What to expect
Margins are usually lower than residential, documentation heavier, and bank appetite narrower. We clarify whether you should apply in personal name, company name, or a mix - and which banks still like the asset type.
Investors comparing yield should also use the cashflow & yield calculator.
As of Oct 2026: BNM OPR 3.00%; SBR 2.75%. Typical packaged home-loan rates we see in market range roughly SBR + 0.80% to SBR + 1.75% (about 3.55%–4.50% p.a.), subject to profile and bank. RMS2U has secured as low as 3.55% p.a. for eligible clients. Figures drift - WhatsApp Janice for a live check.
Related
FAQ
Can rental income support a commercial loan?
Sometimes, subject to bank haircuts, tenancy quality and your overall leverage. We stress-test before submitting.