Questions worth asking
before you buy.买之前，
这些问题值得先问。

Start with location, connectivity, developer track record, purpose, total budget and surrounding supply.先看地点、交通、发展商记录、购房目的、总预算，以及周边供应量。

Own-stay buyers usually prioritise comfort, layout, schools, healthcare and daily convenience. Investors should focus more on tenant demand, rental yield, holding costs and resale prospects.自住买家通常更重视舒适度、户型、学校、医疗与日常便利。投资者则应更重视租客需求、租金回报、持有成本与转售潜力。

Neither is automatically better. A new launch may offer newer facilities and developer incentives; a subsale lets you see the actual building, neighbourhood and rental history more clearly.没有绝对哪一个更好。新楼盘可能有较新的设施与发展商优惠；二手房则可以更直接看到实际建筑、社区环境与租赁情况。

A straightforward transaction can take several weeks to a few months. Financing, legal work, title status and foreign-buyer approvals can change the timeline.一般交易可能需要几周到几个月。贷款、律师工作、产权状态以及外国买家审批都会影响时间。

Yes, but the rules are state-specific. Minimum purchase prices, eligible property types and approval requirements can differ between Johor, Kuala Lumpur, Penang and other states.可以，但规则按州属而不同。最低购买价格、可购买的房产类型及审批要求，在柔佛、吉隆坡、槟城等州属可能不同。

Allow for legal fees, stamp duty, financing costs, valuation where applicable, renovation or furnishing, maintenance and other ownership expenses. Foreign buyers may also face state-level charges.除了首付款，还要考虑律师费、印花税、贷款费用、估价费（如适用）、装修家具、管理费及其他持有成本。外国买家也可能面对州属相关费用。

In many cases, yes. The exact process depends on the state, property type and the buyer’s circumstances. Verify this before committing.很多情况下需要。具体流程取决于州属、房产类型及买家的情况。付款或签约前应先确认。

Some Malaysian banks lend to foreigners and MM2H participants, but loan-to-value ratios, income documents and approval criteria can differ.部分马来西亚银行会向外国人及 MM2H 参与者提供房贷，但贷款成数、收入证明与审批标准可能不同。

Do not look only at the down payment. Add legal and stamp-duty costs, financing-related fees, renovation or furnishing and an emergency cash buffer.不要只计算首付款。还要加上律师费、印花税、贷款相关费用、装修家具，以及应急现金储备。

Both are forms of mortgage-related protection. The suitable structure depends on the loan, policy terms and your family financial priorities.两者都是与房贷相关的保障。适合哪一种，要看贷款、保单条款以及家庭财务需求。

Compare actual nearby rents, tenant profiles, unit size, competing supply and the property’s total monthly cost.比较附近实际租金、租客类型、单位面积、竞争供应，以及房产每月实际持有成本。

Vacancy, oversupply, financing costs, maintenance, weaker resale demand and regulatory changes can all affect returns.空置、供应过剩、融资成本、维修管理、转售需求下降及政策变化，都可能影响回报。

No. Check local authority rules, the building’s JMB/MC or strata rules, licensing requirements and the property’s permitted use.不一定。必须检查地方政府规定、JMB/MC 或分层地契规则、执照要求及房产允许用途。

Johor combines proximity to Singapore with a large regional economy, major infrastructure and a growing range of residential, commercial and mixed-use districts.柔佛靠近新加坡，同时拥有区域经济、重大基建，以及不断发展的住宅、商业和综合发展区。

No. MM2H status and property ownership rules are related but not identical. Check the state’s foreign ownership requirements and the specific property category.不可以。MM2H 身份与房产拥有权规则有关，但并不完全相同。仍需确认州属外国人购房门槛及具体房产类别。

Verify the property identity, price, tenure, developer or vendor, foreign-buyer eligibility, estimated costs, financing assumptions and the relevant SPA / booking documentation.确认房产身份、价格、产权、发展商或卖家、外国人购买资格、预计费用、贷款假设，以及相关 SPA / booking 文件。