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Example of payment schedule when purchasing a property

Pre-sale properties in Malaysia(*1)if you buy theDepending on the progress of the construction, "Method of paying the purchase price in stages"is adopted. If a lump sum payment is made in advance, the buyer bears the risk, and if a lump sum payment is made after the property is completed, the developer bears the risk. With this method, the developer will be exposed to risks in stages, but the closer the construction is to completion, the less likely it is that the project will not be completed as planned.In general, property prices tend to rise by 20-30% from the start of sales to the completion of construction.is in

In addition, if you are purchasing a property that has already started construction, you will need to pay a deposit (about 1-3% of the property price) at the time of purchase application, a down payment (10% of the property price minus the down payment) at the time of signing the sales contract (usually within 14 days after the application), and after obtaining the consent of the state government for the completed construction part.(*2)It will be the flow of payment to.

*1 According to the definition on our website, properties before completion are pre-sales (pre-sales).

*2 Acquisition of state government agreement is one of the conditions for foreigners to purchase real estate such as condominiums in Malaysia. It takes about 3 months to obtain.

■「KIARA163」のお支払スケジュール例 (Overview of expenses for purchasing real estatehere)

*The amount and timing of each payment may change depending on the progress of the construction.

* Conditions for each payment amount, percentage, and payment period differ depending on the property.

住宅ローンを利用しない場合のお支払

If you do not use a housing loan, after the construction completion notification corresponding to the progress of construction arrives at the customer's hand,You will pay the purchase price in stages by check or bank transfer.. Also, if you have a savings account with a local bank in Malaysia, you can also withdraw from your account. The timing and interval of payment may vary slightly depending on the developer and property, but please refer to the payment schedule example above.

住宅ローンを利用した場合のお支払

When using a housing loan, it usually depends on the progress of constructionPay your own funds first, then release the mortgagewill be For example, if 50% of the property price is covered by a mortgage, a 10% down payment will be paid at the time of signing the sales contract, and the remaining 40% will be paid by the owner's own funds at the time of the first notice of completion of construction.

<Housing loan overview, conditions, etc.> In Malaysia, even foreigners can use local banks,Up to 50% of the property purchase price or the lower of the appraisal valueIt is possible to arrange a housing loan up to (the loan amount varies depending on the situation and value of the property, the customer's attributes, etc.).

Mortgage borrowing period is generally up to 30 years (until the loan applicant reaches the age of 60)とされています（住宅ローン借入可能年数・借入基準は銀行によって異なります）。住宅ローン金利は、2015年1月現在、現地の各銀行がそれぞれ設定する基準金利（3ヶ月物クアラルンプール銀行間金利・現行3.90％に連動）に、銀行の資金調達コストなどをプラスした金利（銀行によって異なる）が適用されており、The average market rate for variable interest rate mortgages is around 4.45% to 5.05%.It is It is not mandatory to open a bank account at the same bank when applying for a housing loan.

■ Documents generally required for mortgage screening

a copy of passport
Enrollment certificate (years of employment, salary, position, company location, phone number) *Company stamp required
A copy of your bank passbook with payslips for the last 3 months and transfer history
Copy of withholding slip or final tax return (for 2 years in principle)
Certificate of tax payment issued by the tax office (written in English) No.1 and No.2 (Reference material), or residence tax certificate issued by the municipality
Documents that prove your assets and other income (copy of each bank passbook, etc.)

*In some cases, your bank may require you to submit additional documents.

In the case of a completed (second-hand) property, a deposit (about 1-3% of the property price) is paid at the time of purchase application, a down payment (10% of the property price minus the deposit) is paid at the time of signing the sales contract (usually within 14 days after the application), and the remaining amount equivalent to 90% is paid after obtaining an agreement from the state government (usually about 3 months later). As with pre-sale properties, mortgage loans are also available.

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