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- Example of payment schedule when purchasing a property
Example of payment schedule when purchasing a property
- In the case of a pre-sale (pre-sale) property
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
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 (used) property
