Navigating Commercial Property Loans in Malaysia
Commercial loans work differently from residential. Higher margins, shorter tenures — here's what to expect from Malaysian banks.
Updated 19 Oct 2026 · PropertyMsia
Loan-to-Value (LTV): Banks typically finance 80–85% for commercial vs 90% for residential. Expect to prepare 15–20% downpayment plus costs.
Loan Tenure: Usually 25–30 years for commercial (vs 35 for residential). Some banks limit to 20 years for shopoffices.
Interest Rate: Based on BLR/BFR + spread. Commercial rates are slightly higher than residential — typically 4.5–5.5% p.a.
Documentation: Business bank statements (6–12 months), audited accounts, tenancy agreements if investment property, and personal income documents.
Tip: Apply to at least 3 banks. AmBank, RHB, CIMB and Maybank all have active commercial property financing desks.
Loan Tenure: Usually 25–30 years for commercial (vs 35 for residential). Some banks limit to 20 years for shopoffices.
Interest Rate: Based on BLR/BFR + spread. Commercial rates are slightly higher than residential — typically 4.5–5.5% p.a.
Documentation: Business bank statements (6–12 months), audited accounts, tenancy agreements if investment property, and personal income documents.
Tip: Apply to at least 3 banks. AmBank, RHB, CIMB and Maybank all have active commercial property financing desks.
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