Home Loans for Singaporeans and Foreigners Buying in Johor Bahru | 新加坡人和外国人在新山买房怎么贷款
· Malaysia Home Finder
Singaporeans and other foreigners can get a loan for a Johor Bahru home. There are two routes: a Singapore-dollar loan from a bank in Singapore, or a ringgit loan from a bank in Malaysia. Each bank sets its own limits, and they change. Below we only quote figures that a bank shows on its own page, with the link.新加坡人和其他外国人都可以为新山房产申请贷款。有两条路：向新加坡的银行借新元，或向马来西亚的银行借令吉。每家银行有自己的条件，而且会变。以下只引用银行官网上列明的数字，并附上链接。
Two routes at a glance两条路一览
| Singapore bank, SGD loan新加坡银行，新元贷款 | Malaysian bank, ringgit loan马来西亚银行，令吉贷款 | |
|---|---|---|
| Who lends放贷方 | Banks in Singapore that offer overseas property loans提供海外房产贷款的新加坡银行 | Licensed banks in Malaysia马来西亚持牌银行 |
| Currency货币 | SGD: matches a Singapore salary新元：与新加坡薪水同币种 | MYR: matches the property and rent令吉：与房产和租金同币种 |
| Published limits官网列明的条件 | OCBC: up to 60%. UOB: up to 70% (see below)华侨银行：最高60%。大华银行：最高70%（见下文） | Not published for foreigners on the pages we checked. Ask each bank我们查看的页面未列明外国人的成数，请逐家询问 |
| Main risk主要风险 | Your debt is in SGD; the home’s value and rent are in MYR债务是新元，房价和租金是令吉 | Your income is in SGD; instalments are in MYR收入是新元，供款是令吉 |
Buying as a foreigner?外国买家？
Tell us your budget. We send the projects and units that meet the foreigner minimum.告诉我们预算，我们发给您符合外国人门槛的项目与单位。
Route 1: a Singapore-dollar loan路线一：新元贷款
OCBC lists a Malaysia overseas property loan in SGD only. Its page shows up to 60% loan-to-value and a minimum loan of SGD200,000. The property must be in Kuala Lumpur or Johor Bahru. Singaporeans, Singapore PRs, and foreigners working and living in Singapore can apply, from age 21.华侨银行（OCBC）的马来西亚海外房产贷款只提供新元。官网列明贷款成数最高60%，最低贷款额SGD200,000，房产须位于吉隆坡或新山。新加坡公民、新加坡永久居民，以及在新加坡工作和居住的外国人均可申请，年满21岁。
UOB lists an international property loan in SGD that covers Johor Bahru, Kuala Lumpur and Penang. Its page shows up to 70% of the purchase price or valuation, whichever is lower, and a tenure of up to 35 years. Your age plus the tenure must not pass 75. Applicants must be 21 to 65 and need a UOB Singapore account.大华银行（UOB）的国际房产贷款以新元计，涵盖新山、吉隆坡和槟城。官网列明最高可贷买价或估价（取较低者）的70%，最长35年；年龄加年限不得超过75岁。申请人须为21至65岁，并须有大华新加坡账户。
Other Singapore banks may lend for Malaysian homes too. We list only the pages we could read and check.其他新加坡银行也可能提供马来西亚房产贷款。我们只列出能读到并核对过的页面。
Route 2: a ringgit loan in Malaysia路线二：马来西亚令吉贷款
Bank Negara Malaysia (BNM) lets a non-resident borrow any amount in ringgit from a resident lender, including a licensed onshore bank, to finance “real sector activities” in Malaysia. See BNM rules. Bank guidance on these rules lists the purchase of a residential or commercial property as a real sector activity. See a bank FAQ on the rules.马来西亚国家银行（BNM）允许非居民向居民放贷方（包括在岸持牌银行）借任何数额的令吉，用于在马来西亚的”实体经济活动”。查看国行规定。银行对这些规定的说明中，购买住宅或商业房产属于实体经济活动。查看银行相关问答。
So the rules allow it, but each bank decides how much to lend a foreigner, and on what terms. Margins for foreigners were not shown on the Malaysian bank pages we checked. Ask the bank for its current margin in writing.也就是说，规定允许，但借多少、什么条件，由每家银行决定。我们查看的马来西亚银行页面没有列明外国人的贷款成数。请向银行索取书面的最新成数。
How banks decide how much to lend银行如何决定借多少
- Price or valuation: UOB’s page lends on the lower of the two. If the valuation comes in low, you pay the gap in cash.按价格或估价：大华银行页面写明按两者较低者计算。估价偏低时，差额要用现金补。
- Ability to pay: BNM requires Malaysian banks to check a debt service ratio, using income after deductions for tax and EPF, and counting all your debts.还款能力：国行要求马来西亚银行审查偿债比率（DSR），以扣除税款和公积金（EPF）后的收入计算，并计入您所有的债务。
- Foreign income: banks may treat income earned outside Malaysia differently. Ask how your bank counts it.海外收入：银行对马来西亚以外的收入可能有不同算法，请问清楚。
- Age and tenure: limits like UOB’s age-75 cap shorten the loan for older buyers.年龄与年限：像大华银行75岁上限这类规定，会让年长买家的贷款年限变短。
Documents banks usually ask for银行通常要求的文件
- Passport and proof of address.护照和地址证明。
- Proof of income, such as payslips, tax statements and bank statements.收入证明，如薪资单、报税单和银行月结单。
- An employment letter, or business documents if you are self-employed.雇佣证明信；自雇人士提供公司文件。
- The SPA, or the unit details from the developer.买卖合约，或发展商提供的单位资料。
Each bank has its own list. Ask for it before you sign the SPA.每家银行要求不同，签买卖合约之前先拿到清单。
Timing: loan offer, SPA and state consent时间安排：贷款批文、买卖合约与州政府批准
As a foreigner, you need Johor state consent before the purchase can complete. It can take a few months. Ask your lawyer for a current estimate. Your loan offer also has a validity period. Ask your lawyer to make the SPA conditional on consent, and check that your loan offer will still be valid when consent arrives.外国人买房，须先获柔佛州政府批准，交易才能完成。可能需要数个月，请向律师询问最新的预计时间。贷款批文也有有效期。请律师把买卖合约定为以获得批准为条件，并确认获批时贷款批文仍然有效。
Costs linked to the loan与贷款相关的费用
In Malaysia, a ringgit home-loan agreement is generally stamped at 0.5% of the loan. See PwC tax booklet. There is also a legal fee for the loan documents under the Solicitors’ Remuneration Order 2023 scale, plus 8% service tax. CPF cannot be used for any of this. See CPF Board.在马来西亚，令吉房贷合约一般按贷款额的0.5%缴印花税。查看PwC税务手册。贷款文件另有律师费（按2023年收费标准），加8%服务税。这些都不能用公积金支付。查看公积金局说明。
A loan is one part of the cost. The rest is in our foreign buyer cost examples, and the steps in order are in how foreigners buy a new launch. To see what your budget reaches, browse projects from RM500K to RM1mil.贷款只是成本的一部分。其余的见我们的外国买家费用示例，流程顺序见外国人怎么买新盘。想知道你的预算能买什么，可以浏览50万至100万令吉的项目。
FAQ常见问题
Can a Singaporean get a loan for a JB condo?新加坡人买新山公寓能贷款吗？
Yes. Some Singapore banks lend in SGD for Johor Bahru homes, and BNM rules let non-residents borrow ringgit from Malaysian banks to buy property. Each bank decides the amount.可以。部分新加坡银行为新山房产提供新元贷款；国行规定也允许非居民向马来西亚银行借令吉买房。借多少由银行决定。
How much can I borrow?能贷多少？
On their own pages, OCBC shows up to 60% and UOB up to 70% for Malaysian homes in SGD. Malaysian banks did not publish a foreigner margin on the pages we checked.华侨银行官网列明马来西亚房产新元贷款最高60%，大华银行最高70%。我们查看的马来西亚银行页面没有列明外国人成数。
SGD or ringgit: which is better?新元贷款还是令吉贷款好？
It depends on your income and plans. An SGD loan matches a Singapore salary. A ringgit loan matches the home’s value and rent. Both carry currency risk in different ways.要看您的收入和计划。新元贷款与新加坡薪水同币种；令吉贷款与房价和租金同币种。两者都有汇率风险，只是方向不同。
What if the bank values the unit below the price?银行估价低于买价怎么办？
Banks such as UOB lend on the lower of price or valuation, so you would pay the difference in cash.像大华银行这类按价格或估价较低者放贷的银行，差额要由您用现金支付。
Can I use CPF for the down payment?首付能用公积金吗？
No. CPF savings can only be used for property in Singapore.不能。公积金只能用于新加坡的房产。
Sources资料来源
- OCBC: Overseas Property Loan (Malaysia) (checked 13 Oct 2026)华侨银行：海外房产贷款（马来西亚）（2026年10月13日查阅）
- UOB: International Property Loan (checked 13 Oct 2026)大华银行：国际房产贷款（2026年10月13日查阅）
- Bank Negara Malaysia: Borrowing in Malaysia by non-residents (checked 13 Oct 2026)马来西亚国家银行：非居民在马来西亚借贷（2026年10月13日查阅）
- Bank FAQ on BNM foreign exchange notices (real sector activity includes property purchase) (checked 13 Oct 2026)银行就国行外汇通告的问答（实体经济活动包括购房）（2026年10月13日查阅）
- Bank Negara Malaysia: Measures to promote responsible financing (DSR on net income) (checked 13 Oct 2026)马来西亚国家银行：促进负责任融资措施（以净收入计偿债比率）（2026年10月13日查阅）
- PwC Malaysian Tax Booklet: Stamp duty on loan agreements (checked 13 Oct 2026)PwC马来西亚税务手册：贷款合约印花税（2026年10月13日查阅）
- CPF Board on ask.gov.sg: CPF and overseas property (checked 13 Oct 2026)公积金局（ask.gov.sg）：公积金与海外房产（2026年10月13日查阅）
Last checked: 14 Oct 2026. This page is general information, not legal, tax or financial advice. Rules change, so confirm your own case with the agency or a lawyer before you commit.最后核对：2026年10月14日。本页为一般资讯，不构成法律、税务或理财建议。规定会变，签约前请向相关机构或律师确认您自己的情况。
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