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
395 transactions
124 properties on sale
74 properties on rent
Contact Vinc Pheng
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Vinc Pheng's Service Locations
My Listings
RARE SPACIOUS 4,865sqft RENOVATED Semi-D @ Bukit Katil
RARE SPACIOUS 4,865sqft RENOVATED Semi-D @ Bukit Katil
RM 1,200,000
Listed on August 20, 2026
AFFORDABLE SPACIOUS 4BR Double Storey Terrace @ Taman Desa Bertam
AFFORDABLE SPACIOUS 4BR Double Storey Terrace @ Taman Desa Bertam
RM 1,200 /month
Listed on September 14, 2026
SPACIOUS MAIN ROAD Ground Floor Shoplot For Rent @ Merlimau
SPACIOUS MAIN ROAD Ground Floor Shoplot For Rent @ Merlimau
RM 2,500 /month
Listed on August 28, 2026
BE THE FIRST TENANT! BRAND NEW CORNER Unit @ Ecco Point Merlimau
BE THE FIRST TENANT! BRAND NEW CORNER Unit @ Ecco Point Merlimau
RM 11,000 /month
Listed on July 27, 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
RM 494,190
Listed on September 4, 2026
Taman Kota Laksamana
Kota Laksamana
RM 2,200,000
Listed on June 18, 2026
PREMIUM FREEHOLD Corner Unit @ Parkland Residence Melaka
PREMIUM FREEHOLD Corner Unit @ Parkland Residence Melaka
RM 570,000
Listed on July 16, 2026
WELL-MAINTAINED GROUND FLOOR Apartment @ Cheng Ria
WELL-MAINTAINED GROUND FLOOR Apartment @ Cheng Ria
RM 155,000
Listed on July 22, 2026
PRIME ROADSIDE Commercial Land with Shelter @ Lebuh AMJ Melaka
PRIME ROADSIDE Commercial Land with Shelter @ Lebuh AMJ Melaka
RM 15,000 /month
Listed on June 10, 2026
BELOW BANK VALUE! SPACIOUS 24x80 Terrace @ Tanjung Minyak
BELOW BANK VALUE! SPACIOUS 24x80 Terrace @ Tanjung Minyak
RM 428,000
Listed on August 13, 2026
BELOW RM290K! 1.5 Storey Shoplot with RENTAL INCOME @ Batu Berendam
BELOW RM290K! 1.5 Storey Shoplot with RENTAL INCOME @ Batu Berendam
RM 285,000
Listed on July 22, 2026
BELOW BANK VALUE @ Costa Mahkota Melaka Raya
BELOW BANK VALUE @ Costa Mahkota Melaka Raya
RM 198,000
Listed on June 10, 2026
PRIME LOCATION! FULLY FURNISHED Condo For Sale @ Admiral Residence
PRIME LOCATION! FULLY FURNISHED Condo For Sale @ Admiral Residence
RM 430,000
Listed on August 11, 2026
RM79K ONLY! BELOW BANK VALUE 2BR Apartment @ Malim Jaya
RM79K ONLY! BELOW BANK VALUE 2BR Apartment @ Malim Jaya
RM 79,000
Listed on August 19, 2026
INDUSTRIAL WAREHOUSE 2,880 Sqft with EXTRA LAND @ Malim Jaya, Melaka
INDUSTRIAL WAREHOUSE 2,880 Sqft with EXTRA LAND @ Malim Jaya, Melaka
RM 3,000 /month
Listed on June 10, 2026
RARE 5BR FULLY EXTENDED Terrace RM438K @ Muzaffar Heights
RARE 5BR FULLY EXTENDED Terrace RM438K @ Muzaffar Heights
RM 438,000
Listed on September 2, 2026
LOW RENTAL! MOVE-IN READY Casa Lago Condo @ Melaka Raya
LOW RENTAL! MOVE-IN READY Casa Lago Condo @ Melaka Raya
RM 700 /month
Listed on August 7, 2026
BELOW BANK VALUE! Corner Unit 4BR Condo @ Ujong Pasir
BELOW BANK VALUE! Corner Unit 4BR Condo @ Ujong Pasir
RM 348,000
Listed on September 4, 2026
INVESTMENT DEAL! 3-Storey Freehold Warehouse @ Krubong
INVESTMENT DEAL! 3-Storey Freehold Warehouse @ Krubong
RM 1,800,000
Listed on August 12, 2026
RM125K!1054sqft 3rd Floor Apartment For Sale,Tenanted @ Malim Jaya
RM125K!1054sqft 3rd Floor Apartment For Sale,Tenanted @ Malim Jaya
RM 125,000
Listed on August 10, 2026
PRIME Kota Laksamana Hotel For Rent Near Jonker Street
PRIME Kota Laksamana Hotel For Rent Near Jonker Street
RM 25,000 /month
Listed on September 14, 2026
FREEHOLD 3 Side-by-Side Shoplots FACING MAIN ROAD @ Melaka Town
FREEHOLD 3 Side-by-Side Shoplots FACING MAIN ROAD @ Melaka Town
RM 2,800,000
Listed on July 30, 2026
MOVE-IN READY 1st Floor Shoplot @ Kota Laksamana Jaya
MOVE-IN READY 1st Floor Shoplot @ Kota Laksamana Jaya
RM 1,700 /month
Listed on August 11, 2026
RARE 35Rooms Boutique Hotel @ Kota Laksamana 2 Mins to Jonker Melaka
RARE 35Rooms Boutique Hotel @ Kota Laksamana 2 Mins to Jonker Melaka
RM 3,980,000
Listed on September 14, 2026
VALUE BUY! 3-Bedroom FREEHOLD Terrace @ Taman Kerjasama Bukit Beruang
VALUE BUY! 3-Bedroom FREEHOLD Terrace @ Taman Kerjasama Bukit Beruang
RM 308,000
Listed on July 27, 2026
Rare SPACIOUS CORNER LOT! FREEHOLD 5R Double Storey @ Kampung Lapan
Rare SPACIOUS CORNER LOT! FREEHOLD 5R Double Storey @ Kampung Lapan
RM 700,000
Listed on September 1, 2026
SPACIOUS Bungalow With SWIMMING POOL @ Ozana Villa Ayer Keroh
SPACIOUS Bungalow With SWIMMING POOL @ Ozana Villa Ayer Keroh
RM 6,000 /month
Listed on August 13, 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
RM 7,165,620
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
RM 688,000
Listed on August 18, 2026
STRATEGIC 2nd Floor Office Space with LIFT @ Jalan Plaza Pandan Malim
STRATEGIC 2nd Floor Office Space with LIFT @ Jalan Plaza Pandan Malim
RM 2,500 /month
Listed on August 4, 2026
Modern & SPACIOUS 4BR WELL-MAINTAINED Terrace @ Malim Jaya
Modern & SPACIOUS 4BR WELL-MAINTAINED Terrace @ Malim Jaya
RM 458,000
Listed on September 2, 2026
SPACIOUS FREEHOLD Bungalow with 8,105sqft Land @ USJ Subang Jaya
SPACIOUS FREEHOLD Bungalow with 8,105sqft Land @ USJ Subang Jaya
RM 3,100,000
Listed on July 17, 2026
Modern FULLY FURNISHED 1BR For Rent @ The Apple Residence
Modern FULLY FURNISHED 1BR For Rent @ The Apple Residence
RM 1,500 /month
Listed on September 14, 2026
PRIME LOCATION 3-Storey Shoplot @ Cheng Utama
PRIME LOCATION 3-Storey Shoplot @ Cheng Utama
RM 4,200 /month
Listed on August 28, 2026
FREEHOLD FULLY RENOVATED & REBUILT Terrace @ Ujong Pasir
FREEHOLD FULLY RENOVATED & REBUILT Terrace @ Ujong Pasir
RM 568,000
Listed on September 1, 2026
RARE 3 Adjoining FREEHOLD Land RM40 psf @ Sungai Udang Melaka
RARE 3 Adjoining FREEHOLD Land RM40 psf @ Sungai Udang Melaka
RM 839,920
Listed on August 27, 2026
BELOW BANK VALUE! SPACIOUS Terrace House @ Semabok Perdana Melaka
BELOW BANK VALUE! SPACIOUS Terrace House @ Semabok Perdana Melaka
RM 528,000
Listed on July 16, 2026
RM248K ONLY! FREEHOLD High Hill Corner Townhouse @ Bukit Cheng
RM248K ONLY! FREEHOLD High Hill Corner Townhouse @ Bukit Cheng
RM 248,000
Listed on August 7, 2026
RM160K ONLY! BELOW MARKET VALUE Casa Lago 2BR Apartment
RM160K ONLY! BELOW MARKET VALUE Casa Lago 2BR Apartment
RM 160,000
Listed on September 10, 2026
BRAND NEW SPACIOUS 24x60 Double Storey Terrace @ Bukit Katil Melaka
BRAND NEW SPACIOUS 24x60 Double Storey Terrace @ Bukit Katil Melaka
RM 510,000
Listed on August 4, 2026
GROUND FLOOR Shoplot FACING MAIN ROAD @ Malim Jaya Melaka
GROUND FLOOR Shoplot FACING MAIN ROAD @ Malim Jaya Melaka
RM 2,200 /month
Listed on July 30, 2026
RM240K ONLY! Airbnb Studio City View @ The Pines Melaka
RM240K ONLY! Airbnb Studio City View @ The Pines Melaka
RM 240,000
Listed on September 14, 2026
FREEHOLD WELL MAINTAINED Single Storey House @ Taman Rembia Utama
FREEHOLD WELL MAINTAINED Single Storey House @ Taman Rembia Utama
RM 245,000
Listed on July 23, 2026
BRAND NEW With SMART LOCK Terrace @ iMolek Pengkalan Impian
BRAND NEW With SMART LOCK Terrace @ iMolek Pengkalan Impian
RM 1,600 /month
Listed on August 5, 2026
MAIN ROAD CORNER 1st Floor Shoplot For Rent @ Durian Tunggal
MAIN ROAD CORNER 1st Floor Shoplot For Rent @ Durian Tunggal
RM 2,000 /month
Listed on June 23, 2026
PREMIUM FULLY FURNISHED Condo @ Parkland Residence Bachang
PREMIUM FULLY FURNISHED Condo @ Parkland Residence Bachang
RM 1,800 /month
Listed on July 23, 2026
LARGE Commercial Premises @ MELAKA CITY Laksamana Cheng Ho
LARGE Commercial Premises @ MELAKA CITY Laksamana Cheng Ho
RM 12,000 /month
Listed on July 22, 2026
HOT DEAL! SPACIOUS 5BR Double Storey @ Bertam Perdana
HOT DEAL! SPACIOUS 5BR Double Storey @ Bertam Perdana
RM 440,000
Listed on August 28, 2026
HIGH FLOOR 3R2B FULLY FURNISED Condo @ The Heights Ayer Keroh
HIGH FLOOR 3R2B FULLY FURNISED Condo @ The Heights Ayer Keroh
RM 1,500 /month
Listed on August 12, 2026
FULLY FURNISHED! Apartment @ Taman Malim Jaya
FULLY FURNISHED! Apartment @ Taman Malim Jaya
RM 680 /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
RM 1,800 /month
Listed on August 11, 2026
BELOW VALUE! Freehold with Attic Terrace @ Bukit Baru Melaka
BELOW VALUE! Freehold with Attic Terrace @ Bukit Baru Melaka
RM 350,000
Listed on June 22, 2026
HOT DEAL! FREEHOLD FULLY FURNISHED Terrace @ Bukit Beruang
HOT DEAL! FREEHOLD FULLY FURNISHED Terrace @ Bukit Beruang
RM 380,000
Listed on August 11, 2026
Town Area WELL MAINTAINED Studio Condo @ The Quartz Residence, Bachang
Town Area WELL MAINTAINED Studio Condo @ The Quartz Residence, Bachang
RM 1,200 /month
Listed on August 26, 2026
FULLY EQUIPPED 4R3B Terrace For Rent @ Puncak Bertam Melaka
FULLY EQUIPPED 4R3B Terrace For Rent @ Puncak Bertam Melaka
RM 2,500 /month
Listed on August 12, 2026
RARE GARDEN UNIT 1399sqft RENOVATED Condo @ Admiral Residence
RARE GARDEN UNIT 1399sqft RENOVATED Condo @ Admiral Residence
RM 398,000
Listed on August 17, 2026
SPACIOUS FREEHOLD NON-BUMI 2-Storey Terrace @ Taman Merak Mas
SPACIOUS FREEHOLD NON-BUMI 2-Storey Terrace @ Taman Merak Mas
RM 528,000
Listed on August 21, 2026
Presint Destar Krubong FREEHOLD GATED GUARDED @ 1 Krubong
Presint Destar Krubong FREEHOLD GATED GUARDED @ 1 Krubong
RM 550,000
Listed on August 14, 2026
HIGH VISIBILITY CORNER Shoplot for Rent @ Taman Teknologi Cheng
HIGH VISIBILITY CORNER Shoplot for Rent @ Taman Teknologi Cheng
RM 5,500 /month
Listed on July 27, 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
RM 6,000 /month
Listed on June 23, 2026
Affordable SPACIOUS 5BR Double Storey @ Bertam Perdana Pulau Gadong
Affordable SPACIOUS 5BR Double Storey @ Bertam Perdana Pulau Gadong
RM 1,200 /month
Listed on August 28, 2026
RARE FREEHOLD Semi D @ Kampung Lapan Kesidang Near Melaka City
RARE FREEHOLD Semi D @ Kampung Lapan Kesidang Near Melaka City
RM 498,000
Listed on August 6, 2026
PRIME 22'x80' Shoplot Near Mature Housing Area at Taman Melaka Baru
PRIME 22'x80' Shoplot Near Mature Housing Area @ Taman Melaka Baru
RM 588,000
Listed on July 20, 2026
PRIME MAIN ROAD Shoplot Opposite AEON Bandaraya
PRIME MAIN ROAD Shoplot Opposite AEON Bandaraya
RM 18,000 /month
Listed on September 4, 2026
FULLY EXTENDED SPACIOUS 4R3B Double Storey Terrace @ Semabok Jaya
FULLY EXTENDED SPACIOUS 4R3B Double Storey Terrace @ Semabok Jaya
RM 398,000
Listed on August 5, 2026
WELL MAINTAINED FREEHOLD Quartz Residence @ Taman Kenanga
WELL MAINTAINED FREEHOLD Quartz Residence @ Taman Kenanga
RM 430,000
Listed on July 14, 2026
NEW BARE SPACIOUS 40x80 Semi-D For Sale @ Klebang Utama Melaka
NEW BARE SPACIOUS 40x80 Semi-D For Sale @ Klebang Utama Melaka
RM 835,000
Listed on July 21, 2026
SPACIOUS FREEHOLD 2 Storey Terrace @ Desa Cheng Perdana
SPACIOUS FREEHOLD 2 Storey Terrace @ Desa Cheng Perdana
RM 550,000
Listed on August 12, 2026
RM380K Only! BELOW VALUATION! Factory @ Malim Industrial Area Melaka
RM380K Only! BELOW VALUATION! Factory @ Malim Industrial Area Melaka
RM 380,000
Listed on July 16, 2026
BELOW RM220K! RARE SEA VIEW Unit @ The Wave Residence Kota Laksamana
BELOW RM220K! RARE SEA VIEW Unit @ The Wave Residence Kota Laksamana
RM 215,000
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
RM 3,200 /month
Listed on September 3, 2026
HIGH VISIBILITY PRIME MAIN ROAD 2-Storey Shophouse @ Gajah Berang
HIGH VISIBILITY PRIME MAIN ROAD 2-Storey Shophouse @ Gajah Berang
RM 4,000 /month
Listed on September 10, 2026
BRAND NEW 3 Storey Corner Shoplot @ Kuala Sungai Baru
Kuala Sungai Baru, Melaka
RM 950,000
Listed on May 26, 2026
MODERN FULLY FURNISHED Terrace House In Kota Laksamana Melaka
MODERN FULLY FURNISHED Terrace House In Kota Laksamana Melaka
RM 620,000
Listed on July 29, 2026
LUXURY 1 ARCE Bungalow @ Simpang Kendong Near Alor Gajah
LUXURY 1 ARCE Bungalow @ Simpang Kendong Near Alor Gajah
RM 7,000 /month
Listed on August 3, 2026
RENOVATED Single Storey Terrace FACING FIELD @ Angkasa Nuri
RENOVATED Single Storey Terrace FACING FIELD @ Angkasa Nuri
RM 318,000
Listed on August 5, 2026
Fully Renovated Double Storey Terrace For Sale At Taman Tehel Impian
Fully Renovated Double Storey Terrace For Sale At Taman Tehel Impian
RM 620,000
Listed on June 10, 2026
BELOW BANK VALUE FULLY RENOVATED Terrace @ Bukit Katil Melaka
BELOW BANK VALUE FULLY RENOVATED Terrace @ Bukit Katil Melaka
RM 480,000
Listed on June 10, 2026
RARE ENDLOT SPACIOUS Terrace @ Taman Sutera Batu Berendam
RARE ENDLOT SPACIOUS Terrace @ Taman Sutera Batu Berendam
RM 638,000
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
RM 4,000,000
Listed on August 26, 2026
MOVE-IN READY! PREMIUM 4BR Terrace RM2K @ Batu Berendam
MOVE-IN READY! PREMIUM 4BR Terrace RM2K @ Batu Berendam
RM 2,000 /month
Listed on September 11, 2026
HOT DEAL! STRATEGIC Apartment RM220K @ Rumpun Bahagia
HOT DEAL! STRATEGIC Apartment RM220K @ Rumpun Bahagia
RM 220,000
Listed on September 11, 2026
SPACIOUS END LOT Terrace with ATTIC For Sale @ Ayer Keroh Height
SPACIOUS END LOT Terrace with ATTIC For Sale @ Ayer Keroh Height
RM 338,000
Listed on July 21, 2026
SPACIOUS Single Storey Semi-D For Rent @ Ozana Residence Melaka
SPACIOUS Single Storey Semi-D For Rent @ Ozana Residence Melaka
RM 1,600 /month
Listed on June 10, 2026
VACANT NOW! FULLY FURNISHED Condo @ Muzaffar Heights Ayer Keroh
VACANT NOW! FULLY FURNISHED Condo @ Muzaffar Heights Ayer Keroh
RM 1,300 /month
Listed on July 21, 2026
AFFORDABLE FREEHOLD Terrace @ Taman Tambun Perdana, Durian Tunggal
AFFORDABLE FREEHOLD Terrace @ Taman Tambun Perdana, Durian Tunggal
RM 315,000
Listed on August 14, 2026
SPACIOUS 2-Storey Terrace @ Gadong Perdana Melaka
SPACIOUS 2-Storey Terrace @ Gadong Perdana Melaka
RM 418,000
Listed on June 22, 2026
BELOW BANK VALUE! Apartment RM280K @ Bali Residence Kota Syahbandar
BELOW BANK VALUE! Apartment RM280K @ Bali Residence Kota Syahbandar
RM 280,000
Listed on July 14, 2026
SPACIOUS Sea View Duplex Condo 2BR FULLY FURNISHED @ Golden Coast
SPACIOUS Sea View Duplex Condo 2BR FULLY FURNISHED @ Golden Coast
RM 1,400 /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
RM 90,000
Listed on September 1, 2026
RM298K Only! HIGH FLOOR RIVER VIEW Apartment @ Residensi Rumpun Bahagia
RM298K Only! HIGH FLOOR RIVER VIEW Apartment @ Residensi Rumpun Bahagia
RM 298,000
Listed on August 4, 2026
RM150K Only! Refurbished 2-Storey Terrace @ Bukit Katil
RM150K Only! Refurbished 2-Storey Terrace @ Bukit Katil
RM 150,000
Listed on September 11, 2026
NEWLY RENOVATED CORNER LOT Ground Floor Townhouse @ Krubong Perdana
NEWLY RENOVATED CORNER LOT Ground Floor Townhouse @ Krubong Perdana
RM 230,000
Listed on July 29, 2026
CORNER RENOVATED FULLY FURNISHED Terrace @ Ayer Keroh Melaka
CORNER RENOVATED FULLY FURNISHED Terrace @ Ayer Keroh Melaka
RM 600,000
Listed on June 23, 2026
Fully Furnished Amber Cove Residence with City View @ Melaka
Fully Furnished Amber Cove Residence with City View @ Melaka
RM 1,300 /month
Listed on June 11, 2026
HIGH FLOOR FULLY FURNISHED 3R @ The Heights Residence
HIGH FLOOR FULLY FURNISHED 3R @ The Heights Residence
RM 1,300 /month
Listed on September 1, 2026
PRIME GROUND FLOOR CORNER Shoplot For Rent @ Angkasa Nuri
PRIME GROUND FLOOR CORNER Shoplot For Rent @ Angkasa Nuri
RM 4,500 /month
Listed on July 16, 2026
BEST BUY ONLY RM269K! Terrace @ Tmn Saujana, Bukit Katil Melaka
BEST BUY ONLY RM269K! Terrace @ Tmn Saujana, Bukit Katil Melaka
RM 269,000
Listed on June 22, 2026
RM800 ONLY! Duplex 3R 3B Apartment For Rent @ Kota Laksamana
RM800 ONLY! Duplex 3R 3B Apartment For Rent @ Kota Laksamana
RM 800 /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
RM 980,000
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
RM 1,300 /month
Listed on June 10, 2026
Exceptional Value ! Strategic Factory Warehouse For Sale @ Malim Jaya
Exceptional Value ! Strategic Factory Warehouse For Sale @ Malim Jaya
RM 350,000
Listed on July 29, 2026
BELOW BANK VALUE 2 Storey Terrace For Sale @ Taman Merdeka Jaya
BELOW BANK VALUE 2 Storey Terrace For Sale @ Taman Merdeka Jaya
RM 379,000
Listed on July 8, 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
RM 4,800 /month
Listed on June 24, 2026
RARE FREEHOLD Seaview Apartment 3R2B @ Ujong Pasir Melaka
RARE FREEHOLD Seaview Apartment 3R2B @ Ujong Pasir Melaka
RM 350,000
Listed on July 30, 2026
HOT DEAL! FULLY RENOVATED CITY VIEW Condo @ Apple Residence
HOT DEAL! FULLY RENOVATED CITY VIEW Condo @ Apple Residence
RM 450,000
Listed on September 4, 2026
PERFECT BUSINESS LOCATION! FACE MAIN ROAD Shoplot @ Semabok Perdana
PERFECT BUSINESS LOCATION! FACE MAIN ROAD Shoplot @ Semabok Perdana
RM 3,800 /month
Listed on August 14, 2026
STRATEGIC GROUND FLOOR Shoplot With PRIVATE PARKING @ Kota Laksamana
STRATEGIC GROUND FLOOR Shoplot With PRIVATE PARKING @ Kota Laksamana
RM 3,100 /month
Listed on June 23, 2026
WELL-MAINTAINED Double Storey Terrace @ Paya Rumput Indah
WELL-MAINTAINED Double Storey Terrace @ Paya Rumput Indah
RM 1,200 /month
Listed on June 24, 2026
SPACIOUS Refurbished Double Storey Terrace @ Batu Berendam
SPACIOUS Refurbished Double Storey Terrace @ Batu Berendam
RM 1,200 /month
Listed on September 9, 2026
LARGE FREEHOLD Mature Palm Oil Land @ Alor Gajah Melaka
LARGE FREEHOLD Mature Palm Oil Land @ Alor Gajah Melaka
RM 1,880,000
Listed on June 23, 2026
RM1,500 ONLY! SPACIOUS 5BR 2-Storey Terrace Opposite Lotus Cheng
RM1,500 ONLY! SPACIOUS 5BR 2-Storey Terrace Opposite Lotus Cheng
RM 1,500 /month
Listed on September 7, 2026
PREMIUM FULLY FURNISHED 3BR Condo @ Parkland Residence
PREMIUM FULLY FURNISHED 3BR Condo @ Parkland Residence
RM 2,500 /month
Listed on August 21, 2026
BELOW VALUATION! CORNER UNIT 3+1R @ Admiral Residence Melaka
BELOW VALUATION! CORNER UNIT 3+1R @ Admiral Residence Melaka
RM 398,000
Listed on June 22, 2026
Fully Renovated Double Storey Terrace For Sale At Taman Tehel Impian
Fully Renovated Double Storey Terrace For Sale At Taman Tehel Impian
RM 620,000
Listed on June 19, 2026
High Traffic Main Road Corner Shoplot 3,078 SqFt @ Melaka Raya
High Traffic Main Road Corner Shoplot 3,078 SqFt @ Melaka Raya
RM 10,000 /month
Listed on September 1, 2026
RM278K FREEHOLD! Huge Land Facing Padang @ Taman Rembia Utama
RM278K FREEHOLD! Huge Land Facing Padang @ Taman Rembia Utama
RM 278,000
Listed on September 8, 2026
BELOW BANK VALUE RM430K! FREEHOLD 4BR @ Taman Asean
BELOW BANK VALUE RM430K! FREEHOLD 4BR @ Taman Asean
RM 430,000
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
RM 7,500 /month
Listed on September 10, 2026
AFFORDABLE RM900 FULLY FURNISHED @ Kenanga Park View Court
AFFORDABLE RM900 FULLY FURNISHED @ Kenanga Park View Court
RM 900 /month
Listed on September 10, 2026
BELOW BANK VALUE RM439K! SPACIOUS 4BR FREEHOLD @ Bertam Putra
BELOW BANK VALUE RM439K! SPACIOUS 4BR FREEHOLD @ Bertam Putra
RM 439,000
Listed on September 9, 2026
HOT VALUE! Double Storey Bungalow @ BJB Heights Jasin
HOT VALUE! Double Storey Bungalow @ BJB Heights Jasin
RM 580,000
Listed on August 28, 2026
VALUE BUY! FREEHOLD Double Storey Terrace @ Cheng Baru
VALUE BUY! FREEHOLD Double Storey Terrace @ Cheng Baru
RM 448,000
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
RM 2,500 /month
Listed on July 30, 2026
END LOT 2 Storey Terrace EXTRA SIDE LAND @ Malim Jaya
END LOT 2 Storey Terrace EXTRA SIDE LAND @ Malim Jaya
RM 208,000
Listed on August 5, 2026
FULLY FURNISHED Admiral Residences CITY VIEW Unit @ Kota Melaka
FULLY FURNISHED Admiral Residences CITY VIEW Unit @ Kota Melaka
RM 400,000
Listed on August 4, 2026
HOT DEAL! WELL MAINTAIN Tiara Condo 3BR @ Ayer Keroh
HOT DEAL! WELL MAINTAIN Tiara Condo 3BR @ Ayer Keroh
RM 188,000
Listed on August 19, 2026
STRATEGIC Single Storey Terrace For Sale @ Pulau Gadong Perdana
STRATEGIC Single Storey Terrace For Sale @ Pulau Gadong Perdana
RM 368,000
Listed on July 21, 2026
FULLY RENOVATED FREEHOLD Terrace Only RM310K @ Bertam Ulu Cheng
FULLY RENOVATED FREEHOLD Terrace Only RM310K @ Bertam Ulu Cheng
RM 310,000
Listed on July 29, 2026
RM305K! KITCHEN EXTENDED 1 Storey Terrace For Sale @ Tanjong Minyak Setia
RM305K! KITCHEN EXTENDED 1 Storey Terrace For Sale @ Tanjong Minyak Setia
RM 305,000
Listed on July 30, 2026
Corner 3-Storey Shoplot Facing Main Road @ Taman Teknologi Cheng
Corner 3-Storey Shoplot Facing Main Road @ Taman Teknologi Cheng
RM 1,600,000
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
RM 480,000
Listed on August 4, 2026
STRATEGIC 2 STOREY MAIN ROAD Shoplot @ Ong Kim Wee Melaka
STRATEGIC 2 STOREY MAIN ROAD Shoplot @ Ong Kim Wee Melaka
RM 750,000
Listed on July 13, 2026
BELOW BANK VALUE RM100K! Terrace House @ Melaka Baru
BELOW BANK VALUE RM100K! Terrace House @ Melaka Baru
RM 198,000
Listed on July 28, 2026
PRIME 1.262 Acres FREEHOLD Land Near Melaka Town @ Bukit Serindit
PRIME 1.262 Acres FREEHOLD Land Near Melaka Town @ Bukit Serindit
RM 1,750,000
Listed on July 21, 2026
Brand New 3 Storey Shoplot Facing Main Road @ Skywiz Ayer Keroh
Brand New 3 Storey Shoplot Facing Main Road @ Skywiz Ayer Keroh
RM 5,000 /month
Listed on July 24, 2026
MOVE-IN READY FULLY FURNISHED Terrace @ Muzaffar Heights Melaka
MOVE-IN READY FULLY FURNISHED Terrace @ Muzaffar Heights Melaka
RM 2,500 /month
Listed on June 23, 2026
BRAND NEW NEVER OCCUPIED Terrace @ Bandar Botani Parkland Jasin
BRAND NEW NEVER OCCUPIED Terrace @ Bandar Botani Parkland Jasin
RM 850 /month
Listed on July 21, 2026
REFURBISHED Apartment with Lift @ Bandar Hilir Melaka
REFURBISHED Apartment with Lift @ Bandar Hilir Melaka
RM 850 /month
Listed on June 10, 2026
RM360K! RENOVATED FREEHOLD 3BR Terrace @ Taman Kampung Lapan
RM360K! RENOVATED FREEHOLD 3BR Terrace @ Taman Kampung Lapan
RM 360,000
Listed on August 21, 2026
HIGH VISIBILITY Jonker Walk 1st & 2nd Floor Shop For Rent
HIGH VISIBILITY Jonker Walk 1st & 2nd Floor Shop For Rent
RM 3,500 /month
Listed on August 3, 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
RM 115,000
Listed on August 13, 2026
SPACIOUS 6BR Bungalow For Sale @ Vista Kirana Ayer Keroh
SPACIOUS 6BR Bungalow For Sale @ Vista Kirana Ayer Keroh
RM 998,000
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
RM 175,000
Listed on August 17, 2026
FREEHOLD 2R2B2T Double Storey Shophouse For Sale @ Taman Asean Melaka
FREEHOLD 2R2B2T Double Storey Shophouse For Sale @ Taman Asean Melaka
RM 460,000
Listed on July 14, 2026
GOOD CONDITION CORNER LOT Terrace @ Muzaffar Heights, Ayer Keroh
GOOD CONDITION CORNER LOT Terrace @ Muzaffar Heights, Ayer Keroh
RM 438,000
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
RM 520,000
Listed on July 6, 2026
EXTENDED FREEHOLD Terrace House with Mezzanine Floor @ Bukit Katil
EXTENDED FREEHOLD Terrace House with Mezzanine Floor @ Bukit Katil
RM 378,000
Listed on July 28, 2026
PRIME ROADSIDE Commercial Land with Shelter @ Lebuh AMJ Melaka
PRIME ROADSIDE Commercial Land with Shelter @ Lebuh AMJ Melaka
RM 15,000 /month
Listed on June 18, 2026
SPACIOUS CORNER LOT Terrace with HUGE LAND @ Taman Merdeka
SPACIOUS CORNER LOT Terrace with HUGE LAND @ Taman Merdeka
RM 628,000
Listed on August 5, 2026
FULLY FURNISHED Bungalow For Rent @ Ujong Pasir Melaka Town
Jalan Masjid Ujong Pasir, Kampung Ujong Pasir, 75050 Melaka.
RM 3,000 /month
Listed on June 9, 2026
HOT Deal! FULLY FURNISHED 2R1B @ The Wave Residence Kota Syahbandar
HOT Deal! FULLY FURNISHED 2R1B @ The Wave Residence Kota Syahbandar
RM 250,000
Listed on August 11, 2026
VALUE BUY! FACING PADANG Double Storey Terrace @ Bukit Katil
VALUE BUY! FACING PADANG Double Storey Terrace @ Bukit Katil
RM 350,000
Listed on July 17, 2026
BELOW BANK VALUE! FULLY FURNISHED Condominium @ Novo8 Residence Bachang
BELOW BANK VALUE! FULLY FURNISHED Condominium @ Novo8 Residence Bachang
RM 368,000
Listed on August 27, 2026
PRIME HOT LOCATION 3 Storey End Lot Shop @ Kota Laksamana
Taman Kota Laksamana Jaya, 75200 Melaka
RM 1,500,000
Listed on May 28, 2026
Melaka City! READY MOVE IN CONDITION Apartment @ Melaka Raya
Melaka City! READY MOVE IN CONDITION Apartment @ Melaka Raya
RM 900 /month
Listed on August 27, 2026
HOT DEAL BELOW RM160K! Spacious Condo @ Garden City Melaka Raya
HOT DEAL BELOW RM160K! Spacious Condo @ Garden City Melaka Raya
RM 150,000
Listed on August 12, 2026
FREEHOLD BELOW MARKET Semi-D @ Taman Sentosa Bukit Beruang
FREEHOLD BELOW MARKET Semi-D @ Taman Sentosa Bukit Beruang
RM 698,000
Listed on June 22, 2026
WELL MAINTAINED Double Storey Terrace @ Taman Merdeka Jaya
WELL MAINTAINED Double Storey Terrace @ Taman Merdeka Jaya
RM 350,000
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
RM 388,000
Listed on July 30, 2026
RARE 3,184sqft FREEHOLD Superlink @ Laman Klebang
RARE 3,184sqft FREEHOLD Superlink @ Laman Klebang
RM 768,000
Listed on September 8, 2026
STRATEGIC BRAND NEW CORNER Ground Floor Shop @ Kota Laksamana
STRATEGIC BRAND NEW CORNER Ground Floor Shop @ Kota Laksamana
RM 3,300 /month
Listed on July 14, 2026
RARE Premium Bungalow With SWIMMING POOL @ Ozana Villa Ayer Keroh
RARE Premium Bungalow With SWIMMING POOL @ Ozana Villa Ayer Keroh
RM 1,650,000
Listed on August 13, 2026
PREMIUM FULLY RENOVATED FREEHOLD Semi-D @ Bukit Katil Melaka
PREMIUM FULLY RENOVATED FREEHOLD Semi-D @ Bukit Katil Melaka
RM 850,000
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
RM 1,650 /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
RM 5,000 /month
Listed on June 24, 2026
FULLY FURNISHED Sea View 3BR High Floor Condo @ Silverscape Residence
FULLY FURNISHED Sea View 3BR High Floor Condo @ Silverscape Residence
RM 1,800 /month
Listed on September 9, 2026
HIGH VISIBILITY Facing AMJ MAIN ROAD Shoplot @ Semabok Perdana
HIGH VISIBILITY Facing AMJ MAIN ROAD Shoplot @ Semabok Perdana
RM 898,000
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
RM 888,000
Listed on August 7, 2026
HOT DEAL! 4Room Single Terrace House @ Taman Krubong Jaya
HOT DEAL! 4Room Single Terrace House @ Taman Krubong Jaya
RM 290,000
Listed on July 17, 2026
RENOVATED! FULLY FURNISHED POOL VIEW Condo @ Atlantis Residence
RENOVATED! FULLY FURNISHED POOL VIEW Condo @ Atlantis Residence
RM 1,300 /month
Listed on August 12, 2026
MOVE-IN READY! FULLY FURNISHED For Rent @ Atlantis Residence Kota Syahbandar
MOVE-IN READY! FULLY FURNISHED For Rent @ Atlantis Residence Kota Syahbandar
RM 1,900 /month
Listed on August 10, 2026
FREEHOLD LUXURY FULLY FURNISHED Corner Bungalow Near Tampin Square
FREEHOLD LUXURY FULLY FURNISHED Corner Bungalow Near Tampin Square
RM 1,050,000
Listed on August 5, 2026
READY MOVE IN! Apartment @ Shang Heights Residence Bukit Piatu
READY MOVE IN! Apartment @ Shang Heights Residence Bukit Piatu
RM 1,500 /month
Listed on July 14, 2026
FREEHOLD GATED & GUARDED Terrace For Sale @ Bertam Heights Melaka
FREEHOLD GATED & GUARDED Terrace For Sale @ Bertam Heights Melaka
RM 565,000
Listed on June 26, 2026
HIGH FLOOR FULLY FURNISHED Condo @ The Heights Residence
HIGH FLOOR FULLY FURNISHED Condo @ The Heights Residence
RM 1,400 /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
RM 450,000
Listed on June 23, 2026
FULLY FURNISHED Studio Sea & City View @ Bali Residence
FULLY FURNISHED Studio Sea & City View @ Bali Residence
RM 1,500 /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
RM 7,500 /month
Listed on September 1, 2026
Move-In Ready 3BR FULLY FURNISHED @ PR1MA Klebang 2
Move-In Ready 3BR FULLY FURNISHED @ PR1MA Klebang 2
RM 1,600 /month
Listed on August 27, 2026
PRIME CORNER Shoplot Near Starbucks For Sale @ Malim Jaya
PRIME CORNER Shoplot Near Starbucks For Sale @ Malim Jaya
RM 730,000
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
RM 310,000
Listed on July 20, 2026
PRIME Retail Lot Near MAIN ENTRANCE For Rent @ Dataran Pahlawan Melaka
PRIME Retail Lot Near MAIN ENTRANCE For Rent @ Dataran Pahlawan Melaka
RM 8,800 /month
Listed on July 16, 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
RM 1,300 /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
RM 690,000
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
RM 8,000 /month
Listed on July 27, 2026
RM380K！SPACIOUS FULLY EXTENDED Terrace House @ Bukit Katil
RM380K！SPACIOUS FULLY EXTENDED Terrace House @ Bukit Katil
RM 380,000
Listed on September 1, 2026
SPACIOUS Land FULLY FURNISHED Bungalow @ Taman Ozana Villas
SPACIOUS Land FULLY FURNISHED Bungalow @ Taman Ozana Villas
RM 1,180,000
Listed on September 3, 2026
RARE Residential Land BUILD YOUR DREAM HOME @ Tiara Golf Bukit Katil
RARE Residential Land BUILD YOUR DREAM HOME @ Tiara Golf Bukit Katil
RM 508,432
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
RM 1,180,000
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
RM 2,000 /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
RM 548,000
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
RM 2,000 /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
RM 498,000
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
RM 1,700,000
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
RM 2,200,000
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
RM 2,300 /month
Listed on July 6, 2026
PRIME FREEHOLD Bungalow in MELAKA TOWN Area @ Ujong Pasir
PRIME FREEHOLD Bungalow in MELAKA TOWN Area @ Ujong Pasir
RM 850,000
Listed on June 10, 2026
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Farlim, Penang
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Bukit Mertajam, Penang, Malaysia
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Taman Seri Bukit Indah, 14000 Bukit Mertajam, Penang
Starting from RM 528,150
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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
11 Sep, 2026
What Are Young People Really Worried About? Inside the Mindset of Malaysia’s Future Workforce
Malaysia's unemployment rate is at a decade low. Young Malaysians are still struggling to find work they want. Both of those things are true at the same time, and that contradiction is the story of the future workforce. For young people entering work today, the question is no longer just "can I get a job?" It is "how do I stay valuable, build financial security and keep my options open while AI rewrites the rules?" Through IQI's youth engagement initiatives and ongoing conversations with younger Malaysians, one pattern keeps surfacing. Young people are not afraid of change. They are frustrated by uncertainty. And they are looking for organisations willing to help them turn that uncertainty into a plan. TL;DR Malaysia's overall unemployment is around 3%, but youth unemployment (15 to 24) is 10.2%, with 291,600 young people out of work as of May 2026 (DOSM). The problem is mismatch, not a lack of jobs: PERKESO recorded 3.47 million manufacturing vacancies against just 326,407 applicants. Gen Z workers report the lowest workplace happiness (65%) and the highest burnout (45%) of any generation in Malaysia (Jobstreet by SEEK). Self-employed Malaysians in their early 20s have more than doubled since 2013, from 128,000 to 286,000. Globally, 6.1% of youth jobs sit in roles highly exposed to AI (ILO 2026). IQI's Daniel Ho: "Don't compete with AI. Build with AI." What young people want: relevance, financial security, flexibility and mentorship. What organisations can offer: exposure, structure and a place to practise. A changing world is creating new career questions Young people today are entering a workplace that looks nothing like the one their parents joined. Speaking at IQI Youth Connect, Daniel Ho, Co-Founder and Group Managing Director of IQI, put the urgency plainly. The tsunami is coming. If you don't take action today, that tsunami will wipe away those that are staying idle, those that are staying put, those that do not take action and act.Daniel Ho, Co-Founder and Group Managing Director, IQI Recognising change early is now a career skill in itself. The rest of this article is about what that change looks like in Malaysia, what young people say they are worried about, and what organisations can do about it. Why is youth unemployment high when Malaysia has a labour shortage? Start with the numbers, because they explain the mood. The Department of Statistics Malaysia (DOSM) reported an overall unemployment rate of 2.9% in the first quarter of 2026, the lowest in about a decade. In the same quarter, youth unemployment for those aged 15 to 24 stood at 10.1%. By May 2026 the youth rate had edged to 10.2%, or 291,600 unemployed young people. Widen the bracket to ages 15 to 30 and the figure reaches 396,000. Meanwhile employers say they cannot fill roles. In June 2026, more than 1,000 job seekers queued in Melaka for around 500 vacancies at a semiconductor plant offering a reported RM3,500 starting salary. That same month, PERKESO's MYFutureJobs data showed 3.47 million manufacturing vacancies against 326,407 applicants. Malaysia does not have a shortage of jobs. It has a mismatch between the jobs on offer and the jobs young people are prepared for and willing to take. Young applicants cluster in professional, ICT, finance and business roles. The open vacancies are heavily in manufacturing, construction, hospitality and food services. And vacancies paying RM2,500 to RM5,000 draw far stronger interest than those below that band. Indicator (Malaysia, 2026)FigureSourceOverall unemployment rate (Q1 2026)2.9%DOSMYouth unemployment, ages 15 to 24 (May 2026)10.2% (291,600 people)DOSMYouth unemployment, ages 15 to 30 (May 2026)6.3% (396,000 people)DOSMManufacturing vacancies vs applicants3.47 million vs 326,407PERKESO (MYFutureJobs)Self-employed workers in their early 20s128,000 (2013) to 286,000 (2025)DOSM MyLabourHubGen Z workplace happiness / burnout65% happy / 45% burnt outJobstreet by SEEKGlobal youth unemployment (2025)12.4% (67 million people)ILO Economists quoted in the national press call this a "skills and experience paradox": qualifications on paper that do not line up with what modern industries actually need. That gap is the first thing young people feel, long before they can name it. What are young Malaysians most worried about? Ask a room of young Malaysians what keeps them up at night and you will hear four themes, in roughly this order. 1. Staying relevant in an AI-driven world Artificial intelligence has become the single biggest lens through which young people view their careers. The worry is not abstract. The International Labour Organisation's 2026 youth employment report found that 6.1% of youth jobs globally sit in occupations highly exposed to AI, and many of those overlap with the clerical, administrative and sales roles that used to be the first rung of the career ladder. Across marketing, design, technology, finance and business, young people are asking the same question: which parts of my future job will still need a human? Here is the shift we are seeing. The conversation is moving from "will AI replace me?" to "how do I become the person who uses AI well?" Daniel Ho's advice to the Youth Connect audience was five words long: Don't compete with AI. Build with AI AI can improve productivity, support decisions and automate process. Human judgement, creativity, relationships and strategic thinking are still where value gets created. The future workforce will not be defined by people who compete against technology, but by people who know how to direct it. Worried about staying relevant? Build a career where the human skills are the job. Real estate is one of the few careers in Malaysia with no salary ceiling and no degree requirement. IQI gives new negotiators full training, mentorship through IQI Youth, in-house tech, and a 5-day commission payout, backed by a network of 30,000+ professionals across 20+ countries. Not sure if it is for you? Start with a conversation. Explore a career with IQI > 2. Financial security in an expensive country Career worry and money worry are the same worry from two angles. With the minimum wage at RM1,700 and entry-level roles under RM2,500 struggling to attract applicants, young people have done the maths. A single salary is not enough to feel secure, so they are thinking about how to: Build savings and financial independence early Create a second income stream Develop skills that generate opportunities on their own Reduce dependence on one employer The definition of success is changing with it. For many, success is no longer a stable job for 30 years. It is flexibility, growth and control over their own future. Wondering how far an income built on performance can go? See how much property agents really earn in Malaysia. 3. Careers that no longer follow a straight line The traditional path was simple: education, employment, promotion. Today's data tells a different story. DOSM figures show the number of self-employed Malaysians in their early 20s has more than doubled since 2013, from 128,000 to 286,000. The 20 to 24 age group alone grew 123% over that period, and two in three own-account workers are now urban. Freelancing, content creation, digital businesses and e-hailing are no longer side hustles. For a growing share of young people they are the main plan. The old promise has quietly expired, and young people know it. As Daniel Ho told the Youth Connect audience: The old game, study hard, get a good degree, then you come out your life is guaranteed. Is it guaranteed now? No, unfortunately.Daniel Ho, Co-Founder and Group Managing Director, IQI Qualifications still matter. They are just no longer sufficient on their own. The future workforce will need qualifications plus adaptability, continuous learning and the ability to create value beyond a job description. That brings its own anxiety. Economists warn that prolonged reliance on gig work without EPF, PERKESO coverage or a career ladder can widen income inequality over time. Young people know this too. They are not rejecting stable work. They want stable work that also lets them grow. FactorTraditional career pathEmerging career pathDefinition of successJob security, tenure, titleGrowth, flexibility, ownershipIncome modelOne salary, annual incrementMultiple streams, performance-linkedSkillsQualification-led, fixedContinuous learning, AI-augmentedLoyaltyUnconditional, long tenureEarned, mutual, conditional on growthBiggest riskRedundancy, stagnationIncome volatility, no safety net 4. Burnout before the career has even started This one surprises employers most. Jobstreet by SEEK's Workplace Happiness Index found Gen Z workers in Malaysia (ages 18 to 29) recorded the lowest workplace happiness at 65%, against 71% for Millennials and 72% for Gen X. They also reported the highest burnout, with 45% saying they feel exhausted at work. Only 69% of Gen Z respondents felt able to be their authentic selves at work, compared to 75% of older colleagues. The Malaysian Employers Federation notes that many young employees now change jobs within 18 months. Critics call it disloyalty. Young people themselves describe it differently: they are still exploring, and they will stay where they can see a path to grow. Loyalty has not disappeared. It has become conditional. Which human skills will matter more as AI advances? If AI takes the repetitive work, what is left is the work that needs a person in the room. Five skills keep coming up. Emotional intelligence Reading people, building trust and responding well to pressure. In sales, service, healthcare and leadership, this remains the job. Communication Explaining an idea clearly, connecting with someone across a table, and building a relationship that outlasts a transaction. AI can draft the message. It cannot earn the trust. Creativity AI generates options. Human experience, taste and perspective decide which option matters and why. Originality still comes from lived experience, not from a prompt. Leadership Inspiring people, guiding teams and helping others grow requires empathy and judgement earned in the real world. Authenticity Personal stories and individual perspectives are the one thing that cannot be copied at scale. In a world of generated content, being recognisably yourself becomes an asset. Technology extends human capability. It does not replace the human at the centre of a career built on relationships. Why do so many capable young people freeze instead of act? Ambition is rarely the problem. Uncertainty is. Many young people hesitate because they are waiting for the perfect opportunity, the perfect plan or the perfect timing. None of those arrive on schedule. Progress comes from small experiments, not perfect plans. The steps that create momentum are modest: Learn one AI tool properly and use it every day for a month Start building a personal brand, even with an audience of ten Launch a small project with a real deadline Spend a day inside an industry you have never considered Ask someone ten years ahead of you for 30 minutes of their time The ability to keep learning and adapting may end up being the single biggest advantage in the future workplace. It is also the one advantage no one can be locked out of. Is AI creating opportunities, not just taking them? Technology is not only changing existing jobs. It is creating new ones, and lowering the cost of starting something. A decade ago, launching a business meant capital, staff and an office. Today a young Malaysian with a laptop can research a market, build a brand, produce content, automate admin and reach customers in an afternoon, with AI doing much of the heavy lifting. The future opens up a lot of opportunity for young Malaysians that look into entrepreneurship that is powered by AI. Daniel Ho, Co-Founder and Group Managing Director, IQI AI-powered entrepreneurship is where personal brand, skills and technology meet. It is also a direct answer to the financial-security worry: a second income stream that scales with effort, not with headcount. The self-employment data above shows young Malaysians are already moving this way. The question is whether they do it with a safety net, real skills and a mentor, or on their own. How can organisations support the next generation? Preparing the future workforce is not only the responsibility of young people. Companies, leaders and experienced professionals set the conditions. The data points to four things that move the needle. Learning opportunities Real exposure to new tools, industries and skills, not a slide deck once a year. Malaysia's skills mismatch is a training gap as much as an education gap. Mentorship Young people consistently rank mentorship and clear career paths alongside salary. A mentor turns an abstract worry about the future into a concrete next step. Growth environments Room to experiment, contribute and occasionally fail. Given the burnout data, this also means realistic workloads and managers who notice. Future-ready structures Career ladders that reward learning and digital adoption, and income models that scale with performance rather than tenure alone. Young people will stay where they can see themselves growing. Build that, and the loyalty question answers itself. Case study: how IQI is putting this into practice At IQI, we believe empowering people means creating the conditions for them to learn, grow and discover what they are capable of. In 2026 that belief took a more structured form. IQI Youth: a platform, not a programme In May 2026, at the Juwai IQI International Convention in Kuala Lumpur, the group formally launched IQI Youth, a platform for developing the next generation of real estate professionals around four pillars: growth, learning, influence and leadership development. The logic is simple. Real estate is one of the few careers in Malaysia where income scales with performance rather than with years served, where the entry barrier is training and licensing rather than a specific degree, and where the daily work is built on exactly the human skills AI cannot replace: trust, communication and judgement. That makes it a natural laboratory for the future workforce, and it puts a responsibility on the industry to give young people structure, mentorship and tools rather than just a tag and a target. IQI Youth Connect: closing the gap between knowing and doing On 22 August 2026, IQI Youth Connect brought around 100 young Malaysians aged 18 to 35 to IQI's headquarters in Kuala Lumpur for a full day on three topics they had told us mattered most: AI, content marketing and entrepreneurship. The format reflected what young people say they want from employers. Live demonstrations rather than lectures. Practical frameworks they could use the following week. Direct access to founders, marketers and creators who had built something themselves. And a networking layer, because the second most common worry after "am I relevant?" is "who do I even ask?" Participation was open to students, fresh graduates, working adults, freelancers and career changers, with no connection to IQI required. The point was not to recruit a room. It was to equip one. What we learned in that room is what shaped this article: young Malaysians are not waiting to be rescued from the future. They are asking who will help them prepare for it. Read the full IQI Youth Connect 2026 highlights, or explore the IQI Youth platform. The future belongs to those who prepare for it The world of work is changing faster than any single generation has experienced before. Young Malaysians are not asking for it to slow down. They are asking for exposure, structure and someone willing to show them the way. Young people are not waiting for the future. They are preparing for it. The organisations that prepare alongside them will be the ones that still have a workforce in ten years. Frequently asked questions What are young people most worried about today? Young Malaysians are mainly concerned about staying relevant as AI changes work, building financial security on a single salary, career paths that no longer follow a straight line, and early burnout. DOSM data shows youth unemployment at 10.2% even as overall unemployment sits near 3%. Why is youth unemployment in Malaysia high when employers cannot fill jobs? Because of a mismatch, not a shortage. PERKESO recorded 3.47 million manufacturing vacancies against 326,407 applicants. Young job seekers cluster in professional, ICT and finance roles, while open vacancies are concentrated in manufacturing, construction and hospitality, often at pay below the RM2,500 to RM5,000 band that attracts applicants. Will AI replace future workers? AI will automate certain tasks, and the ILO estimates 6.1% of youth jobs globally are highly exposed to it. Human skills such as creativity, communication, judgement and relationship building remain valuable, and workers who learn to use AI well are likely to be more in demand, not less. What skills will be important for future careers? A combination of AI and digital fluency, adaptability, communication, creativity, emotional intelligence and leadership. The ability to keep learning is the skill that underpins all of them. How can companies support young talent? Through mentorship, real learning opportunities, exposure to technology, realistic workloads and career paths that reward growth. Research consistently shows young Malaysians stay with employers where they can see themselves developing. What is IQI Youth? IQI Youth is a platform launched by Juwai IQI in 2026 to develop the next generation of real estate professionals around four pillars: growth, learning, influence and leadership. IQI Youth Connect is its flagship learning and networking event, focused on AI, marketing and entrepreneurship for Malaysians aged 18 to 35. Thinking about your next step, or about how your organisation can support young talent? Leave your details and the IQI team will reach out. [custom_blog_recruit_form] Sources: Department of Statistics Malaysia, Labour Force Statistics, Q1 and May 2026, as reported by The Star and Business Today PERKESO MYFutureJobs vacancy data, via The Star, 22 June 2026 DOSM MyLabourHub, self-employed youth data, via The Star, 29 July 2026 Jobstreet by SEEK Workplace Happiness Index, via The Sun, 15 April 2026 Malaysian Employers Federation, via The Star, 17 July 2026 ILO, Global Employment Trends for Youth 2026, via SAYS, 12 August 2026 IQI Youth platform launch, via EdgeProp, May 2026
10 Sep, 2026
Budget 2027 stamp duty exemption first home buyers
Malaysia tables Budget 2027 on 9 October 2026. For anyone buying their first home next year, one line in that speech matters more than the rest. The first-time homebuyer stamp duty exemption expires on 31 December 2027. Juwai IQI wants it extended, and the reason is not sentimental. Letting it lapse quietly takes up to RM11,250 from buyers who thought they had until the end of next year. What the Exemption Is Worth It removes stamp duty on two documents, not one: the instrument of transfer, and the loan agreement. On a RM500,000 home with a 90% loan: Cost itemWithout exemptionWith exemptionTransfer instrument (MOT)RM9,000RM0Loan agreement (0.5% of RM450,000)RM2,250RM0Total at stampingRM11,250RM0 Note: MOT is 1% on the first RM100,000 plus 2% on the next RM400,000, per the LHDN scale as at September 2026. That RM11,250 is cash, not financing. Stamp duty cannot be rolled into the loan, so removing it changes who can actually complete a purchase. The stamp duty extension is a vital measure because it helps more than three out of four buyers. Homes worth RM500,000 or less, which are covered by the exemption, make up about 76% of all residential purchases. Kashif Ansari, Co-Founder and Group CEO, Juwai IQI NAPIC's 2025 data backs that up. Homes at RM300,000 and below were 52.3% of residential transactions, and the RM300,001 to RM500,000 band added 24.9%. Together, 77.2% of the market sits inside the exemption. The Trap: Your Signing Date, Not Your Booking Date Here is the part most buyers miss. Eligibility is triggered by the date the sale and purchase agreement is executed, not the date you paid the booking fee. For off-plan purchases, those dates can be months apart. Imagine a buyer choosing an off-plan home in the second half of 2027. They might find out that they don't qualify for the exemption because they didn't end up signing their agreement until 2028, which is outside the window Kashif Ansari, Co-Founder and Group CEO, Juwai IQI There is a supply effect too. If nobody knows what happens after 2027, some affordable projects get shelved in 2026 rather than launched into an uncertain incentive. A Cheap Policy, and Two Other Asks Malaysia will table Budget 2027 on 9 October 2026, and for first-time homebuyers planning to purchase next year, one decision could make a real difference. The current stamp duty exemption for first-time buyers is set to run until 31 December 2027. Juwai IQI is urging the government to extend the measure, as allowing it to expire could mean eligible buyers lose savings of up to RM11,250 when purchasing their first home. This is not just about incentives. It is about reducing the upfront cost barrier for Malaysians entering the property market. What This Means If You Plan to Buy in 2027 Buying a completed subsale home? You are in reasonable shape. The gap between offer and signing is usually short. Just do not leave it to December 2027. Buying off-plan? Treat the signing date as your real deadline. Ask the developer in writing when the SPA will be executed. Still saving? The exemption stacks with other supports. See our overview of first home schemes in Malaysia, and the real all-in cost of buying a house for what stays payable even when stamp duty is waived. Full eligibility rules are in our guide to the stamp duty waiver extended to 2027. Budget speeches are not the place to gamble on timing. If your purchase can reasonably be completed inside the current window, complete it inside the current window. This article is based on reporting by Kopi & Property on September 2026, with insights from Juwai IQI Group CEO Kashif Ansari on Budget 2027 proposals, first-time homebuyer support and measures to improve housing affordability. 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
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