Compare Commercial Property Loans in Malaysia 2018

Compare the best Commercial Mortgages in Malaysia. Get the best interest rates from the banks, and apply online.

Commercial Mortgage

Showing home loan packages for loan amount of RM 400,000 over 20 years


Maxi Plan & Business Property Based Financing
RM 2,552.24
4.6%
20 Years
100%
0 Years
No
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1. For industrial properties

2. Commercial properties


Biz-Property Islamic Term Loan
RM 2,606.79
4.85%
25 Years
85%
3 Years
No
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  1. 3 years lock in period.

  2. 3% penalty.

  3. MoF 90% for SCB prefered customer with $500k networth.

  4. Office/retail, MoF 80%.

  5. Foreigner less 10% base on the above mentions MoF applied.

  6. Age up to 70 years old.

  7. Better IR subject to loan size.

  8. Do not finance under cinstruction property and factories.

  9. Refinancing can cash out up to 80%.


Businees Flexi Loan
RM 2,606.79
4.85%
25 Years
85%
3 Years
Yes
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  1. Only for company purchase.

  2. 3 years lock in period.

  3. 3% penalty.


Flexi Conventional Shop Loan
RM 2,617.78
4.9%
30 Years
85%
3 Years
Yes
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  1. Without MRTA, CC and FD, the rate wil be higher.

  2. CIMB preferred member gets -0.05%.

  3. Available for SoHo (under commercial lot), shop lot and shop storey.

  4. Office unit MoF 70% - 75%max. ( subject to management approval).

  5. Available only in peninsular Malaysia.

  6. No lock in period.

  7. Max age is 70 yrs.

  8. Allowed MoF 85% for more than one single application with CIMB.

  9. Agricultural land, MoF 50% max.

  10. Commercial land, MoF 50% max.

  11. Do not finance Stalls, Shopping lots in complexes & Shopping Mall.


Conventional Semi Flexi Loan
RM 2,644.24
5.02%
25 Years
80%
3 Years
No
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  1. 3 years lock in period.

  2. 2% penalty of original loan amount for early termination of loan.

  3. Refinance max at only 85%.

  4. Foreigner (working in M'sia) max MoF 75%.

  5. For shoplots and offices, can only finance properties max 6 storeys high.

  6. For mixed development (E.g. Serviced Apartments), can only be used to finance ground floor shoplots only.

  7. Min age is 25 years up to 70 years.

  8. If bundled with MRTA/Renovation Loan/Credit Card/FD, the rate will be lower.


Savelink Conventional Flexi
RM 2,644.24
5.02%
25 Years
80%
3 Years
Yes
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  1. 3 years lock in period.

  2. 2% penalty of original loan amount for early termination of loan.

  3. Refinance max at only 85%.

  4. Foreigner (working in M'sia) max MoF 75%.

  5. For shoplots and offices, can only finance properties max 6 storeys high.

  6. For mixed development (E.g. Serviced Apartments), can only be used to finance ground floor shoplots only.

  7. Min age is 25 years up to 70 years.

  8. If bundled with MRTA/Renovation Loan/Credit Card/FD, the interest rate will be lower.


I-Wish Islamic Flexi
RM 2,644.24
5.02%
25 Years
80%
3 Years
Yes
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  1. 3 years lock in period.

  2. 2% penalty of original loan amount for early termination of loan.

  3. Refinance max at only 85%.

  4. Foreigner (working in M'sia) max MoF 75%.

  5. For shoplots and offices, can only finance properties max 6 storeys high.

  6. For mixed development (E.g. Serviced Apartments), can only be used to finance ground floor shoplots only.

  7. Min age is 25 years up to 70years.

  8. If bundled with MRTA/Renovation Loan/Credit Card/FD, the interest rate will be lower.


I-Wish Islamic Semi Flexi
RM 2,644.24
5.02%
25 Years
80%
3 Years
No
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  1. 3 years lock in period.

  2. 2% penalty of original loan amount for early termination of loan.

  3. Refinance max at only 85%.

  4. Foreigner (working in M'sia) max MoF 75%.

  5. For shoplots and offices, can only finance properties max 6 storeys high.

  6. For mixed development (E.g. Serviced Apartments), can only be used to finance ground floor shoplots only.

  7. Min age is 25 years up to 70 years.

  8. If bundled with MRTA/Renovation Loan/Credit Card/FD, the interest rate will be lower.


Biz-Property Conventional Term Loan
RM 2,650.88
5.05%
25 Years
85%
3 Years
No
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  1. 3 yrs lock in period.

  2. 3% penalty.

  3. MoF 90% for SCB prefered customer with $500k networth.

  4. Office/retail, MoF 80%.

  5. Foreigner less 10% base on the above mentions MoF applied.

  6. Age up to 70 yrs old.

  7. Better IR subject to loan size.

  8. Do not finance under construction property and factories.

  9. Refinancing cash out up to 80%.

  10. Only for Individual purchase.


Shop Loan
RM 2,659.75
5.09%
25 Years
80%
3 Years
No
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  1. 3 years lock in period.

  2. 3% penalty.

  3. Minimum withdrawal of RM5000 per transaction and multiply by RM1000 (Withdrawal fees of RM50 for each transaction).

  4. Must use the panel lawyer from HLB.

  5. Standard shop lot. Retail/factory not applicable.


Commercial Rate - Mortgage Plus
RM 2,659.75
5.09%
25 Years
80%
3 Years
Yes
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  1. 3 years lock in period.

  2. 3% penalty.

  3. Minimum withdrawal of RM5000 per transaction and multiply by RM1000 (Withdrawal fees of RM50 for each transaction).

  4. Must use the panel lawyer from HLB.

  5. Standard shop lot. Retail/factory not applicable.


Business Premises Financing-i
RM 2,673.08
5.15%
25 Years
90%
0 Years
No
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None


BizLoan
RM 2,865.72
6.0%
30 Years
85%
0 Years
Yes
More About This Product

None


BSN MyHome (Commercial Property)
RM 3,125.25
7.1%
20 Years
85%
3 Years
No
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  •  3 years or 5 years (where applicable) lock-in period

  •  Mortgage Reducing Term Takaful (MRTT) is required


Business PremisesSmart-i
RM 3,355.72
8.04%
30 Years
85%
0 Years
No
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Monthly service fee: RM10

As per the Stamp Duty Act 1949 (Revised 1989)


BSN MyHome-i (Commercial Property)
RM 3,370.70
8.1%
20 Years
85%
0 Years
No
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  •  Mortgage Reducing Term Takaful (MRTT) is required


RHB Equity Property Financing-i
RM 3,483.96
8.55%
35 Years
90%
3 Years
Yes
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  • Comprehensive Takaful coverage is optional

  • This package is for any nationality, salaried employee and self-emplyed individual


RHB Commercial Property Financing
RM 3,573.22
8.9%
25 Years
90%
3 Years
Yes
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  • Comprehensive Takaful coverage is optional

  • This package is for any nationality, salaried employee and self-emplyed individual


Commercial Property Conventional Term Financing
RM 3,575.78
8.91%
25 Years
85%
3 Years
No
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Set-up Fee RM200.00 (one time-off) for Conventional Term Loan with Redrawal facility.

Withdrawal Fee RM50.00 for every withdrawal of excess fund in Advance Payment for Conventional Term Loan with Redrawal facility.

Professional Legal Fee Includes fee for preparation of the financing agreement, stamp duty (as per the Stamp Duty Act 1949 (Revised 1989)), and disbursement fee.

Valuation Fee Valuation fee for preparing the formal valuation report (applicable for completed properties only).


Standard Home Financing-i (Commercial Property Financing)
RM 3,586.05
8.95%
30 Years
80%
0 Years
No
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1. Can be apply by any nationality

2. Islamic financing

3. Suitable for complete home, under construction or refinance

4. No processing fee for residential properties


Commercial Property Term Financing-i (Istisna' & Ijarah)
RM 3,650.51
9.2%
30 Years
90%
0 Years
No
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1. A guarantor should be provided if required

2. All collateral must be acceptable to shariah


Business Premises Financing-i
RM 3,689.43
9.35%
30 Years
85%
0 Years
No
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100% stamp duty waiver for conversion from conventional loan

Processing fee: Not applicable


Flexi Business Premises Financning-i
RM 3,689.43
9.35%
30 Years
85%
0 Years
Yes
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Set up fee of RM200.00

Non rebated profit of RM40.00

Monthly service charge of RM10.00

100% stamp duty waiver for conversion from conventional loan


Home Financing-i (Shophouse / Commercial) Products
RM 3,780.92
9.7%
35 Years
90%
0 Years
No
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  •  No lock-in period

  •  Mortgage Reducing Term Takaful (“MRTT”) is required


BizFlexi
RM 3,980.09
10.45%
30 Years
85%
0 Years
Yes
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Set up fee of RM200

Monthly service charge of RM10

Monthly flexi charge / Non rebated profit of RM40


Property Loan
RM 4,142.37
11.05%
35 Years
85%
3 Years
No
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  •  3 years lock in period

  •  Option to have redraw facility.

  •  Fire Insurance is required

  •  Mortgage Reducing Term Takaful (MRTT) is required


Property Link
RM 4,142.37
11.05%
35 Years
85%
3 Years
No
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  •  3 years lock in period

  •  Instant cash withdrawal via ATM or cheque book.

  •  Fire Insurance is required

  •  Mortgage Reducing Term Takaful (MRTT) is required


Property Financing-i
RM 4,142.37
11.05%
25 Years
95%
3 Years
No
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  •  3 years lock in period

  •  Fire Insurance is required

  •  Mortgage Reducing Term Takaful (MRTT) is required


Business Premises Financing
RM 4,307.14
11.65%
20 Years
150%
0 Years
No
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  •  Fire Takaful Insurance is required

  •  Mortgage Reducing Term Takaful (MRTT) is required


Commercial Semi-Flexi Retail Loan
RM 4,359.81
11.84%
30 Years
80%
3 Years
No
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  •  

  •  3 years lock in period

  •  Fire Takaful is required

  •  Mortgage Reducing Term Takaful (MRTT) is required


UOB BizProperty
RM 4,387.62
11.94%
25 Years
90%
0 Years
No
More About This Product

None


SME Biz Property Extra
RM 4,945.06
13.9%
20 Years
148%
3 Years
No
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  •  3 years lock in period

  •  Fire Insurance is required

  •  Reducing Term Assurance (RTA), is required


Commercial Property Loan/Financing-i
RM 4,945.06
13.9%
20 Years
85%
3 Years
No
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  •  3 years lock in period

  •  Fire Insurance is required

  •  Reducing Term Assurance (RTA), is required


Business Term Financing-i
RM 5,014.81
14.14%
25 Years
90%
0 Years
No
More About This Product

None


Term Financing-i
RM 5,014.81
14.14%
35 Years
80%
0 Years
No
More About This Product

None


Commercial Property Term Financing-i (Tawarruq)
RM 5,193.42
14.75%
30 Years
90%
0 Years
No
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1. Sole proprietors can apply

2. Partnership business can apply

3. Private company can apply


Business Financing-i (Property-i)
RM 5,484.16
15.73%
20 Years
80%
0 Years
No
More About This Product


  • Collateral is required

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Showing 10 of 37 Packages