PROPERTY CROWDFUNDING IN MALAYSIA: WHAT YOU NEED TO KNOW (2025 GUIDE)

Want to invest in real estate without buying an entire property? Property crowdfunding in Malaysia is gaining traction in 2025. This 2025 guide shows how property crowdfunding in Malaysia works. Learn the risks, rewards, and how to pick the best platform.

1.0 Introduction

Property crowdfunding in Malaysia is revolutionizing the way individuals invest in real estate. For many years, property investment has helped people grow their money safely.

But for many Malaysians, the high cost of property ownership is a major barrier. Now, regular people can invest in real estate easily. Property crowdfunding lets them start with little money and less trouble.

Who Should Read This?

This guide is ideal for:

• First-time property investors
• Millennials and Gen Z looking for low-cost options
• Busy professionals who want passive income
• Malaysians curious about SC-regulated fintech investments

2.0 What is Property Crowdfunding?

Understanding Property Crowdfunding

Property crowdfunding allows multiple people to invest in a real estate project together. You don’t need to buy a whole property. Many people chip in small amounts – some start with just RM1,000. Profits, such as rental income or resale gains, are then shared among investors. This way, anyone can invest in property without getting a loan or managing tenants.

How does It Work in Malaysia?

Here’s how it typically works:

• Sign up on a licensed crowdfunding platform
• Browse investment opportunities, such as residential, commercial, or development projects.
• Choose a project that suits your goals and risk level.
• Invest a small amount—usually RM1,000 to RM5,000.
• Make money from rent payments, property sales, or combine both ways.
• Exit the investment once the project concludes (typically 1–5 years).

Most platforms manage the property, collect rent, handle maintenance, and deal with tenants. As an investor, you track performance and receive updates through your online dashboard.

Malaysia’s Securities Commission (SC) approves all platforms. This protects investors and enforces the rules.

Key Benefits for Malaysians

Why consider crowdfunding?

• Low Entry Cost – Beginners can start with RM1,000. It’s perfect for those who don’t have much money to invest.
• Diversify Easily – Spread money across multiple property types
• No Landlord Duties – Skip tenants, repairs, or property taxes
• Liquidity Options – Some platforms offer secondary markets or fixed-term exits
• Regulated Environment – SC oversight ensures credibility
• Growing Market – Urban development and a rising middle class
• Digital Process – Everything from registration to tracking returns is done online.

As home prices climb, crowdfunding lets you invest without huge cash.

3.0 Choosing the Right Platform

Looking for the best property crowdfunding platforms in Malaysia? We’ve reviewed the top options for 2025 based on returns, user experience, and regulation.

User Experience and Support

A smooth, intuitive interface is crucial—especially for new users.

Look for:

• Mobile-Friendly Platforms – Modern apps or websites
• Clear Dashboards – Easy-to-read earnings, timelines, and updates
• Learning Resources – FAQs, guides, and tutorials to help you get started

Strong customer support adds peace of mind:

• Live chat and email assistance
• Quick onboarding and document verification
• Active social media and webinars

The right platform makes investing feel simple, not stressful.

Additional Features to Consider

• Auto-invest Options – Automatically invest in pre-set projects
• Community Forums – Engage with fellow investors
• Performance Tracking Tools – Real-time charts and reports

4.0 Top Property Crowdfunding Platforms in Malaysia (2025)

Overview of the Local Scene

In 2025, property crowdfunding keeps growing in Malaysia’s fintech scene. Key trends include:

• Broader asset options, including ESG-aligned and co-living properties
• More transparent project vetting and documentation
• Enhanced mobile features and dashboards
• Global partnerships and cross-border access

Below are some of the standout platforms:

FundMyHome

• Summary: Malaysia’s pioneer platform, supported by EdgeProp and local banks
• Min Investment: RM5,000
• Returns: Capital gains after 5 years
• Highlights:
  • Government-backed pilot programs
  • Residential housing focus
  • Co-investment with banks
• Pros:
  • Simple long-term structure
  • Trusted founding partners
• Cons:
  • No rental income option
  • Locked in for 5 years

PitchIN Real Estate

• Summary: Known for equity crowdfunding; now branching into property
• Min Investment: RM1,000
• Returns: Mix of rental income and appreciation
• Highlights:
  • User-friendly dashboard
  • Many asset classes
  • SC-regulated
• Pros:
  • Low barrier to entry
  • Track record in crowdfunding
• Cons:
  • Limited property portfolio (new vertical)

PropCrowd

• Summary: Steady income from commercial/residential projects
• Min Investment: RM1000
• Returns: 8%-15% p.a. (rental income + capital appreciation)
• Highlights:
  • Commercial/residential projects
  • Co-ownership
• Pros:
  • Low entry
  • Diversification
  • Passive rental income
• Cons:
  • Market dependent
  • Management fees
  • illiquid

EstatePlus

• Summary: Newer platform, support Shariah Compliant
• Min Investment: RM500
• Returns: 6%-12% p.a. (rental + profit sharing)
• Highlights:
  • Fractional investments in residential
  • Short-term rentals
• Pros:
  • Low entry
  • Flexible options
  • User-friendly
• Cons:
  • New platform
  • Low liquidity

CoreInvest

• Summary: Property Development Projects 
• Min Investment: RM5000
• Returns: 10%-18% p.a. 
• Highlights:
  • High-Yield Developments
• Pros:
  • High potential returns 
  • Professional management  
• Cons:
  • High risk  
  • Long lock-in (2-5 years) 
  • Large minimum investment

Comparison Table of Property Crowdfunding Platforms in Malaysia (2025)

Malaysian fintech real estate platforms are revolutionizing how locals access property investing.

5.0 What to Look for in a Platform?

Regulation

Only use SC-regulated crowdfunding platforms in Malaysia. Your money stays safe with solid returns.

Investment Minimums and Fees

• Entry levels range from RM1,000–RM5,000
• Understand fee structures (platform fees, exit charges, etc.)
• Some platforms reinvest returns or offer dividend payouts

Advice: Diversify small amounts across several projects instead of going all-in on one.

Track Record and Transparency

Choose platforms that:

• Regularly update investors with progress reports
• Provide historical data
• Disclose sponsor details and exit strategies

Transparency builds trust and helps you make better decisions.

6.0 Know the Risks of Property Crowdfunding in Malaysia

Like any investment, property crowdfunding carries risks. These may include:

• Delayed or missed rental payments
• Difficulty reselling the property
• Project cancellations or delays
• Lack of liquidity — you can’t withdraw funds anytime
• Market Fluctuations: Property values can decline, affecting returns.
• Pick a reliable platform: Good management and honesty affect your investment results.
• Regulatory Changes: Shifts in laws or regulations can impact investment structures and returns.

You must be comfortable with tying up your capital for 12–60 months. If flexibility is your top priority, this might not be the right fit.

7.0 How to Start Investing?

Who Can Join?

To start, you’ll need:

• Malaysian citizenship or residence
• Age 18 or above
• Completed KYC (Know Your Customer) checks

Step-by-Step Onboarding:

1. Compare Platforms – Read reviews, compare returns
2. Register Online – Sign up via app or web
3. Submit Documents – Provide IC and utility bill
4. Browse Projects – Choose based on goals and risk
5. Make Payment – Transfer via bank or FPX
6. Receive Shares – Track ownership via dashboard
7. Track Performance – Check returns, updates, and exit plans

Pro Tip: Start with one or two small projects to get used to the system.

8.0 Legal and Tax Considerations

Do You Need to Pay Tax?

Yes. You must report all crowdfunding earnings (from rent or sales) as ‘other income’ on your LHDN taxes.

Is Capital Gains Tax Applicable?

Malaysia usually doesn’t tax profits from property sales. But if you sell too quickly, RPGT rules may apply. Still, your tax may vary depending on the platform’s legal structure.

Will You Get Tax Documents?

Most licensed platforms provide annual income reports to help you file taxes. If unsure, consult a tax advisor.

9.0 FAQ

Is property crowdfunding legal in Malaysia?

Yes, property crowdfunding is legal and regulated by the Securities Commission Malaysia. Only platforms licensed under the RMO framework can operate legally.

What is the minimum investment for property crowdfunding in Malaysia?

Minimum investments range from RM1,000 to RM5,000, depending on the platform and project type.

10.0 Final Thoughts

Is Crowdfunding Right for You?

Crowdfunding offers cheap, easy property investing. Ideal for:

• Beginner investors
• Time-poor professionals
• Malaysians seeking alternatives to traditional property

But be aware:

• These are not liquid investments
• Returns are not guaranteed
• Risks are real

What’s Ahead of Property Crowdfunding in Malaysia (2025)?

Malaysia’s property crowdfunding sector is maturing:

• More platforms licensed by SC
• Better project curation
• Wider public trust

You no longer need to buy a full property to join the real estate game. With a few thousand ringgit and an internet connection, you can diversify your investment portfolio—one project at a time. Start with RM1,000 using low-cost property investment options. Build wealth slowly, safely.