Depends on the bank. This is called a third-party charge. If your name is not on the SPA, then no, the property is not considered foreign-owned property. But you are still welcome to joint-loan with her. Only a selected number of banks can do this though, since 3rd party charging depends on the banks' policy.

I understand why you do not want to put your name on the SPA, especially due to the 1mil and 2mil minimum price for foreign house-buyers. So you are left with a 3rd-party innie setup. which not all banks can do. Out of my panel banks, only Maybank, OCBC and Alliance can do this. Hong Leong cannot


Yes, she can apply for a second loan for the second property, and it will still be at 90% margin-of-financing.