
€ 46,662
Listed on September 11, 2026
HOT DEAL! SPACIOUS 5BR Double Storey @ Bertam Perdana
HOT DEAL! SPACIOUS 5BR Double Storey @ Bertam Perdana
€ 93,324
Listed on August 28, 2026
SPACIOUS END LOT Terrace with ATTIC For Sale @ Ayer Keroh Height
SPACIOUS END LOT Terrace with ATTIC For Sale @ Ayer Keroh Height
€ 71,690
Listed on July 21, 2026
FREEHOLD 3 Side-by-Side Shoplots FACING MAIN ROAD @ Melaka Town
FREEHOLD 3 Side-by-Side Shoplots FACING MAIN ROAD @ Melaka Town
€ 593,880
Listed on July 30, 2026
SPACIOUS Single Storey Semi-D For Rent @ Ozana Residence Melaka
SPACIOUS Single Storey Semi-D For Rent @ Ozana Residence Melaka
€ 339 /month
Listed on June 10, 2026
VACANT NOW! FULLY FURNISHED Condo @ Muzaffar Heights Ayer Keroh
VACANT NOW! FULLY FURNISHED Condo @ Muzaffar Heights Ayer Keroh
€ 276 /month
Listed on July 21, 2026
SPACIOUS 2-Storey Terrace @ Gadong Perdana Melaka
SPACIOUS 2-Storey Terrace @ Gadong Perdana Melaka
€ 88,658
Listed on June 22, 2026
SPACIOUS Sea View Duplex Condo 2BR FULLY FURNISHED @ Golden Coast
SPACIOUS Sea View Duplex Condo 2BR FULLY FURNISHED @ Golden Coast
€ 297 /month
Listed on August 21, 2026
SUPER HOT DEAL! SPACIOUS 818 Sqft Duplex Apartment @ Kota Laksamana
SUPER HOT DEAL! SPACIOUS 818 Sqft Duplex Apartment @ Kota Laksamana
€ 19,089
Listed on September 1, 2026
RM150K Only! Refurbished 2-Storey Terrace @ Bukit Katil
RM150K Only! Refurbished 2-Storey Terrace @ Bukit Katil
€ 31,815
Listed on September 11, 2026
FREEHOLD WELL MAINTAINED Single Storey House @ Taman Rembia Utama
FREEHOLD WELL MAINTAINED Single Storey House @ Taman Rembia Utama
€ 51,965
Listed on July 23, 2026
NEWLY RENOVATED CORNER LOT Ground Floor Townhouse @ Krubong Perdana
NEWLY RENOVATED CORNER LOT Ground Floor Townhouse @ Krubong Perdana
€ 48,783
Listed on July 29, 2026
CORNER RENOVATED FULLY FURNISHED Terrace @ Ayer Keroh Melaka
CORNER RENOVATED FULLY FURNISHED Terrace @ Ayer Keroh Melaka
€ 127,260
Listed on June 23, 2026
Fully Furnished Amber Cove Residence with City View @ Melaka
Fully Furnished Amber Cove Residence with City View @ Melaka
€ 276 /month
Listed on June 11, 2026
HIGH FLOOR FULLY FURNISHED 3R @ The Heights Residence
HIGH FLOOR FULLY FURNISHED 3R @ The Heights Residence
€ 276 /month
Listed on September 1, 2026
RM800 ONLY! Duplex 3R 3B Apartment For Rent @ Kota Laksamana
RM800 ONLY! Duplex 3R 3B Apartment For Rent @ Kota Laksamana
€ 170 /month
Listed on August 27, 2026
BELOW BANK VALUE! FREEHOLD 2.5 Semi-D For Sale @ Kasturi Semabok
BELOW BANK VALUE! FREEHOLD 2.5 Semi-D For Sale @ Kasturi Semabok
€ 207,858
Listed on July 20, 2026
READY MOVE IN FULLY FURNISHED @ Ambience Residence Pulau Gadong Melaka
READY MOVE IN FULLY FURNISHED @ Ambience Residence Pulau Gadong Melaka
€ 276 /month
Listed on June 10, 2026
MAIN ROAD GROUND FLOOR END LOT Shop For Rent @ Kota Syahbandar Melaka
MAIN ROAD GROUND FLOOR END LOT Shop For Rent @ Kota Syahbandar Melaka
€ 1,018 /month
Listed on June 24, 2026
STRATEGIC GROUND FLOOR Shoplot With PRIVATE PARKING @ Kota Laksamana
STRATEGIC GROUND FLOOR Shoplot With PRIVATE PARKING @ Kota Laksamana
€ 658 /month
Listed on June 23, 2026
WELL-MAINTAINED Double Storey Terrace @ Paya Rumput Indah
WELL-MAINTAINED Double Storey Terrace @ Paya Rumput Indah
€ 255 /month
Listed on June 24, 2026
SPACIOUS Refurbished Double Storey Terrace @ Batu Berendam
SPACIOUS Refurbished Double Storey Terrace @ Batu Berendam
€ 255 /month
Listed on September 9, 2026
SPACIOUS MAIN ROAD Ground Floor Shoplot For Rent @ Merlimau
SPACIOUS MAIN ROAD Ground Floor Shoplot For Rent @ Merlimau
€ 530 /month
Listed on August 28, 2026
LARGE FREEHOLD Mature Palm Oil Land @ Alor Gajah Melaka
LARGE FREEHOLD Mature Palm Oil Land @ Alor Gajah Melaka
€ 398,748
Listed on June 23, 2026
PREMIUM FULLY FURNISHED 3BR Condo @ Parkland Residence
PREMIUM FULLY FURNISHED 3BR Condo @ Parkland Residence
€ 530 /month
Listed on August 21, 2026
Fully Renovated Double Storey Terrace For Sale At Taman Tehel Impian
Fully Renovated Double Storey Terrace For Sale At Taman Tehel Impian
€ 131,502
Listed on June 19, 2026
BELOW BANK VALUE 2 Storey Terrace For Sale @ Taman Merdeka Jaya
BELOW BANK VALUE 2 Storey Terrace For Sale @ Taman Merdeka Jaya
€ 80,386
Listed on July 8, 2026
BE THE FIRST TENANT! BRAND NEW CORNER Unit @ Ecco Point Merlimau
BE THE FIRST TENANT! BRAND NEW CORNER Unit @ Ecco Point Merlimau
€ 2,333 /month
Listed on July 27, 2026
BELOW BANK VALUE RM430K! FREEHOLD 4BR @ Taman Asean
BELOW BANK VALUE RM430K! FREEHOLD 4BR @ Taman Asean
€ 91,203
Listed on September 8, 2026
PREMIUM Semi-D Factory Warehouse with Office @ Ayer Keroh Eco Park
PREMIUM Semi-D Factory Warehouse with Office @ Ayer Keroh Eco Park
€ 1,591 /month
Listed on September 10, 2026
AFFORDABLE RM900 FULLY FURNISHED @ Kenanga Park View Court
AFFORDABLE RM900 FULLY FURNISHED @ Kenanga Park View Court
€ 191 /month
Listed on September 10, 2026
RM278K FREEHOLD! Huge Land Facing Padang @ Taman Rembia Utama
RM278K FREEHOLD! Huge Land Facing Padang @ Taman Rembia Utama
€ 58,964
Listed on September 8, 2026
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BELOW BANK VALUE RM439K! SPACIOUS 4BR FREEHOLD @ Bertam Putra
€ 93,112
Listed on September 9, 2026
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HOT VALUE! Double Storey Bungalow @ BJB Heights Jasin
€ 123,018
Listed on August 28, 2026
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Exceptional Value ! Strategic Factory Warehouse For Sale @ Malim Jaya
€ 74,235
Listed on July 29, 2026
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VALUE BUY! FREEHOLD Double Storey Terrace @ Cheng Baru
€ 95,021
Listed on July 29, 2026
PRIME LOCATION Double Storey Shoplot For Rent @ Taman Merdeka Permai
PRIME LOCATION Double Storey Shoplot For Rent @ Taman Merdeka Permai
€ 530 /month
Listed on July 30, 2026
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END LOT 2 Storey Terrace EXTRA SIDE LAND @ Malim Jaya
€ 44,117
Listed on August 5, 2026
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FULLY FURNISHED Admiral Residences CITY VIEW Unit @ Kota Melaka
€ 84,840
Listed on August 4, 2026
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HOT DEAL! WELL MAINTAIN Tiara Condo 3BR @ Ayer Keroh
€ 39,875
Listed on August 19, 2026
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STRATEGIC Single Storey Terrace For Sale @ Pulau Gadong Perdana
€ 78,053
Listed on July 21, 2026
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FULLY RENOVATED FREEHOLD Terrace Only RM310K @ Bertam Ulu Cheng
€ 65,751
Listed on July 29, 2026
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FREEHOLD SPACIOUS Semi-D Fully Extended For Sale @ Paya Rumput
€ 103,505
Listed on September 15, 2026
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BELOW BANK VALUE RM100K! Terrace House @ Melaka Baru
€ 41,996
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PRIME 1.262 Acres FREEHOLD Land Near Melaka Town @ Bukit Serindit
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Brand New 3 Storey Shoplot Facing Main Road @ Skywiz Ayer Keroh
€ 1,061 /month
Listed on July 24, 2026
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MOVE-IN READY FULLY FURNISHED Terrace @ Muzaffar Heights Melaka
€ 530 /month
Listed on June 23, 2026
BRAND NEW NEVER OCCUPIED Terrace @ Bandar Botani Parkland Jasin
BRAND NEW NEVER OCCUPIED Terrace @ Bandar Botani Parkland Jasin
€ 180 /month
Listed on July 21, 2026
REFURBISHED Apartment with Lift @ Bandar Hilir Melaka
REFURBISHED Apartment with Lift @ Bandar Hilir Melaka
€ 180 /month
Listed on June 10, 2026
RM115K ONLY! 1+1BR FULLY FURNISHED High Floor Condo @ D'Savoy A'Famosa
RM115K ONLY! 1+1BR FULLY FURNISHED High Floor Condo @ D'Savoy A'Famosa
€ 24,392
Listed on August 13, 2026
SPACIOUS 6BR Bungalow For Sale @ Vista Kirana Ayer Keroh
SPACIOUS 6BR Bungalow For Sale @ Vista Kirana Ayer Keroh
€ 211,676
Listed on July 27, 2026
FULLY RENOVATED CITY VIEW Unit Below Bank Value @ Silverscape Melaka
FULLY RENOVATED CITY VIEW Unit Below Bank Value @ Silverscape Melaka
€ 37,118
Listed on August 17, 2026
GOOD CONDITION CORNER LOT Terrace @ Muzaffar Heights, Ayer Keroh
GOOD CONDITION CORNER LOT Terrace @ Muzaffar Heights, Ayer Keroh
€ 92,900
Listed on June 29, 2026
RENOVATED FREEHOLD Terrace FACING OPEN LAND For Sale @ Bukit Beruang
RENOVATED FREEHOLD Terrace FACING OPEN LAND For Sale @ Bukit Beruang
€ 110,292
Listed on July 6, 2026
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EXTENDED FREEHOLD Terrace House with Mezzanine Floor @ Bukit Katil
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Listed on July 28, 2026
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PRIME ROADSIDE Commercial Land with Shelter @ Lebuh AMJ Melaka
€ 3,182 /month
Listed on June 18, 2026
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SPACIOUS CORNER LOT Terrace with HUGE LAND @ Taman Merdeka
€ 133,199
Listed on August 5, 2026
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Jalan Masjid Ujong Pasir, Kampung Ujong Pasir, 75050 Melaka.
€ 636 /month
Listed on June 9, 2026
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HOT Deal! FULLY FURNISHED 2R1B @ The Wave Residence Kota Syahbandar
€ 53,025
Listed on August 11, 2026
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BELOW BANK VALUE! FULLY FURNISHED Condominium @ Novo8 Residence Bachang
€ 78,053
Listed on August 27, 2026
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Taman Kota Laksamana Jaya, 75200 Melaka
€ 318,150
Listed on May 28, 2026
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Melaka City! READY MOVE IN CONDITION Apartment @ Melaka Raya
€ 191 /month
Listed on August 27, 2026
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HOT DEAL BELOW RM160K! Spacious Condo @ Garden City Melaka Raya
€ 31,815
Listed on August 12, 2026
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FREEHOLD BELOW MARKET Semi-D @ Taman Sentosa Bukit Beruang
€ 148,046
Listed on June 22, 2026
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WELL MAINTAINED Double Storey Terrace @ Taman Merdeka Jaya
€ 74,235
Listed on August 3, 2026
22' x 70' READY TO MOVE IN MAIN ROAD Shoplot For Sale @ Malim Jaya
22' x 70' READY TO MOVE IN MAIN ROAD Shoplot For Sale @ Malim Jaya
€ 82,295
Listed on July 30, 2026
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RARE 3,184sqft FREEHOLD Superlink @ Laman Klebang
€ 162,893
Listed on September 8, 2026
RARE Premium Bungalow With SWIMMING POOL @ Ozana Villa Ayer Keroh
RARE Premium Bungalow With SWIMMING POOL @ Ozana Villa Ayer Keroh
€ 349,965
Listed on August 13, 2026
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PREMIUM FULLY RENOVATED FREEHOLD Semi-D @ Bukit Katil Melaka
€ 180,285
Listed on July 28, 2026
NEW FULLY FURNISHED MOVE-IN READY Condo @ Admiral Residence Kota Laksamana
NEW FULLY FURNISHED MOVE-IN READY Condo @ Admiral Residence Kota Laksamana
€ 350 /month
Listed on July 28, 2026
STRATEGIC CORNER Shop Facing Busy Commercial Area @ Malim Jaya Melaka
STRATEGIC CORNER Shop Facing Busy Commercial Area @ Malim Jaya Melaka
€ 1,061 /month
Listed on June 24, 2026
HIGH VISIBILITY Facing AMJ MAIN ROAD Shoplot @ Semabok Perdana
HIGH VISIBILITY Facing AMJ MAIN ROAD Shoplot @ Semabok Perdana
€ 190,466
Listed on August 14, 2026
MODERN RENOVATED 2.5 Storey Terrace near TARCOR PARK @ Limbongan Indah
MODERN RENOVATED 2.5 Storey Terrace near TARCOR PARK @ Limbongan Indah
€ 188,345
Listed on August 7, 2026
HOT DEAL! 4Room Single Terrace House @ Taman Krubong Jaya
HOT DEAL! 4Room Single Terrace House @ Taman Krubong Jaya
€ 61,509
Listed on July 17, 2026
RENOVATED! FULLY FURNISHED POOL VIEW Condo @ Atlantis Residence
RENOVATED! FULLY FURNISHED POOL VIEW Condo @ Atlantis Residence
€ 276 /month
Listed on August 12, 2026
FREEHOLD LUXURY FULLY FURNISHED Corner Bungalow Near Tampin Square
FREEHOLD LUXURY FULLY FURNISHED Corner Bungalow Near Tampin Square
€ 222,705
Listed on August 5, 2026
FREEHOLD GATED & GUARDED Terrace For Sale @ Bertam Heights Melaka
FREEHOLD GATED & GUARDED Terrace For Sale @ Bertam Heights Melaka
€ 119,837
Listed on June 26, 2026
HIGH FLOOR FULLY FURNISHED Condo @ The Heights Residence
HIGH FLOOR FULLY FURNISHED Condo @ The Heights Residence
€ 297 /month
Listed on September 10, 2026
AFFORDABLE BARE NEW MODERN Terrace With SMART LOCK @ Pengkalan Impian
AFFORDABLE BARE NEW MODERN Terrace With SMART LOCK @ Pengkalan Impian
€ 95,445
Listed on June 23, 2026
FULLY FURNISHED Studio Sea & City View @ Bali Residence
FULLY FURNISHED Studio Sea & City View @ Bali Residence
€ 318 /month
Listed on July 20, 2026
HUGE 14,866 SqFt Open Yard and Warehouse @ Taman Malim Jaya
HUGE 14,866 SqFt Open Yard and Warehouse @ Taman Malim Jaya
€ 1,591 /month
Listed on September 1, 2026
Move-In Ready 3BR FULLY FURNISHED @ PR1MA Klebang 2
Move-In Ready 3BR FULLY FURNISHED @ PR1MA Klebang 2
€ 339 /month
Listed on August 27, 2026
PRIME CORNER Shoplot Near Starbucks For Sale @ Malim Jaya
PRIME CORNER Shoplot Near Starbucks For Sale @ Malim Jaya
€ 154,833
Listed on July 24, 2026
PRIME Studio Condo with CITY & SEA VIEW For Sale @ Bali Residence Melaka
PRIME Studio Condo with CITY & SEA VIEW For Sale @ Bali Residence Melaka
€ 65,751
Listed on July 20, 2026
HOT RENTAL! 3R1B FURNISHED Terrace Near Manipal @ Tmn Sin Hoe Bukit Baru
HOT RENTAL! 3R1B FURNISHED Terrace Near Manipal @ Tmn Sin Hoe Bukit Baru
€ 276 /month
Listed on August 13, 2026
PRIME Single Storey Semi-D @ Ozana Residence Bukit Katil Melaka
PRIME Single Storey Semi-D @ Ozana Residence Bukit Katil Melaka
€ 146,349
Listed on June 10, 2026
LIMITED UNITS! BRAND NEW Shoplots for RENT @ Ecco Point Merlimau
LIMITED UNITS! BRAND NEW Shoplots for RENT @ Ecco Point Merlimau
€ 1,697 /month
Listed on July 27, 2026
RM380K！SPACIOUS FULLY EXTENDED Terrace House @ Bukit Katil
RM380K！SPACIOUS FULLY EXTENDED Terrace House @ Bukit Katil
€ 80,598
Listed on September 1, 2026
RARE Residential Land BUILD YOUR DREAM HOME @ Tiara Golf Bukit Katil
RARE Residential Land BUILD YOUR DREAM HOME @ Tiara Golf Bukit Katil
€ 107,838
Listed on August 6, 2026
PREMIUM FREEHOLD Semi-D 40x80 FACING FIELD @ Bukit Baru Murni
PREMIUM FREEHOLD Semi-D 40x80 FACING FIELD @ Bukit Baru Murni
€ 250,278
Listed on August 4, 2026
STRATEGIC MOVE-IN READY Shoplot for Rent @ Taman Melaka Baru
STRATEGIC MOVE-IN READY Shoplot for Rent @ Taman Melaka Baru
€ 424 /month
Listed on July 20, 2026
FREEHOLD Double Storey Shoplot For Sale @ Taman Puncak Bertam Melaka
FREEHOLD Double Storey Shoplot For Sale @ Taman Puncak Bertam Melaka
€ 116,231
Listed on July 29, 2026
BRAND NEW 2 Storey Shop Facing MAIN ROAD @ Bertam Impian Melaka
BRAND NEW 2 Storey Shop Facing MAIN ROAD @ Bertam Impian Melaka
€ 424 /month
Listed on August 4, 2026
TOWN AREA Old Structure Building at Jalan Bandar Hilir Melaka Raya
TOWN AREA Old Structure Building at Jalan Bandar Hilir Melaka Raya
€ 105,626
Listed on June 10, 2026
MELAKA RIVER VIEW FULLY FURNUSHED Condo @ Casa Del Rio Jonker Melaka
MELAKA RIVER VIEW FULLY FURNUSHED Condo @ Casa Del Rio Jonker Melaka
€ 360,570
Listed on July 28, 2026
MAIN ROAD Triple Storey Shoplot with 4% ROI @ Kota Laksamana
MAIN ROAD Triple Storey Shoplot with 4% ROI @ Kota Laksamana
€ 466,620
Listed on June 10, 2026
STRATEGIC CORNER Shoplot Near Pay Fong 2 & IJC @ Jalan Parameswara
STRATEGIC CORNER Shoplot Near Pay Fong 2 & IJC @ Jalan Parameswara
€ 488 /month
Listed on July 6, 2026
PRIME FREEHOLD Bungalow in MELAKA TOWN Area @ Ujong Pasir
PRIME FREEHOLD Bungalow in MELAKA TOWN Area @ Ujong Pasir
€ 180,285
Listed on June 10, 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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