Most importantly, are Malaysian banks willing to loan for this Filipino condo? Investment in real estate for ordinary people is a game of leverage. Put in 10%-20% and reap rewards if the condo price goes up. If banks are not willing to loan, there is no leverage and therefore not worth the game. In addition to that, foreign real property investment comes with extra risks. There must be extra rewards for Malaysians to take the risk. If banks are willing to loan, some of these risks are mitigated too.