A rental yield tells you how much a property earns each year as a percentage of its price. Here is how to calculate it properly, step by step.
Step 1: Gross yield
Gross yield = yearly rent ÷ purchase price × 100. This is the number in most advertisements, and it ignores every cost.
Step 2: List the yearly costs
- Maintenance fee: floor area × rate per sq ft × 12.
- Sinking fund: commonly 10% of the maintenance charge.
- Assessment (cukai taksiran) and quit rent (cukai tanah).
- Vacancy: months with no tenant.
- Agent fee, repairs, insurance if you pay them.
Step 3: Net yield
Net yield = (yearly rent − yearly costs) ÷ purchase price × 100.
Step 4: Tax
Malaysia taxes rental income earned in Malaysia. Non-residents pay a flat 30% on net rental income. IRAS says foreign-sourced income received in Singapore by individuals is generally exempt (income through a Singapore partnership is an exception), but confirm with IRAS or a tax adviser.
Worked example (illustrative numbers)
| Item | Amount |
|---|---|
| Purchase price | RM600,000 |
| Rent RM2,500 × 12 | RM30,000 → gross yield 5.0% |
| Maintenance 900 sq ft × RM0.35 × 12 | − RM3,780 |
| Sinking fund (10%) | − RM378 |
| Assessment + quit rent | − RM680 |
| One month vacant | − RM2,500 |
| Net rental income | RM22,662 → net yield 3.8% |
| Non-resident tax 30% | − RM6,799 |
| After tax | RM15,863 → about 2.6% |
These numbers are examples, not market data. Loan interest is not included. Check real rents for your exact project and layout.
Use the rental yield calculator (tool 5) to try your own numbers. To see current rents, ask for recent tenancy examples in the same project.
租金回报率告诉你一个房产每年赚的钱占房价的百分比。下面一步一步教你正确地算。
第 1 步：毛回报
毛回报 = 年租金 ÷ 购买价 × 100。这是大多数广告上写的数字，它没有扣任何成本。
第 2 步：列出每年的成本
- 管理费：面积 × 每平方英尺费率 × 12。
- Sinking Fund：一般是管理费的 10%。
- 门牌税（cukai taksiran）和地税（cukai tanah）。
- 空置期：没有租客的月份。
- 如果由你负责，还有中介费、维修、保险。
第 3 步：净回报
净回报 = （年租金 − 年成本）÷ 购买价 × 100。
第 4 步：税
马来西亚会对在马来西亚赚取的租金收入征税，非居民按净租金收入固定 30%。IRAS 表示个人在新加坡收到的境外来源收入一般免税（通过新加坡合伙企业取得的除外），但请向 IRAS 或税务顾问确认。
实例（示意数字）
| 项目 | 金额 |
|---|---|
| 购买价 | RM600,000 |
| 租金 RM2,500 × 12 | RM30,000 → 毛回报 5.0% |
| 管理费 900 平方英尺 × RM0.35 × 12 | − RM3,780 |
| Sinking Fund（10%） | − RM378 |
| 门牌税 + 地税 | − RM680 |
| 空置一个月 | − RM2,500 |
| 净租金收入 | RM22,662 → 净回报 3.8% |
| 非居民税 30% | − RM6,799 |
| 税后 | RM15,863 → 约 2.6% |
这些数字只是例子，不是市场数据，也没有计入贷款利息。请查你那个项目和户型的真实租金。
用租金回报率计算器（工具 5）试你自己的数字。想知道现在的租金，请向同一个项目要最近的出租例子。