One question per guide: how much you can borrow and what the interest costs, the taxes and fees on buying and selling, tenure and property types, protection on new launches, and renting out and maintenance fees. Each guide is written from official documents with the sources listed, and compiled by licensed real estate negotiator Simon Wang San Teik (REN 56506).
Down payment, transfer stamp duty (MOT), legal fees and loan stamp duty, worked through line by line on a real project's permit price.
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.
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.
Lock-in terms and early settlement fees across eight banks, and why 2% of the approved amount differs from 2% of the balance.
What it covers, how the premium is paid, whether you must buy it and what happens if you settle early, from the banks' and insurers' own disclosure sheets.
Reducing or level cover, who gets any excess, and what happens after the loan is settled, from the insurers' own disclosure sheets.
One table comparing term, expiry, renewal, quit rent and compulsory acquisition, each tied to its section of the National Land Code.
The names are not legal categories. What counts is the title use, the tenure and the form of the agreement.
The RM2,400 exemption ended in 2025. The new rates, two worked examples, who pays, penalties, and how to stamp online through MyTax.
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.
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