马来西亚本地买家
For Malaysian buyers
For Malaysian citizens, including Malaysians working in Singapore or holding Singapore PR.
Five steps
Do these five things first
- Download CCRIS and check CTOS
- Budget: deposit, legal fees, stamp duty
- Get loan pre-approval
- Confirm a non-Bumi unit and title restrictions
- Sign, claim first-home relief, inspect at handover
Essential guides
Read in order and avoid costly mistakes
Guide for Malaysian buyers
Complete guide for non-Bumiputera Malaysians (including Malaysian Chinese) buying in Johor Bahru…
Read →Malaysian (non-Bumi) buyersBumi units & title restrictions
What non-Bumiputera buyers must know: Johor's Bumi quota and 15% discount, whether Bumi units ca…
Read →Malaysian (non-Bumi) buyersFirst-home stamp duty
Malaysia's first-home stamp duty exemption: fully exempt up to RM500k (SPAs to end-2027), the Bu…
Read →Malaysian (non-Bumi) buyersEPF withdrawal for a home
How Malaysians use EPF Akaun Sejahtera for a home: deposit, reducing or settling the loan, month…
Read →Malaysian (non-Bumi) buyersLoan approval: DSR/CCRIS
What Malaysian banks look at: how DSR is calculated, CCRIS vs CTOS, credit cards and PTPTN, self…
Read →Costs & financingTotal buying costs
Total cost of buying in Johor Bahru: down payment, transfer and loan stamp duty, legal fees (sta…
Read →Costs & financingRates, lock-in & refinancing
Choosing a Malaysian home loan: SBR and OPR, effective rate, term vs semi-flexi vs full-flexi, l…
Read →Buying process & handoverNew launch vs subsale
The full process and timeline for buying a new launch or subsale home in Johor Bahru: progressiv…
Read →Tax, legal & titleLand title types
Property title guide for JB: freehold vs leasehold and renewal, strata titles, master titles, se…
Read →Investing, schools & livingSchools guide
Choosing a JB home for your children: Chinese primary schools (SJKC), Foon Yew High School (JB, …
Read →Buying process & handoverScams: check developer & agent
How to avoid property scams in Johor Bahru: check the developer licence and advertising permit, …
Read →Buying process & handoverHandover checklist
New-home handover checklist for JB: hollow tiles, cracks, leaks, doors and windows, electrics, d…
Read →Areas
Areas that suit you
Walk to the checkpoint and RTS station — the easiest commute to Singapore; mostly high-rise, many options for foreigners.
CIQ ~1 kmFood streets and the AEON / IKEA / Toppen cluster — a mature, mostly Chinese neighbourhood with landed homes and condos.
CIQ ~11 kmMature estates with great food and friendlier prices than Mount Austin; Permas has riverside condos and the EDL to the checkpoint.
CIQ ~7 kmA mature west-side hub around AEON Bukit Indah, close to Iskandar Puteri and the Second Link.
CIQ ~12 kmHome to UTM and Southern University College; Sutera, Mutiara Rini and Perling are mature, more affordable Chinese neighbourhoods.
CIQ ~13 kmA Chinese small-town feel at friendlier prices, near Senai Airport and Foon Yew's Kulai branch; far from Singapore.
CIQ ~27 km