Commercial Property & Factory Loan Rates in Malaysia (2026)
Buying a factory, warehouse or commercial property in Malaysia? Interest rates, margin of financing and loan tenure differ from residential housing loans. This page summarises the typical commercial property loan rates from major Malaysian banks for industrial and SME buyers, and points you to the right next step.
We deliberately do not publish fixed rates here. Every bank prices every case differently depending on company financials, collateral, loan size, property age and your industry, so a single headline number would not help you and could easily mislead. If you want to know what your case can actually get, we introduce you directly to the bankers we work with.
| Bank | Max Margin | Max Tenure | Speciality |
|---|---|---|---|
| Maybank | 90% | 30 yrs | Strong SME factory desk |
| CIMB | 90% | 30 yrs | Competitive on commercial |
| Public Bank | 85% | 25 yrs | Conservative but stable |
| Hong Leong | 90% | 30 yrs | Fast SME approval |
| RHB | 85% | 25 yrs | Strong on warehouse loans |
| AmBank | 80% | 25 yrs | Flexible on industrial |
| Affin | 80% | 25 yrs | Good for older properties |
| UOB | 85% | 30 yrs | Singapore-MY cross-border |
| HSBC | 80% | 25 yrs | Foreign buyer friendly |
| OCBC | 80% | 25 yrs | SG-linked commercial deals |
Want to know what your case can actually get?
Tell us about the property and your company, and we will introduce you to the bankers we work with. They assess your file and take it to several banks at once, which is far faster than approaching each bank yourself.
WhatsApp usWhat affects your commercial loan rate?
- Property type, factories and warehouses get different rates from shoplots or offices.
- Property age, newer buildings attract better margin; older units may need bigger down payment.
- Borrower profile, Sdn Bhd vs individual, company financials, DSR, existing commitments.
- Loan amount + tenure, larger loans and longer tenure often get better effective rate.
- Margin requested, 90% margin almost always pays a premium vs 70-80%.
- BNM OPR + bank BLR/BR, base rate moves with the central bank policy rate.
Typical commercial vs residential loan differences
- Margin: commercial typically caps at 80-90% (residential up to 95%).
- Tenure: commercial usually 25-30 yrs max (residential up to 35).
- Rate premium: commercial is roughly 0.3-0.8% higher p.a. than the equivalent residential housing loan.
- Legal fees + stamp duty: same scale as residential, but on larger transaction values.
- Lock-in: typically 3-5 years; early redemption penalty is real.
Plan your monthly installment
Use our calculator to estimate the monthly payment based on price, margin and tenure.
FAQ
What interest rate will I get on a factory loan in Malaysia?
There is no single answer. Pricing depends on your company financials, collateral, loan size, tenure, property age and industry, and different banks quote the same borrower differently. Rather than work from a generic number, let a banker price your actual case. We can introduce you to the bankers we work with, who take your file to several banks at once for comparison.
Can I get 90% margin on a factory loan?
Yes, Maybank, CIMB, Hong Leong typically go up to 90% margin for newer factories under specific SME schemes. Older units or non-standard properties may cap at 70-80%.
How long can I take a commercial property loan in Malaysia?
Standard maximum is 25-30 years, capped at age 65-70 of the borrower. Sdn Bhd borrowers may negotiate longer tenure on strong financials.
Can you help me find a bank?
Yes. The bankers we work with know industrial property specifically, including which banks are more comfortable with which building types and borrower structures. Tell us your situation and we introduce you, so they assess and quote you directly instead of you approaching banks one by one.
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