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.
Rates indicative as of 2026, subject to bank quotation and your profile.
| Bank | Effective Rate (p.a.) | Max Margin | Max Tenure | Speciality |
|---|---|---|---|---|
| Maybank | 4.85% – 5.60% | 90% | 30 yrs | Strong SME factory desk |
| CIMB | 4.90% – 5.75% | 90% | 30 yrs | Competitive on commercial |
| Public Bank | 4.80% – 5.50% | 85% | 25 yrs | Conservative but stable |
| Hong Leong | 4.95% – 5.80% | 90% | 30 yrs | Fast SME approval |
| RHB | 4.90% – 5.70% | 85% | 25 yrs | Strong on warehouse loans |
| AmBank | 5.00% – 5.85% | 80% | 25 yrs | Flexible on industrial |
| Affin | 4.95% – 5.75% | 80% | 25 yrs | Good for older properties |
| UOB | 4.90% – 5.70% | 85% | 30 yrs | Singapore-MY cross-border |
| HSBC | 5.10% – 5.95% | 80% | 25 yrs | Foreign buyer friendly |
| OCBC | 5.00% – 5.80% | 80% | 25 yrs | SG-linked commercial deals |
Use our calculator to estimate the monthly payment based on price, margin and tenure.
Try the Factory Loan Calculator →For SME-grade commercial / industrial property loans in 2026, banks quote roughly 4.80%–5.95% p.a. effective, depending on margin, tenure, property age and borrower profile.
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%.
Standard maximum is 25-30 years, capped at age 65-70 of the borrower. Sdn Bhd borrowers may negotiate longer tenure on strong financials.
No, these are indicative market ranges as of 2026. Actual quotes depend on the bank, your application, the property valuation, and current BNM OPR. We can connect you with a commercial mortgage broker.
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