Questions,
Answered Straight

No. For the new launches we represent, the developer pays the agent's commission. You pay nothing to us at any point — not for viewings, not for loan guidance, not on completion.

For a new launch, expect a booking fee of RM1,000–RM5,000, then the 10% down payment less any developer rebate. Many launches absorb legal fees and stamp duty, which is where most of the cash saving is. Budget separately for loan agreement stamp duty at roughly 0.5% of the loan, plus valuation and disbursement fees.

The SPA (Sale and Purchase Agreement) is the contract between you and the developer or seller. The MOT (Memorandum of Transfer) is the document that moves the title into your name at the land office. Each carries its own legal fee and stamp duty, and on many new launches the developer covers one or both.

Yes. Budget for maintenance fees and sinking fund on strata properties, charged per square foot; quit rent and assessment paid to the state and local council; utilities; and fire insurance, which your bank will usually require. Landed homes in gated schemes also carry a security or management charge.

Banks assess your Debt Service Ratio, generally allowing total monthly commitments of around 60–70% of net income. As a rough guide many buyers qualify for roughly 3–4× annual salary, but existing car loans, personal loans and credit card balances reduce that considerably. Our calculator on the homepage gives a quick estimate.

DSR is Debt Service Ratio — the share of your monthly income already committed to repayments. The bank adds your proposed housing instalment to existing commitments and checks the total against income. A high DSR is the most common reason a loan is cut or rejected. Clearing a car loan before applying often helps more than earning more.

CCRIS is Bank Negara's record of your loans and repayment conduct over the past 12 months. CTOS is a private credit bureau report that also captures legal action and bankruptcy records. Banks look at both. Late payments in the last year are the usual obstacle, and they take time to age out — worth checking your own reports before applying.

Standard housing loans are capped at 90% for your first two properties, so a 10% down payment is normally needed. Some launches structure rebates that reduce the cash required, and certain government and developer schemes offer higher margins to eligible first-time buyers. Whether you qualify depends on the project and your income — ask us about the specific one.

One rejection is not the end. Banks assess income differently, particularly for commission earners and the self-employed, so we normally submit to several in parallel. If every bank declines, what happens to your booking fee depends on the developer's terms — worth reading those before you pay it.

For a new launch under construction, expect roughly two to four years to vacant possession, depending how far along the project is. Loan approval usually takes two to four weeks, and the SPA is normally signed within a few weeks of booking. A completed or near-complete unit moves much faster.

For a loan application: your IC, the latest three to six months of payslips, three to six months of bank statements, EPF statement, and your latest EA form or tax return. If you are self-employed or commission-based, banks usually want business registration, six to twelve months of bank statements and two years of tax filings.

Yes, and you should. For projects under construction there is normally a show unit and sales gallery. We arrange viewings around your schedule, including evenings and weekends, and there is no obligation to proceed afterwards.

A new launch usually needs less cash upfront, because developers often absorb legal fees and stamp duty and payment is staged during construction. The trade-off is waiting, typically two to four years. A subsale can be occupied immediately and you see exactly what you're buying, but you fund the legal costs and stamp duty yourself.

Freehold is owned indefinitely. Leasehold is a long lease from the state, commonly 99 years, renewable at the end. In practice leasehold is usually cheaper for comparable specification, but resale and refinancing get harder as the remaining term shortens, and transfers need state consent, which adds time. For a long-term home, a leasehold with a long remaining term is often perfectly sensible.

Developers must set aside a quota of units for Bumiputera buyers, usually at a discount. Those units can only be sold on to Bumiputera purchasers unless the developer obtains a release from the state, which takes time. If you are not Bumiputera, this matters mainly when you come to sell.

Foreigners can own property in Malaysia, but each state sets its own minimum purchase price, and those thresholds differ and change over time. Some land categories and all Bumi lots are excluded, and state consent is required. If you are not a citizen or permanent resident, ask us to confirm the current threshold for that state and project before you commit.

Westfield Residence (USJ 1) and Gamuda Garden (Rawang) are freehold. Sovana & Soren (Puncak Alam), Armanee (Bandar Tasik Puteri, Rawang) and Tropicana Alam (Bandar Puncak Alam) are leasehold. Tenure is shown on every listing card.

Our current listings sit across Selangor — Subang Jaya, Puncak Alam, Petaling Jaya, Rawang and Shah Alam — but we work throughout Kuala Lumpur and the Klang Valley. If you have a specific area or development in mind that isn't listed, ask and we'll check availability.

That's fine, and it's often the right answer. Plenty of people speak to us a year or two before they buy, to understand what they can afford and what to fix first — usually clearing commitments or repairing a credit record. There's no cost and no obligation to that conversation.