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🇲🇾 11 years in Malaysian property · Every figure sourced and dated
Buying Guide · Malaysia property A to Z

Buying Property in Malaysia: The Complete Step-by-Step Guide (New, Subsale & Foreign Buyers)

Buying property in Malaysia runs through six stages — from booking and the home loan to the SPA, handover, and years of strata management. Each stage is broken into stand-alone guides, organised into three tracks: new property, subsale and foreign buyers. Every rate, fee and rule is sourced and dated.

48 in-depth guides6 buying stagesNew · Subsale · Foreign2026 stamp duty & feesVerified 2026-09-20

Short answer

Buying property in Malaysia runs through six stages: checks before you book, booking and the home loan, signing the SPA and loan agreement with stamp duty, waiting for handover or completing the transfer, post-handover inspection and utilities, then years of strata management. A subsale purchase typically completes in 3–4 months; a new launch takes 6 to 36 months.

Key numbers at a glance

Stages6: before booking / booking & loan / signing / to keys / after keys / management
Down payment10% of the price (70% max margin from the third housing loan)
Transfer stamp duty1%/2%/3%/4% tiers; 8% flat for non-citizens from 1 Jan 2026
Loan agreement duty0.5% of the loan
First-home exemptionFull exemption up to RM500,000; SPA signed 1 Jan 2026 – 31 Dec 2027
Subsale completion3 months + 1 month extension (late interest commonly 8% a year)
New-build delivery24 months landed / 36 months strata; LAD 10% a year
Guides48 articles, every figure sourced and dated
Choose your track

What kind of property are you buying?

New property is protected by the Housing Development (Control and Licensing) Act 1966 (HDA) and sold on a statutory contract. Subsale contracts are negotiated between lawyers, so the process and risks differ. Foreign buyers add state price thresholds and state consent. Pick your track — each one is laid out in the same six stages.

All guides · by stage

The six stages of buying property in Malaysia

Each card is a stand-alone guide. The tag shows whether it applies to new property, subsale or foreign buyers. Not sure where to start? Read from Stage 1 down.

1Stage 1

Before you book

What to understand before you pay a single ringgit: property types, titles, budget, developer and title checks, agents and valuation.

Types of Property in Malaysia: Landed, Condo, Serviced Apartment, SOHO/SOFO/SOVOTypes of property in Malaysia explained: terrace, semi-D, condo, serviced apartment, SOHO/SOFO/SOVO, commercial-title costs and the 8% foreign duty.Buying new property · Buying subsale property · Foreigners buying in MalaysiaFreehold vs Leasehold in Malaysia: Remaining Tenure, Lease Renewal and ConversionFreehold vs leasehold Malaysia: read tenure off the title code, how a short lease affects your loan, and renewal under NLC s.90A with an RM66,825 example.Buying new property · Buying subsale property · Foreigners buying in MalaysiaLand Title Types in Malaysia: Strata, Individual, Master Title, Residential vs Commercial, Bumi Lot and Malay ReserveLand title types in Malaysia: GRN, PN and HSD codes, strata vs individual title, why a master title slows a subsale, land use and Bumi lots, in 6 checks.Buying new property · Buying subsale property · Foreigners buying in MalaysiaNew vs Subsale Property in Malaysia: 10 Things to CompareNew vs subsale property in Malaysia: 10 things to compare, from HDA protection and cash flow to rental, loans and legal fees, with a RM500k cost example.Buying new property · Buying subsale propertyHow to Choose a Property in Malaysia: Value Factors and Condo Unit Selection TipsHow to choose a property in Malaysia: location, transport, tenure, supply and fees, plus NAPIC's 33,094 unsold homes in H1 2026 and a 4.8% yield example.Buying new property · Buying subsale propertyHow to Check a Property Developer in Malaysia: Licence, APDL & Red FlagsHow to check a property developer in Malaysia: verify the licence and APDL on KPKT's TEDUH, spot 'sick' projects (30% behind), pay only into the HDA account.Buying new propertySubsale Due Diligence in Malaysia: Title Search, Caveats, Arrears & InspectionSubsale due diligence in Malaysia: a Johor land title search costs about RM40 (private) or RM120 (official). Check charges, caveats, arrears and condition.Buying subsale propertyProperty Agent Fees in Malaysia: REN vs REA vs PEA, How to Verify & Who PaysProperty agent fees in Malaysia are capped at 3% of the price (min RM1,000), usually paid by the seller. How to verify a REN, REA or PEA, plus letting fees.Buying new property · Buying subsale property · Foreigners buying in MalaysiaProperty Valuation in Malaysia: Bank Valuation & Where to Check Transacted PricesProperty valuation in Malaysia: what a RM30k valuation shortfall costs you, valuation fees, and how to check transacted prices on NAPIC before you offer.Buying new property · Buying subsale propertyAuction Property in Malaysia (Lelong): Process, Risks & FinancingBuying auction property in Malaysia: court auctions need a 10% bank draft deposit and the balance within 120 days, or the deposit is forfeited. LACA vs court.Buying subsale propertyHow Much Money Do You Need to Buy a House in Malaysia? Down Payment, Margin of Finance and Upfront CostsHow much money do you need to buy a house in Malaysia? For a RM500k home: 10% down plus stamp duty and legal fees, about RM70k new or RM74k subsale.Buying new property · Buying subsale propertyFirst-Time Home Buyer Malaysia 2026: Stamp Duty Exemption, Tax Relief, SJKP and Government SchemesFirst-time home buyer Malaysia 2026 guide: no stamp duty up to RM500k until end-2027, up to RM7,000 tax relief on loan interest, SJKP, PR1MA, RMMJ and EPF.Buying new property · Buying subsale propertyForeigners Buying Property in Malaysia: 10 Steps from Choosing a State to Title TransferForeigners buying property in Malaysia: 10 steps from state price thresholds and s.433B consent to 8% stamp duty, Johor's 3% levy, loan and title transfer.Foreigners buying in Malaysia
2Stage 2

Booking & the home loan

Booking, applying for the bank loan, reading the letter of offer — plus EPF, interest rates and insurance that decide your instalment.

EPF Withdrawal for Housing in Malaysia: Akaun Sejahtera Rules and StepsEPF withdrawal for housing in 2026: take price minus loan plus 10% from Akaun Sejahtera if under 55 with RM500. All 6 withdrawal types, examples and steps.Buying new property · Buying subsale propertyHome Loan Application in Malaysia: Every Step from Pre-Approval to DisbursementHome loan application in Malaysia made simple: 8 steps from pre-approval to disbursement, up to 90% margin, 35-year tenure and a RM450k cost example.Buying new property · Buying subsale propertyHome Loan Documents Malaysia: Checklist for Salaried, Self-Employed and Malaysians Working OverseasHome loan documents Malaysia checklist: 3–6 months' payslips and statements for salaried, SSM, 2 years' Form B and 6–12 months' statements for self-employed.Buying new property · Buying subsale property · Foreigners buying in MalaysiaDSR in Malaysia, CCRIS and CTOS Explained: Why Home Loans Get RejectedDSR in Malaysia explained: calculated on net income, usually capped at 60%–70%. Plus CCRIS 12-month records, CTOS scores (300–850) and loan rejection fixes.Buying new property · Buying subsale propertyBank Letter of Offer in Malaysia Explained: Interest Rate, Lock-in and Clauses to CheckBank letter of offer in Malaysia: check the loan amount, SBR plus spread, 2%–5% lock-in penalties, financed MRTA and deadlines, with worked RM examples.Buying new property · Buying subsale propertyHome Loan Interest Rate in Malaysia: How OPR, SBR, BR and BLR WorkHow your home loan interest rate in Malaysia is set in 2026: OPR at 2.75%, SBR vs BR vs BLR, and how a 0.25% change moves a RM400k instalment by about RM60.Buying new property · Buying subsale propertyFlexi Loan vs Term Loan in Malaysia: Semi-Flexi, Lock-In Periods and Islamic FinancingFlexi loan vs term loan in Malaysia: which saves more? RM300 extra a month saves about RM97,900 on RM400k. Plus lock-in fees of 2%–5% and 2025 bank changes.Buying new property · Buying subsale propertyMRTA vs MLTA in Malaysia, and the Home Insurance Your Bank Actually RequiresMRTA vs MLTA in Malaysia: single premium with reducing cover vs monthly premium with level cover, about 7x the cost in one example. Plus fire and houseowner.Buying new property · Buying subsale propertyBooking Fee for New Property in Malaysia: Legal Position, Checks and Refund RisksBooking fee for new property in Malaysia: there is no legal 3% cap and Reg 11(2) bans payments outside the SPA. 8 checks, refund rules, LAD from booking.Buying new propertyMaking an Offer on a Subsale Property: Letter of Offer, Earnest Deposit & NegotiationThe earnest deposit on a Malaysian subsale is usually 2%–3%, topped up to 10% at the SPA. What your offer must say, refund rules and a RM500k example.Buying subsale propertyHome Loan for Foreigners in Malaysia: Margin, Documents and BanksHome loan for foreigners in Malaysia: banks usually lend 50–70% with no BNM approval needed. Ringgit vs SGD loans, documents, DSR and currency risk examples.Foreigners buying in MalaysiaHow to Open a Bank Account in Malaysia as a Foreigner, Transfer Funds and Repatriate Sale ProceedsHow to open a bank account in Malaysia as a foreigner, move funds to buy property and repatriate sale proceeds under BNM rules, with the 7% RPGT retention.Foreigners buying in Malaysia
3Stage 3

Signing the SPA

The SPA, the loan agreement, stamp duty and legal fees — understood clause by clause before you sign.

Stamp Duty Malaysia 2026 and Legal Fees: How to Calculate (with Examples)Stamp duty Malaysia 2026: MOT rates 1%–4%, 0.5% on loans, 8% for foreigners, first homes to RM500k exempt, plus SRO 2023 legal fees and worked examples.Buying new property · Buying subsale property · Foreigners buying in MalaysiaSchedule H SPA, Plus G, I and J: The New Property SPA in Malaysia ExplainedSchedule H SPA Malaysia explained with G, I and J: 24/36-month delivery, LAD at 10% a year, 24-month DLP, strata title with VP, plus a pre-signing checklist.Buying new propertyProgressive Payment Schedule Malaysia: Every Stage, and the Interest You PayProgressive payment schedule in Malaysia: 10% on signing, 17.5% at VP, 5% held by the lawyer. Each Schedule H stage and a worked interest example.Buying new propertySigning the SPA and Loan Agreement: What Each Lawyer Does and What to BringSigning the SPA in Malaysia: what each lawyer does, what to bring, and SRO 2023 fees of 1.25% on the first RM500k, with a RM500,000 worked example.Buying new property · Buying subsale propertySubsale SPA in Malaysia: 3+1 Month Completion, Differential Sum & Key ClausesA subsale SPA in Malaysia usually means a 10% deposit and 3+1 months to complete, with late interest often 8%. Worked examples, key clauses and default rules.Buying subsale propertyPower of Attorney for Property Transactions in Malaysia: Signing from OverseasUsing a power of attorney for Malaysia property? It must be stamped and registered at the High Court and can be signed abroad before a notary. 6 safety tips.Buying subsale property · Foreigners buying in Malaysia
4Stage 4

From SPA to keys

Construction and handover for new property; transfer and disbursement for subsale — every step between signing and keys.

From SPA to Keys: Progress Billing, LAD for Late Delivery & Extension of TimeLAD for late delivery in Malaysia is 10% a year of the SPA price, counted from the booking-fee date. Worked RM600k example, EOT case law and how to claim.Buying new propertyTribunal for Homebuyer Claims in Malaysia: How to Claim Against a DeveloperThe Tribunal for Homebuyer Claims hears claims against developers up to RM50,000 for a RM10 fee, filed within 12 months. Forms, documents, steps.Buying new propertyAbandoned Housing Projects in Malaysia: Definition, Rescue & Buyer RightsAbandoned housing projects in Malaysia: after 6 months' stoppage, HDA s.8A lets buyers terminate for a full refund within 30 days. Rescue, loans, red flags.Buying new propertyCCC in Malaysia and Vacant Possession: What Must Be in Place Before You Collect KeysA CCC in Malaysia must be issued before vacant possession. The 5 VP conditions, strata title with VP, the 30-day deemed-VP rule and what you pay at handover.Buying new propertySubsale Transfer Process: State Consent, Form 14A, Redemption & RPGT RetentionThe subsale transfer process in Malaysia takes about 3–4 months: consent, Form 14A, stamp duty, redemption and 3%/7% RPGT retention, with a RM600k example.Buying subsale propertyCaveats and Perfection of Transfer & Charge in MalaysiaCaveat Malaysia guide: the 4 types, why a private caveat lapses after 6 years, how to remove one, and why perfection of transfer (POT/POC) matters.Buying new property · Buying subsale property
5Stage 5

After you get the keys

Inspection, utilities, assessment and quit rent, renovation, renting out, refinancing, selling and inheritance.

Should You Refinance a Home Loan in Malaysia? Costs, Break-Even and What to Do After Full SettlementShould you refinance a home loan in Malaysia? A 0.5% cut on RM350k saves about RM97 a month but needs ~71 months to recover full costs. Plus Form 16N steps.Buying new property · Buying subsale propertyDefect Liability Period (DLP) in Malaysia: Defect Inspection Checklist & How to Claim from the DeveloperDefect liability period Malaysia explained: 24 months from VP, developer must repair within 30 days, plus a room-by-room inspection checklist and claim steps.Buying new propertyAfter Buying a House in Malaysia: Utilities, Assessment Tax, Quit Rent, Insurance & Management ChecklistAfter buying a house in Malaysia: TNB deposit of about 2 months' bills, water account transfer, 3-month council notice, 31 May quit rent deadline. JB and KL.Buying new property · Buying subsale propertyRenovation Permit Malaysia: Council Permits, Condo Management Rules & Contractor TipsRenovation permit Malaysia: when landed homes need council approval, why condos need written management approval, MBJB fee example and how to check CIDB.Buying new property · Buying subsale propertyRenting Out Property in Malaysia: 2026 Tenancy Stamp Duty, Rental Income Tax and the Letting ProcessRenting out property in Malaysia in 2026: tenancy stamp duty now RM1–RM7 per RM250 with no RM2,400 exemption, 30-day stamping, and rental income tax examples.Buying new property · Buying subsale property · Foreigners buying in MalaysiaSelling Property in Malaysia: RPGT Rates 2026, Seller Costs and Step-by-Step ProcessSelling property in Malaysia in 2026: RPGT is 0% for citizens after year 5, buyers retain 3% or 7%, file within 60 days. Full RM600k example and seller costs.Buying new property · Buying subsale property · Foreigners buying in MalaysiaWills and Property Inheritance in Malaysia: Joint Ownership and What Happens Without a WillProperty inheritance in Malaysia: with no will, the Distribution Act gives spouse 1/4, children 1/2, parents 1/4. Wills, probate and joint owners explained.Buying new property · Buying subsale property · Foreigners buying in Malaysia

Ask Louis directly
Not sure which stage you are at or what comes next? Send me your situation and I will put it in order for you.

I can work out the full upfront cost sheet for your price range — stamp duty, legal fees and the small items — at no charge.

FAQ

Frequently asked questions

What is the process of buying property in Malaysia?

Six stages: (1) before booking — understand property types, titles and budget, and check the developer or the title; (2) book and apply for the home loan; (3) sign the Sale and Purchase Agreement (SPA) and loan agreement, and pay stamp duty and legal fees; (4) for new property, wait for construction and vacant possession; for subsale, complete the transfer and loan disbursement; (5) after keys — inspection, utilities, assessment and quit rent; (6) ongoing repairs and strata management. Each stage has its own guides on this page.

How much money do I need to buy a house in Malaysia?

Plan for a 10% down payment plus stamp duty, legal fees and loan costs. Individuals usually borrow up to 90% on a first housing loan (bank practice rather than a BNM cap); most sources say 90% on a second, some say 80%; from the third, BNM caps it at 70%. Stamp duty on the transfer is tiered at 1%/2%/3%/4%, the loan agreement is 0.5%, and legal fees under the Solicitors’ Remuneration Order 2023 start at 1.25% on the first RM500,000. See how much you need to buy a house or use the buying-costs calculator.

Are there incentives for first-time homebuyers in Malaysia?

Malaysian citizens buying their first home priced up to RM500,000 pay no stamp duty on the transfer or the loan agreement, for SPAs signed from 1 January 2026 to 31 December 2027. Other schemes and conditions are in first-time homebuyer incentives 2026.

What is the main difference between new and subsale property?

New property is sold on an HDA statutory SPA (Schedule G for landed, Schedule H for strata), paid in progress stages, with late-delivery damages (LAD) of 10% a year and a 24-month defect liability period. A subsale SPA is negotiated, usually completes in 3 months plus a 1-month extension, is paid in a lump sum and has no defect warranty. See new vs subsale.

Can foreigners buy property in Malaysia?

Yes, if the price is above the state’s minimum (for example RM1,000,000 for strata and RM2,000,000 for landed in Johor) and the state gives written consent. From 1 January 2026 non-citizens pay a flat 8% stamp duty on residential transfers, and Johor adds a levy of 3% of the price or RM30,000, whichever is higher. See foreigners buying in Malaysia.

How are the figures in these guides verified?

Statutes, the gazette and official bodies (LHDN, Bank Negara Malaysia, KPKT, EPF, the Malaysian Bar) come first, then at least two reputable secondary sources. Each guide lists its sources and the date it was verified. Where sources conflict, both figures are printed.

Louis Koh

11 years in Malaysian property · Johor Bahru & Kuala Lumpur · English & 中文

I help local buyers and cross-border buyers from Singapore with new and subsale property. Every figure in these guides is sourced; when a rule changes, I update the page and date it.

💬 Contact Louis

Verified: 2026-09-20. This guide is general information, not legal, tax or financial advice. Rules and rates change — confirm in writing with your lawyer, bank or the relevant authority before you sign.

Stuck on this step? Ask me directly

Send me your situation — new or subsale, budget, state, and where you are in the process — and I will tell you what to do next and what to watch for.

I can work out the full upfront cost sheet for your price range — stamp duty, legal fees and the small items — at no charge.

Louis Koh · 11 years in Malaysian property · +60 10-906 6685 · replies 9am–10pm MYT

Buying GuideNew · Subsale · Foreign buyers · 6 stages
WhatsApp📞 6010 9066 685