Everything worth understanding before you buy, in seven steps: the title, whether you can buy, the money you need, the sale and purchase agreement and payment schedule, the 24-month defect period, monthly charges, and selling later. Every card opens a full article or guide, with the official sources listed at the end.
Freehold or leasehold, strata or individual title, residential or commercial use: these shape your loan, your resale and your monthly costs.
One table comparing term, expiry, renewal, quit rent and compulsory acquisition, each tied to its section of the National Land Code.
A strata title covers one unit with shared common property; an individual title covers a plot. The official terms, the issuing deadlines and how to run a land search.
The names are not legal categories. What counts is the title use, the tenure and the form of the agreement.
The handover deadline (36 months by statute, 48 or 60 on some projects), late delivery compensation at 10% a year, 24 months of defect liability after handover, and where to complain.
Foreign buyers face minimum prices, quotas and excluded property types, and each state sets its own.
Beyond the down payment come stamp duty and legal fees; how much you can borrow and what it costs should be clear before you sign.
Down payment, transfer stamp duty (MOT), legal fees and loan stamp duty, worked through line by line on a real project's permit price.
Bank Negara's 70% and 35-year rules, the margins banks publish, and whether foreign buyers can borrow.
How the OPR, the SBR and your own rate connect, then a monthly instalment worked out from a bank's published figures.
New launches use a statutory agreement that fixes the delivery period, late-delivery damages and the payment schedule. Buying subsale, you run the checks yourself.
Delivery: 24 months for landed, 36 for strata (some condo projects 48 or 60); how LAD is worked out; both payment schedules in full.
What each stage costs, when it falls due, and why the last 5% stays with the lawyer for 24 months.
Licence and permit, title, agreement form, payment, delivery deadline and the developer’s record.
The CCC, the strata title, when the defect period and fees start, and what to confirm on handover day.
Land search, charges and caveats, state consent, service charge arrears, quit rent and assessment, the RPGT retention.
Late charges on developer instalments, home loans, service charges, quit rent and assessment in one table.
The defect liability period starts the day you get the keys: what the developer must fix, how to write the notice and when it must reach the lawyer.
Strata units pay service charges and a sinking fund every month, calculated on your unit’s share units.
By law the sinking fund is 10% of the maintenance fee. Who collects it, how it is shared, what happens if owners don't pay, and how it differs from assessment tax and quit rent.
The statutory formula, a worked example down to the monthly figure, and which costs may be included.
How long you hold and who you are decide the RPGT you pay; your loan’s lock-in period affects when it makes sense to sell.
Rates for citizens, companies and foreign owners, which costs are deductible, and why the buyer withholds 7% or 3%, from the Inland Revenue Board's own pages.
Lock-in terms and early settlement fees across eight banks, and why 2% of the approved amount differs from 2% of the balance.
The housing ministry said on 26 October that the national short-term rental framework is in final review. But for a strata owner the harder gate is already in place: in…
Malaysian home loans differ in two ways: how the rate is set (floating or fixed, conventional or Islamic) and whether you can take back what you overpay (basic, semi-flexi, full…
Announced on 9 October: a first home up to RM500,000 pays no stamp duty on either the loan agreement or the transfer; from RM500,000 to RM750,000 the first RM500,000 is…
Send me the project name, your nationality and your budget and I will check whether foreigners may buy it, whether the permit and licence numbers match, how many months the delivery clause allows and where you are on the payment schedule.
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