Home Loan

RHB MY1 Full Flexi Overseas Property Home Loan

Expand your world - finance a residential property abroad for your legacy, your lifestyle, or your next investment.
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Whether you're investing in overseas residential property, securing a holiday home or planning ahead for your children’s overseas education in Australia (Sydney & Melbourne) & London UK, our Overseas Property Home Loan gives you the flexibility to finance with confidence. Enjoy the convenience of making extra repayments and withdrawals whenever you need them. Because living abroad deserves smarter financing.



Benefits & Privileges

Flexible repayment

Flexible repayment

Make extra repayments on top of your regular monthly loan repayment if you’d like!
No additional charges

No additional charges

Enjoy the flexibility without upfront fees, redraw fees or monthly service charges
Early Release

Early Release

Early release option available to lock in the favorable currency rate



Join RHB Premier today to enjoy personalized wealth advice and priority support when financing your overseas property.

Join RHB Premier

RHB Mortgage Calculator

Quickly run the numbers and see what is comfortable for you.

RM
RM
RM
%
years
%

Monthly Payment

RM5,637

Total Payments

RM2,029,186

Total Profit Payments

RM979,186

Please note that the results from this calculator is for illustration purposes and subject to fully disbursed amount only. Results do not represent approval of the loan which is subject to RHB’s credit evaluation.

Loan Details
Australia
UK
Purpose of Facility Purchase completed and under construction residential properties sold by local and overseas developers Purchase completed and under construction residential properties sold by local and overseas developers as well as subsale
Refinancing N/A Yes, without cash out
Loan Tenure Minimum 5 years
Maximum 30 years or age 70, whichever is earlier
Margin of Advance (MOA) Up to 70% + max 5% (MRTA/CLTA) Up to 80% + max 5% (MRTA/CLTA)
Minimum Loan Amount RM500,000.00 per application (including MRTA/CLTA) RM800,000.00 per application (including MRTA/CLTA)
Maximum Loan Amount RM5,000,000.00 per application (including MRTA/CLTA) RM18,000,000.00 per application (including MRTA/CLTA)

Eligibility

Malaysia Residents only*

Individuals aged
18 years and above

Single and
joint applicants
(up to 2 applicants only)

Exclusively for
RHB Premier Banking Customers only

*Refer to FAQs for eligibility for Malaysia Residents

Supporting Documents Required Along
With Your Home Loan Application
Salaried Applicant

Salaried Applicant

  • NRIC photocopy
  • Latest 3 months salary slip*
  • Latest 3 months salary crediting statement*
  • Latest EPF statement
  • Latest BE Form + Tax payment receipt
  • Sales & Purchase Agreement / Booking receipt
Download Checklist
Self-Employed Applicant

Self-Employed Applicant

  • NRIC photocopy
  • Sole Proprietor & Partnership – Borang A & D
  • Private Limited – Form 24 & 49
  • Latest Form B + Tax payment receipt
  • Latest 6 months current account statement
  • Sales & Purchase Agreement / Booking receipt
Download Checklist

*Note: The Bank may require up to 6 month of income statements if the income comprises of variable components.

Credit Related Insurance
Enjoy peace of mind with the financing options of MRTA/CLTA at up to 5% of your property value.

Group Mortgage Reducing Term Assurance (GMRTA)

Get reducing coverage for the Life Assured in the event of death or Total and Permanent Disability (TPD). When a claim is filed, the applicable sum assured goes towards the repayment of the outstanding mortgage loan.

 

Benefits & privileges:

  • Protection against death and TPD

  • An additional 20% of the sum assured in the event of accidental death

  • Early Loan Settlement Benefit

  • Flexible sum assured and flexible term

  • 24 hours coverage worldwide

  • Optional Rider: Family Income Benefit (FIB) Rider to get an extra 1% of the initial sum assured for 12 consecutive months after the claim is admitted

 

Coverage details

 Sum Covered

 Coverage Term

Minimum:
RM5,000

Maximum:
No limit (subject to underwriting assessment)

Until individual’s 70 nearest birthday

 

Eligibility:

Individuals aged 18 - 65 nearest birthday



Detailed Product Information

Product Disclosure Sheet - English
Product Disclosure Sheet - BM
Bancassurance Service Guide

 

 

Tokio Marine Life Insurance Malaysia Bhd. is a member of PIDM. The benefit(s) payable under eligible certificate of insurance is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).

Group Credit Level Term Assurance (GCLTA)

Get levelled protection for the Life Assured in the event of death or Total and Permanent Disability (TPD). When a claim is filed, the applicable sum assured goes towards the repayment of the outstanding mortgage loan.

 

Benefits & privileges:

  • Protection against death and TPD

  • Early Loan Settlement Benefit

  • Flexible sum assured and flexible term

  • 24 hours coverage worldwide

  • No maximum sum assured (subject to underwriting)

  • Coverage until one’s 70th birthday

 

 

 

Coverage details

Sum Covered Coverage Term

Minimum:
RM100,000

Maximum:
No limit (subject to underwriting assessment)

 Until individual’s 70 nearest birthday

 

Eligibility:

Individuals aged 18 - 65 nearest birthday

 

 

Detailed Product Information

Product Disclosure Sheet - English
Product Disclosure Sheet - BM
Bancassurance Service Guide

 

 

Tokio Marine Life Insurance Malaysia Bhd. is a member of PIDM. The benefit(s) payable under eligible certificate of insurance is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Tokio Marine Life Insurance Malaysia Bhd. or PIDM (visit www.pidm.gov.my).

Disclaimer:
The information contained herein is strictly meant to be as general information and reference for the campaign promotion only. It does not constitute a contract of insurance. For further details on the benefits, exclusion and terms and conditions of the product, please refer to the Product Brochure, Sales Illustration, Product Disclosure Sheet (PDS) and policy contract. Underwritten by Tokio Marine Life Insurance Malaysia Berhad, RHB Bank is merely acting as a distributor.

Terms and Conditions - English
Terms and Conditions - BM
Product Disclosure Sheet
Frequently Asked Questions (FAQ)
No, only Malaysians or Malaysian residents who are not a permanent resident or citizen of the UK and Australia are allowed.
  • For Australia, it must be direct purchase from the developer.
  • For the UK, under construction/completed properties, secondary market/sub-sale and refinancing without cash out is allowed.
  • In Australia, properties should primarily be located within 30km of the Central Business District (CBD) in Melbourne or Sydney.
  • In the UK, properties should primarily be located within Zones 1 to 3 of London.
Optional.
Yes, fire insurance must be renewed annually, and a copy should be submitted to the Bank.
No, financing of legal and valuation fees are not available.
No, the housing loan offered is denominated in Ringgit Malaysia (MYR).
The Bank will only disburse the loan in one lump sum upon completion of property.
The Bank will only finance residential properties larger than 50 square metres, either freehold or leasehold, with a remaining lease of at least 70 years at the time of loan approval.
Refinancing is not applicable for properties in Australia. However, it is available for UK properties - subject to a no cash-out policy.
If the AUD or GBP weakens against the MYR, resulting in an increased loan-to-value (LTV) ratio, a margin call may be triggered. Should the LTV exceed the Bank’s tolerance level, you will be required to top up the shortfall by reducing principal outstanding.
  • Malaysian residents without domestic ringgit borrowings is allowed to invest in Foreign Currency Asset up to any amount.
  • Malaysian residents with domestic Ringgit borrowings may invest in Foreign Currency Assets of any amount only if the investment is in real estate* outside Malaysia for education, employment, or migration purposes.

    * Real estate must be for the resident’s own or immediate family member’s accommodation.
  • Malaysian residents with domestic Ringgit borrowings may invest up to RM1 million equivalent per calendar year in foreign currency assets, funded through Ringgit conversion, Trade Foreign Currency Accounts (FCA), or swapping Ringgit-denominated financial assets for those in Labuan or abroad.
  • In the UK, generally there are no restrictions on foreigners buying property.
  • In Australia, foreign buyers are required to obtain prior approval from the Foreign Investment Review Board (FIRB) before proceeding with the property acquisition.
  • Yes you may instruct the Bank to initiate an early release when the exchange rate is favourable to you.
  • You will be required to deposit the differential sum with the Bank or the solicitor. The Bank will then perform the loan drawdown and earmark the funds in your Multi-Currency Account (MCA) until the property is fully completed.
  • Upon completion, the Bank will uplift the earmarked amount from the MCA and remit it to the appointed solicitor in Australia or the UK.
Soalan Lazim
Tidak, hanya rakyat Malaysia atau pemastautin Malaysia yang bukan pemastautin tetap atau warganegara UK dan Australia dibenarkan.
  • Untuk Australia, pembelian mestilah secara langsung daripada pemaju.
  • Untuk UK, hartanah dalam pembinaan/siap, pasaran sekunder/sub-jualan dan pembiayaan semula tanpa pengeluaran tunai adalah dibenarkan.
  • Di Australia, hartanah seharusnya terletak dalam lingkungan 30km dari Central Business District (CBD) di Melbourne atau Sydney.
  • Di UK, hartanah seharusnya terletak dalam Zon 1 sehingga 3 London.
Pilihan.
Ya, insurans kebakaran mesti diperbaharui setiap tahun, dan salinan hendaklah diserahkan kepada pihak Bank.
Tidak, pembiayaan untuk fi guaman dan penilaian tidak disediakan.
Tidak, pinjaman perumahan yang ditawarkan adalah dalam mata wang Ringgit Malaysia (MYR).
Pihak Bank hanya akan membuat pembayaran sekaligus selepas hartanah siap sepenuhnya.
Pihak Bank hanya membiayai hartanah kediaman yang berkeluasan melebihi 50 meter persegi, sama ada pegangan bebas atau pajakan dengan tempoh pajakan yang berbaki sekurang-kurangnya 70 tahun pada masa kelulusan pinjaman.
Pembiayaan semula tidak dibenarkan untuk hartanah di Australia. Walau bagaimanapun, ia dibenarkan untuk hartanah UK—tertakluk pada polisi tanpa pengeluaran tunai.
Jika AUD atau GBP menyusut berbanding MYR dan menyebabkan nisbah pinjaman kepada nilai hartanah (LTV) meningkat, pihak Bank mungkin akan mengaktifkan panggilan margin (margin call). Sekiranya LTV melebihi tahap toleransi pihak Bank, anda dikehendaki menampung kekurangan tersebut dengan mengurangkan baki prinsipal pinjaman.
  • Residen Malaysia tanpa pinjaman dalam Ringgit domestik dibenarkan untuk melabur dalam Aset Mata Wang Asing tanpa had.
  • Residen Malaysia dengan pinjaman dalam Ringgit domestik juga dibenarkan melabur dalam Aset Mata Wang Asing tanpa had jika pelaburan tersebut melibatkan hartanah* di luar negara untuk tujuan pendidikan, pekerjaan atau penghijrahan.

    *Hartanah tersebut mestilah untuk penginapan sendiri atau ahli keluarga terdekat.
  • Residen Malaysia dengan pinjaman dalam Ringgit domestik juga dibenarkan untuk melabur sehingga RM1 juta setahun dalam aset mata wang asing, yang dibiayai melalui penukaran Ringgit, Perdagangan Akaun Mata Wang Asing (FCA), atau pertukaran aset kewangan dalam Ringgit kepada aset kewangan di Labuan atau luar negara.
  • Di UK, secara amnya tiada sekatan ke atas warga asing membeli hartanah.
  • Di Australia, pembeli asing dikehendaki mendapatkan kelulusan terlebih dahulu daripada Lembaga Kajian Pelaburan Asing (FIRB) sebelum meneruskan pembelian hartanah.
  • Ya, anda boleh mengarahkan pihak Bank untuk membuat pengeluaran awal apabila kadar pertukaran menguntungkan kepada anda.
  • Anda dikehendaki mendepositkan jumlah perbezaan dengan pihak Bank atau peguam. Pihak Bank kemudiannya akan melaksanakan pengeluaran pinjaman dan mengkhaskan dana dalam Multi Currency Account (MCA) sehingga hartanah itu siap sepenuhnya.
  • Setelah hartanah siap, pihak Bank akan membuka sekatan jumlah yang telah dikhaskan dari MCA dan mengirimkannya kepada peguam yang dilantik di Australia atau UK.

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