Foreign Buyer Guide外国买家指南
A clear, practical starting point for buying residential property in Penang and Kuala Lumpur — eligibility, price thresholds, 2026 costs and the purchase process.以清楚、实用的方式了解在槟城与吉隆坡购买住宅的资格、价格门槛、2026 年费用与购房流程。
Can a non-citizen buy in Penang or Kuala Lumpur?外国买家可以在槟城或吉隆坡买房吗？
Generally yes, subject to the property type, minimum purchase price and the relevant authority approval.一般可以，但须符合房产类型、最低购买价格及相关主管机构批准等条件。
Penang Island & Kuala Lumpur residential guide槟岛与吉隆坡住宅购买门槛
The figures below are standard screening thresholds for Penang Island and Kuala Lumpur. Temporary campaigns and special categories are not assumed.以下为槟岛与吉隆坡的一般筛选门槛，不采用短期购屋优惠或特殊类别作为默认条件。
| PROPERTY TYPE房产类型 | PENANG ISLAND槟岛 | KUALA LUMPUR吉隆坡 |
|---|---|---|
| Strata residential分层住宅 | RM1,000,000 | RM1,000,000 |
| Landed / landed strata有地住宅／分层有地住宅 | RM3,000,000 | Confirm title eligibility须个别确认产权资格 |
These are screening figures, not approval guarantees. MM2H, permanent resident, company purchases, overhang campaigns and non-residential property may follow different requirements.以上仅供初步筛选，并不代表一定获批。MM2H、永久居民、公司购置、滞销单位优惠及非住宅房产可能适用不同规定。
What is generally restricted?一般不可购买哪些房产？
Do not rely on price alone. The title, allocation and method of sale must also be checked before a booking is made.不要只看价格。支付订金前，还必须检查产权、单位分配及出售方式。
Low-cost categories低价及特定可负担房屋
Low and medium-low cost residential categories are generally not available to foreign interests.低价及中低价住宅类别一般不开放给外国买家。
Malay Reserve Land马来保留地
Properties on Malay Reserve Land are not eligible for foreign acquisition.位于马来保留地的房产不可由外国买家购置。
Bumiputera allocation土著保留单位
Units allocated to Bumiputera interests are generally excluded.分配给土著买家的保留单位一般不可购买。
Auction property拍卖房产
Auction purchases can be restricted and must be checked according to the property location.拍卖房产可能受到限制，须按照房产所在地个别确认。
Budget beyond the purchase price不要只预算房价
Use these headings for planning, then obtain a written quotation from a Malaysian lawyer and your financing bank.可先按照以下项目规划预算，再向马来西亚产业律师及贷款银行索取书面报价。
Transfer stamp duty产业转让印花税
For residential homes transferred to non-citizen individuals, excluding Malaysian permanent residents, the 2026 federal measure sets a fixed rate of 2026 年联邦措施规定，非马来西亚永久居民的外国个人购买住宅，产业转让印花税采用固定税率：8%, effective from 1 January 2026.，自 2026 年 1 月 1 日起生效。
Consent and applicable levy批准与适用征费
State approval and an applicable levy may be required. Estaluxia does not show a fixed estimate because the lawyer should confirm the current basis for the selected property.可能需要州政府批准及缴付适用征费。Estaluxia 不提供固定估算，应由律师针对所选房产确认现行计算方式。
Legal fees and disbursements律师费与杂费
Allow for SPA, financing documentation, searches, registration and other disbursements. Request an itemised quotation.应预算买卖合约、贷款文件、产权查询、注册及其他杂费，并索取分项报价。
Management and sinking fund管理费与储备基金
For strata property, confirm the monthly maintenance rate and whether sinking fund is included or charged separately.购买分层房产时，应确认每月管理费，以及储备基金是否包含在内或另外征收。
A safer six-step route较稳妥的六个步骤
The sequence varies by new launch, subsale and financing structure. Keep legal verification before non-refundable commitments.新项目、二手房及不同贷款安排的流程会有所不同；作出不可退还的付款前，应先完成法律核实。
Screen the property筛选合资格房产
Check location, property type, price threshold and obvious restrictions.检查地点、房产类型、价格门槛及明显限制。
Appoint your lawyer委任产业律师
Obtain independent advice on title, approvals, SPA terms and current fees.独立核查产权、所需批准、买卖合约条款及现行费用。
Confirm funding确认资金安排
Obtain bank indication or prepare proof of funds before setting deadlines.在确定付款期限前，先取得银行初步意见或准备资金证明。
Review and sign审阅并签署文件
Confirm the price, package, refund terms and approval conditions in writing.以书面确认价格、优惠、退款条款及批准条件。
State approval申请州政府批准
The appointed lawyer normally manages the consent application and supporting documents.一般由受委律师处理批准申请及所需文件。
Transfer and handover转名与交房
Complete stamping, financing, registration and the final property handover.完成印花税、贷款、产权注册及最终交房。
Ask for these eight items先确认以下八项资料
A polished brochure is not enough. The buying decision needs current, property-specific information.精美宣传册并不足够；购房决定需要最新且针对具体房产的资料。
Exact parcel, title category, tenure and restrictions in interest.具体单位、产权类别、产权年限及产权限制。
Current price, package, rebate and payment schedule in writing.书面确认最新价格、配套、回扣及付款时间表。
Latest available unit, floor and facing.最新可售单位、楼层及朝向。
Official floor plan and built-up area.正式平面图及建筑面积。
Maintenance fee and whether sinking fund is included.管理费及是否包含储备基金。
State consent route, expected documents and refund conditions.州政府批准程序、所需文件及退款条件。
Loan margin, valuation and bank approval conditions.贷款比例、估价及银行批准条件。
Rules affecting rental, renovation and intended use.可能影响出租、装修及用途的相关规定。
Clear answers before you enquire咨询前先了解
Do I need MM2H to buy property?买房一定要有 MM2H 吗？
Not necessarily. General foreign acquisition rules and state consent can apply independently of MM2H. Special categories should be checked separately with your lawyer.不一定。一般外国买家规定及州政府批准可独立于 MM2H 适用；特殊类别应由律师另外确认。
Can a foreign buyer obtain a Malaysian home loan?外国买家可以申请马来西亚房贷吗？
Potentially yes, subject to the bank, income documents, residency profile, property valuation and credit assessment. Do not assume the same margin offered to Malaysian citizens.有可能，但须视银行、收入文件、居留情况、房产估价及信贷审核而定；不要假设可获得与马来西亚公民相同的贷款比例。
Can I buy for investment or short-term rental?可以买来投资或经营短租吗？
Investment ownership may be possible, but short-term rental is a separate issue. Check the title, local rules and management body restrictions before relying on rental income.可以作为投资持有，但短租属于另一项问题。评估租金收入前，应检查产权、地方规定及管理机构限制。
How long does state approval take?州政府批准需要多久？
Timing varies by application, document completeness and authority processing. Obtain a current estimate from the appointed lawyer and avoid guaranteed timelines.时间取决于个别申请、文件完整度及主管机构处理进度。应向受委律师索取最新估算，不应依赖保证时限。
Verify the rule, not the sales claim核实政策，而非只听销售说法
Estaluxia uses official public sources for this guide and shows the verification date above.Estaluxia 依据公开官方资料编写本指南，并在上方注明最后核实日期。
Start with properties that fit the rules.先从符合购买条件的项目开始。
Tell us your budget and preferred area. We will shortlist relevant properties in Penang or Kuala Lumpur.只需告诉我们预算与理想地区，我们便会整理相关的槟城或吉隆坡项目。
Informational guide only; not legal, tax, immigration or financing advice. Rules and fees must be confirmed for the selected property before commitment.本页仅供一般资讯参考，不构成法律、税务、移民或贷款意见。作出购买承诺前，必须针对所选房产重新确认规定及费用。