Yes, but foreign-buyer rules still apply (minimum threshold, approval, and related compliance). / 可以，但仍受外国买家规则约束（最低门槛、审批及相关合规要求）。
Legal fees, valuation fees, loan-related charges, disbursements, and other transaction costs. / 律师费、估价费、贷款相关费用、杂费及其他交易成本。
Yes. Johor has specific thresholds and additional conditions in certain designated zones. / 是的。柔佛州有特定门槛，在部分指定区域还有额外条件。
proof of income/funds, financing pre-check, and legal due diligence on title and restrictions. / 收入或资金证明、贷款预审，以及产权与限制条款的法律尽调。
BR is a bank’s own base lending benchmark (used in earlier frameworks). / BR是银行自定的基础贷款利率基准（较早期制度使用）。
BLR is the older lending-rate system used before BR/SBR frameworks. / BLR是更早期的贷款利率制度，在BR/SBR之前广泛使用。
To improve transparency and make loan pricing easier to compare across banks. / 为了提高透明度，让不同银行房贷配套更容易比较。
ELR is the actual rate borrowers pay after adding/subtracting the spread from SBR/BR. / ELR是借款人真正支付的利率（SBR/BR加减spread后的实际利率）。
If OPR rises, floating loan rates usually increase, so monthly instalments may go up. / OPR上调通常会推高浮动房贷利率，月供可能增加。
Floating is flexible and may benefit if rates fall; fixed gives payment certainty. / 浮动利率灵活，利率下行时更有利；固定利率胜在月供稳定、可预测。
Compare ELR, spread, lock-in period, fees, flexi features, and refinancing options. / 重点比较ELR、spread、锁定期、手续费、flexi功能与再融资条件。
Existing loans generally continue under their original terms unless refinanced/restructured. / 现有贷款通常按原合约继续执行，除非你做再融资或重组。
It depends on your cash flow, loan eligibility, risk tolerance, and holding horizon—not just rates. / 取决于你的现金流、贷款资格、风险承受度和持有周期，不只是看利率高低。
Yes, but under state rules and approval procedures. / 可以，但必须遵守州属规定并完成审批流程。
Foreign buyers pay 8% stamp duty on residential transfers from 1 Jan 2026, plus normal legal/loan costs. / 2026年1月1日起，外国买家住宅转让印花税为8%，另加律师费与贷款相关费用。
SBR is the standard benchmark used by banks to price floating-rate home loans. / SBR是银行计算浮动房贷利率的标准基准利率。
No. Generally not low/medium-cost units, Bumiputera quota units, or Malay Reserved Land. / 不可以。通常不能购买廉价/中价屋、土著配额单位及马来保留地。
Yes. State Authority consent is required before transfer completion. / 需要。产权转让完成前，必须取得州政府批准。
It varies by state and property type; many states are RM1 million or above. / 视州属与房产类型而定，多数州属约RM100万或以上。
Yes, but loan margins are usually lower and subject to bank assessment. / 可以，但贷款成数通常较低，并以银行审批为准。
For most tiers, yes. Applicants must buy qualifying property based on tier requirements. / 大多数等级都需要，申请者须按等级要求购买符合条件的房产。
No. Price threshold is one condition; state consent is still required. / 不一定。价格门槛只是条件之一，仍需州政府批准。
BR is a bank base rate framework; BLR is the older lending-rate framework used previously. / BR是较早期银行基础利率框架；BLR是更早期贷款利率制度。
ELR is the actual rate paid after adding/subtracting spread from SBR/BR. / ELR是SBR/BR加减spread后借款人实际支付的利率。
Yes, but foreign-buyer rules still apply (minimum threshold, approval, and related compliance). / 可以，但仍受外国买家规则约束（最低门槛、审批及相关合规要求）。
When OPR rises, floating instalments usually rise; when OPR falls, instalments may reduce. / OPR上调时浮动月供通常上升；OPR下调时月供可能下降。
Legal fees, valuation fees, loan-related charges, disbursements, and other transaction costs. / 律师费、估价费、贷款相关费用、杂费及其他交易成本。
Floating offers flexibility; fixed offers payment certainty. Choose based on cash flow and risk tolerance. / 浮动利率较灵活，固定利率更稳定，应按现金流与风险承受度选择。
Yes. Johor has specific thresholds and additional conditions in certain designated zones. / 是的。柔佛州有特定门槛，在部分指定区域还有额外条件。
Compare ELR, spread, lock-in period, fees, flexi features, and refinancing options. / 比较ELR、spread、锁定期、手续费、flexi功能与再融资条件。
