Singaporeans can buy in Johor Bahru, but the process has a few steps that do not exist in Singapore, mainly State Consent. Here is the whole journey in order, with what to check at each step.
Step 1: Decide why you are buying
Weekend home, rental investment, or a future place to live and commute from? The answer decides the area, the unit size and how much cash you keep. Near the CIQ and RTS Link suits commuters and tenants. A bigger family-sized unit suits weekend use. See our RTS commute guide and the Projects page for real distances.
Step 2: Check that you are allowed to buy that unit
- Foreigners need Johor State Authority consent for every purchase.
- The general minimum price is RM1 million. Some projects have special approval for lower prices, and then a minimum state levy applies. Get the approval in writing.
- Malay Reserve land, Bumiputera-lot units and low-cost units are generally not open to foreigners.
Details: Can Singaporeans buy property in Johor?
Step 3: Work out the real budget
The price is not the total. On a RM1 million unit with a 65% loan, one-off costs come to roughly 13% in our calculator (stamp duty 8%, state levy 3%, loan stamp duty and legal fees). Holding costs such as quit rent, assessment and maintenance come on top. See how much extra to prepare.
Step 4: Decide how you will pay
- CPF cannot be used for property outside Singapore, so cash or a bank loan.
- Malaysian banks can lend to foreigners, in ringgit, usually at a lower margin of financing than for locals. Get a written quote.
- Mind the exchange rate: your income is in SGD, your loan is in MYR. Check the rates page.
Step 5: Shortlist and view
View in person, at different times of day and on a weekday. Check traffic at the Causeway side, the walk to the nearest bus or RTS station, the developer's track record and whether the project is completed or under construction. Ask for the exact unit's price and floor plan in writing.
Step 6: Pay the booking fee and sign the offer
The booking fee reserves the unit for a short period. Before paying, confirm in writing that the unit is open to foreigners and what happens to the fee if State Consent is refused.
Step 7: Appoint a lawyer and sign the SPA
Use a Malaysian lawyer who has handled foreign-buyer purchases. For a new project, the developer's panel lawyer prepares the sale and purchase agreement (SPA), and you can appoint your own lawyer to advise you. Read the conditions on State Consent and the completion date.
Step 8: State Consent
Your lawyer applies after the SPA is signed. Plan for about 3 to 6 months on a resale, and do not plan a move-in or rental date around the fastest case. See State Consent explained.
Step 9: Loan and payment
The bank issues a letter of offer, your lawyer prepares the loan documents, and progress payments follow the schedule for a new project. Keep cash ready for stamp duty and the levy.
Step 10: Completion and keys
For a resale, the transfer is registered after consent and payment. For a new project, you receive vacant possession on the developer's schedule, then inspect the unit and list defects within the defect liability period. Then decide: self-stay, rent out or hold. If renting, see how to calculate rental yield.
Quick checklist
| Before you pay | Ask for it in writing |
|---|---|
| Eligibility | Foreigner-eligible unit, price and approval |
| Costs | Total cost including levy, duty, legal fees |
| Timeline | State Consent and completion dates |
| Risk | What happens to your deposit if consent fails |
| Exit | How and to whom you can resell |
新加坡人可以在新山买房，但流程里有几步是新加坡没有的，最主要是 State Consent（州政府批准）。下面按顺序讲完整个过程，以及每一步要检查什么。
第 1 步：先想清楚为什么买
是周末度假屋、出租投资，还是将来住这里再通勤？答案决定区域、单位大小和你要留多少现金。靠近 CIQ 和 RTS Link 适合通勤族和租客；面积较大的家庭单位适合周末使用。看我们的 RTS 通勤指南和项目页面了解真实距离。
第 2 步：确认你可以买这个单位
- 外国人每次购买都需要柔佛州政府批准。
- 一般最低价是 RM100 万。有些项目有特别批准，可以低于这个价格，但会有最低州征费。请把批准文件拿到书面。
- 马来保留地、土著配额单位和低成本房屋，一般不开放给外国人。
第 3 步：算出真实预算
价格不是总数。RM100 万的单位、贷款 65%，我们计算器里一次性费用大约 13%（印花税 8%、州征费 3%、贷款印花税和律师费）。另外还有地税、市政税和管理费等持有成本。见要准备多少额外费用。
第 4 步：决定怎么付款
- 公积金（CPF）不能用来买海外房产，只能用现金或银行贷款。
- 马来西亚银行可以贷款给外国人，是令吉贷款，贷款成数通常比本地人低。请要书面报价。
- 留意汇率：你的收入是新币，贷款是令吉。看汇率页面。
第 5 步：筛选和看房
亲自去看，选不同时段和平日。检查过关一带的交通、走路到巴士站或 RTS 站的距离、发展商的信誉，以及项目是已完工还是在建。要书面的单位价格和平面图。
第 6 步：付订金并签 offer
订金用来短期保留单位。付款前，请书面确认单位开放给外国人，以及如果 State Consent 被拒绝，订金会怎么处理。
第 7 步：请律师并签 SPA
请处理过外国买家的马来西亚律师。新项目通常由发展商的指定律师准备买卖合约（SPA），你也可以请自己的律师给你意见。要仔细看 State Consent 条款和交房日期。
第 8 步：State Consent
SPA 签署后由律师申请。二手房预留大约 3 至 6 个月，不要按最快的情况来安排入住或出租日期。见 State Consent 详解。
第 9 步：贷款和付款
银行发出贷款 offer，律师准备贷款文件，新项目则按进度付款。请预留现金缴交印花税和征费。
第 10 步：交房和拿钥匙
二手房在批准并付款后办理过户。新项目按发展商时间表交钥匙，之后验房，并在瑕疵责任期内列出问题。然后决定自住、出租还是持有。要出租的话，看怎么计算租金回报。
快速清单
| 付款之前 | 要书面确认 |
|---|---|
| 资格 | 该单位、价格和批准都开放给外国人 |
| 费用 | 含征费、印花税、律师费的总费用 |
| 时间 | State Consent 和交房日期 |
| 风险 | 批准失败时订金怎么处理 |
| 退出 | 将来怎么转售、卖给谁 |