+6010-765 9168 
ianchenbusiness@gmail.com 
Frequently Asked Questions (FAQ)
General Buying Property Questions
Buying a property in Johor Bahru is simple with the right guidance. The key steps include:
1.Identify your budget & loan eligibility
2.Shortlist property (new launch / sub-sale)
3.Pay booking fee & sign Letter of Offer
4.Sign Sale & Purchase Agreement (SPA)
5.Apply for loan & legal process
6.Key handover / completion
At Ian Chen Property, we guide you step by step to ensure a smooth process.
1.Identify your budget & loan eligibility
2.Shortlist property (new launch / sub-sale)
3.Pay booking fee & sign Letter of Offer
4.Sign Sale & Purchase Agreement (SPA)
5.Apply for loan & legal process
6.Key handover / completion
At Ian Chen Property, we guide you step by step to ensure a smooth process.
You will need:
-Copy of IC / Passport
-Latest 3 months’ payslip & bank statement
-EPF statement / income tax form (for loan)
-Booking form & SPA documents
Our team helps prepare and submit all documents correctly to speed up approval.
-Copy of IC / Passport
-Latest 3 months’ payslip & bank statement
-EPF statement / income tax form (for loan)
-Booking form & SPA documents
Our team helps prepare and submit all documents correctly to speed up approval.
Yes, foreigners can buy property in Johor Bahru, subject to state regulations. The minimum purchase price is RM1 million (varies by property type & location). Popular choices include condos, serviced apartments, and landed homes in international zones.
Freehold: You own the land & property indefinitely.
Leasehold: Ownership is limited (commonly 99 years) and requires renewal upon expiry.
Most buyers prefer freehold for long-term value, but leasehold properties are often more affordable.
Leasehold: Ownership is limited (commonly 99 years) and requires renewal upon expiry.
Most buyers prefer freehold for long-term value, but leasehold properties are often more affordable.
👉 Legal fees, stamp duty, MOT, valuation fees. We provide a clear cost breakdown.
👉 Normally 10% of property price. Some developers offer rebates & flexible schemes.
👉 Yes, first-time buyers usually qualify. Second/third homes may get 70–80%.
👉 Usually 3–6 months from booking to key handover, depending on property type.
👉 New launch offers rebates & modern design. Sub-sale offers immediate move-in. Depends on your needs.
👉 Yes, EPF Account 2 can be withdrawn for down payment or loan repayment.
Property Investment in Johor Bahru
👉 Yes, strong growth due to RTS Link, High-Speed Rail, and proximity to Singapore.
👉 CIQ, Tebrau/Mount Austin, Medini, Permas Jaya, Stulang.
👉 Condo yield ranges 4–6%. Strategic locations near CIQ or universities may reach 7–8%.
👉 Landed offers capital appreciation. High-rise offers higher rental demand.
👉 RTS Link completion in 2026 is expected to boost nearby property values significantly.
👉 Yes, first-home schemes like My First Home (Skim Rumah Pertamaku) and stamp duty exemptions.
👉 Market fluctuations, foreigner restrictions, oversupply in certain areas. Trusted agents help you choose wisely.
👉 ROI = Annual Rental Income ÷ Property Price × 100%. We help you evaluate each deal.
👉 Yes, many Singaporeans prefer JB rental due to lower cost and RTS connectivity.
👉 Work with a trusted real estate agent JB who provides proper pricing, staging, and marketing.
Financing & Loan Question
👉 Based on Debt Service Ratio (DSR), monthly income, and credit history.
👉 Around 3.5%–4.5% (varies by bank & package).
👉 Yes, with proper income proof (bank statements, tax returns, business docs).
👉 Up to 35 years or until age 70, whichever comes first.
👉 Yes, but margin of finance may be lower (60–70%).
Renting & Tenancy
👉 Agents help market, screen tenants, and prepare tenancy agreements.
👉 Rental amount, duration, deposit, utilities, and repair responsibilities.
👉 Usually 2 months’ rent + 0.5 month utilities.
👉 Possible for condos that allow it, but check building rules.
👉 Repair costs can be deducted from deposit. A clear tenancy agreement protects owners.
