Commercial property loans
Commercial property loans finance shop lots, shop offices and offices, for investors and for businesses buying their own premises.
Compared with home loans, banks usually lend a lower share of the price over a shorter tenure, and business borrowers are often assessed on company financials and may be priced on the bank’s Base Rate or Base Financing Rate rather than the Standard Base Rate.
- Packages
- 54
- Lenders
- 18
- Published margins
- 80–150%
- Max tenure
- 20–35 yrs
| Bank / package | Rate | Lock-in | Margin | Action |
|---|---|---|---|---|
| OCBC MalaysiaCommercial Property Loan (individuals)ConventionalSemi flexi | 4.25%SBR + 1.50% (PDS illustration, Jan 2026) | — | 85% | |
| CIMBBusiness Premises LoanConventionalTerm (non-flexi) | 4.30%BLR − 2.30% (PDS illustration, Jul 2026) | 3 yrs | — | |
| Public BankSWIFT PlanConventional | 4.30%SBR + 1.55% (PDS illustration, 2026) | None | — | |
| UOB MalaysiaIntelligent Retail Loan (iRL)ConventionalSemi flexi | 4.36%SBR + 1.61% (PDS illustration, Dec 2025) | — | 85% | |
| Bank IslamBiz Smart Property Financing ProgramIslamic | 4.37%BFR − 2.10% (PDS illustration, Apr 2026); ceiling 15% | None | — | |
| CIMBFlexi Business Premises Financing-iIslamicFull flexi | 4.70%BFR − 1.90% (PDS illustration, Jan 2026); ceiling 15% | 5 yrs | — | |
| BSNCommercial Property (Hartanah Komersial)ConventionalTerm (non-flexi) | 4.75%SBR + 2.00% (RM100k+, PDS Jul 2025) | — | 85% | |
| BSNCommercial Property-iIslamicTerm (non-flexi) | 4.75%SBR + 2.00% (RM100k+, bank page) | — | 85% | |
| Bank RakyatHome Financing-i (Commercial)Islamic | 5.00%As low as SBR + 2.25% with MRTT (bank page) | — | 90% | |
| CIMBSME Biz PropertyConventionalTerm (non-flexi) | 6.60%BLR-pegged (PDS illustration at BLR 6.60%, Jan 2026) | 3 yrs | 90% | |
| Alliance BankBusiness Premise Financing-iIslamicSemi flexi | 6.88%BFR + spread (PDS illustration, Dec 2025); ceiling 10% | — | — | |
| OCBC MalaysiaAl-Amin Term Financing-iIslamicTerm (non-flexi) | 7.51%BFR + 1.00% (PDS illustration, Jun 2026); ceiling 20% | — | — |
OCBC Malaysia
Commercial Property Loan (individuals)4.25%
ConventionalSemi flexi· Lock-in — · Margin 85%
4.30%
ConventionalTerm (non-flexi)· Lock-in 3 yrs · Margin —
Public Bank
SWIFT Plan4.30%
Conventional· Lock-in None · Margin —
UOB Malaysia
Intelligent Retail Loan (iRL)4.36%
ConventionalSemi flexi· Lock-in — · Margin 85%
Bank Islam
Biz Smart Property Financing Program4.37%
Islamic· Lock-in None · Margin —
4.70%
IslamicFull flexi· Lock-in 5 yrs · Margin —
ConventionalTerm (non-flexi)· Lock-in — · Margin 85%
4.75%
IslamicTerm (non-flexi)· Lock-in — · Margin 85%
Bank Rakyat
Home Financing-i (Commercial)5.00%
Islamic· Lock-in — · Margin 90%
CIMB
SME Biz Property6.60%
ConventionalTerm (non-flexi)· Lock-in 3 yrs · Margin 90%
Alliance Bank
Business Premise Financing-i6.88%
IslamicSemi flexi· Lock-in — · Margin —
OCBC Malaysia
Al-Amin Term Financing-i7.51%
IslamicTerm (non-flexi)· Lock-in — · Margin —
Rates are the figures each bank publishes; “On request” means it doesn’t publish one. Estimate only — the bank decides the final rate and approval.
Rates shown are the examples or “as low as” figures each bank publishes on its product page or Product Disclosure Sheet; “On request” means the bank doesn’t publish one. Your actual rate depends on your profile, loan size and lock-in, and is set when you’re approved.Checked 22 October 2026. EstateBuds doesn’t give financial advice; confirm terms with the bank before applying.
Government guarantee schemes for SMEs
These aren’t loans. A government guarantor covers part of a bank’s financing, which can help a business qualify. Ask the bank whether your property purchase is eligible.
- Government Guarantee Scheme MADANI 2026 (GGSM4) (SJPP)
Guarantees 70–80% of new SME financing for working capital and capex, up to RM20 million per SME; banks’ rates are capped at BLR/BFR + 2.0%. Applications close 30 June 2027. Not for refinancing.
- BizJamin / BizJamin-i 2.0 (CGC)
Guarantees 30–80% of SME financing (up to RM5 million guaranteed), including asset acquisition and refinancing; banks’ rates up to BFR + 2.00%.
- BizJamin Bumi / Bumi-i 2.0 (CGC)
The Bumiputera SME version: guarantees 30–90%, up to RM5 million per SME.
Checked 2026-10-21 on the scheme websites.
Questions people ask
Which lenders offer commercial property loans?
18 lenders: OCBC Malaysia, CIMB, Public Bank, UOB Malaysia, Bank Islam, BSN, Bank Rakyat, Alliance Bank, Affin Bank, AmBank, Bank Muamalat, Bank Pembangunan Malaysia, HSBC Malaysia, Hong Leong Bank, MBSB Bank, Maybank, RHB, Standard Chartered Malaysia.
What is the lowest published rate?
4.25% for OCBC Malaysia Commercial Property Loan (individuals) (SBR + 1.50% (PDS illustration, Jan 2026)). 42 of 54 packages don’t publish a rate.
How much will the bank finance?
Published maximum margins for these packages range 80–150% of the property value; your offer depends on the valuation and your profile.
Is a commercial property loan different from a home loan?
Usually yes: lower margins, shorter tenures, and assessment on rental income or business cash flow. The table above shows what each bank publishes.
Can a company buy commercial property with a bank loan?
Yes. Several packages here are for business borrowers; banks typically ask for company financial statements and may require director guarantees.