This is a common question among property buyers and the answer might surprise you Bank Look at Two Key FactorsWhen applying for a home loan, banks assess two main criteria:  1. Your Loan Eligibility Based on your income, commitments (e.g., car loans, credit cards), and credit score.  2. The Property's Market Value The bank will conduct a valuation of the property you’re planning to...
by Sara
Adakah anda penjawat awam berumur 30 tahun dan ke bawah yang bercita-cita memiliki rumah sendiri? Kini, impian anda boleh direalisasikan melalui Skim Pembiayaan Perumahan Muda (SPPM) oleh Lembaga Pembiayaan Perumahan Sektor Awam (LPPSA). Skim ini diumumkan dalam Bajet 2025 oleh YAB Perdana Menteri dan mula berkuat kuasa pada 1 April 2025. 🎯 Objektif SPPM Membantu penjawat awam muda memiliki...
by Sara
When taking up a home loan in Malaysia, borrowers are often advised to consider insurance protection in case of unexpected events. Two common types are MRTA and MRTT. But what exactly are they, and which one suits you better? đź’Ľ What is MRTA? Mortgage Reducing Term Assurance (MRTA) is a lump-sum premium insurance policy that covers your outstanding housing loan in the event of death or total permanent...
by Sara
If you own land or property in Malaysia, you're required by law to pay Cukai Tanah, also known as quit rent, every year. This annual land tax is imposed by the state government and applies to both freehold and leasehold properties. Late payment may result in penalties, so it’s important to pay on time — and thankfully, the process is now simple and available online. From verifying your quit rent status...
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