Investors building a corridor portfolio almost always hit the same wall on the third unit: the bank will only finance 70% of it. That single rule reshapes your cash plan — and the buyers who plan for it early move faster and cleaner than those who discover it at the loan stage.打造走廊投资组合的投资者，几乎总在第三套单位上撞到同一面墙：银行只为它融资 70%。这一条规则，会重塑你的现金计划 — 而早早为它做准备的买家，比那些在贷款环节才发现它的人，行动更快、更利落。Pelabur yang membina portfolio koridor hampir selalu terlanggar dinding sama pada unit ketiga: bank hanya membiayai 70%. Satu peraturan itu membentuk semula pelan tunai anda — pembeli yang merancang awal bergerak lebih pantas.
Bank Negara Malaysia's macroprudential ruling caps the loan-to-value at 70% from your third outstanding housing loan onward — meaning a 30% down payment plus costs in cash. It's been in force since 2014. Stamp duty (Stamp Act 1949) and, on later sale, RPGT still apply. Confirm your loan count with your banker.国家银行（BNM）的宏观审慎规定，将贷款成数上限定为 70%，自你第三笔未结清房贷起 — 即需 30% 首付外加现金支付的费用。该规定自 2014 年起生效。印花税（《1949 法令》）及日后卖出时的 RPGT 仍适用。请与你的银行核对贷款笔数。Peraturan makroprudential Bank Negara Malaysia mengehadkan LTV pada 70% dari pinjaman perumahan ketiga anda — bermakna pendahuluan 30% tambah kos tunai. Berkuat kuasa sejak 2014. Duti setem dan RPGT masih terpakai.
01What 70% means in cash70% 换算成现金是多少Apa 70% bermakna dalam tunai
On a RM 600,000 third unit, the bank lends RM 420,000 and you bring RM 180,000 — before legal fees, valuation and the buyer's stamp duty. That's a different conversation from your first purchase at 90% financing, and it's why the third move should be planned a year ahead, not decided at the showroom.一套 RM60 万的第三套单位，银行借 RM42 万，你拿出 RM18 万 — 这还没算律师费、估价与买方印花税。这跟你第一套享 90% 融资完全是两回事，也正因如此，第三步应提前一年规划，而非在售楼处当场拍板。Pada unit ketiga RM 600,000, bank pinjam RM 420,000 dan anda bawa RM 180,000 — sebelum yuran guaman, penilaian dan duti setem pembeli. Itu perbualan berbeza daripada pembelian pertama pada 90%, sebab itu langkah ketiga dirancang setahun awal.
02Plan around it, three ways三种围绕它规划的方式Rancang mengelilinginya, tiga cara
- Stage your cash. Know the 30% number early and build the deposit before you commit.分阶段备现金。早早算清 30% 的数字，在下定之前把首付攒够。Atur tunai anda. Ketahui nombor 30% awal dan bina deposit sebelum komited.
- Stress the instalment. Model repayments above today's rate so a hike doesn't squeeze you.压测月供。按高于当前利率测算还款，让加息不至于把你挤垮。Tekan ansuran. Model bayaran atas kadar hari ini supaya kenaikan tidak menghimpit.
- Count your loans correctly. Settled or jointly-held loans can change where the cap bites.正确计算贷款笔数。已结清或联名贷款，可能改变上限从哪一笔开始生效。Kira pinjaman dengan betul. Pinjaman selesai atau bersama boleh ubah di mana had berkuat kuasa.
The cap isn't a reason to stop at two — corridor investors do build past it all the time. It's a reason to treat the third purchase as a cash-flow exercise first and a property decision second.这个上限并不是让你止步于两套的理由 — 走廊投资者一直在突破它。它只是提醒你：把第三套购房，先当作一道现金流题，再当作一个房产决定。Had ini bukan sebab berhenti pada dua — pelabur koridor sentiasa membina melepasinya. Ia sebab melayan pembelian ketiga sebagai latihan aliran tunai dahulu, keputusan hartanah kemudian.
Planning a third (or fourth) unit?在规划第三（或第四）套？Merancang unit ketiga (atau keempat)?
I'll model the 70% financing, the cash you'll actually need, and the stress-tested instalment before you commit — REN 63353, under IQI Realty. WhatsApp me your target price.在你下定之前，我会测算 70% 融资、你实际需要的现金，以及压测后的月供 — REN 63353，IQI Realty 旗下。把目标价 WhatsApp 给我。Saya akan model pembiayaan 70%, tunai sebenar diperlukan, dan ansuran tertekan sebelum anda komited — REN 63353. WhatsApp harga sasaran.