Property Guides
MRTA, MLTA, MRTT and MLTT are all types of insurance policies related to housing loans or mortgages. These are used to protect both the borrower and the lender in case of unexpected events, such as the borrower’s death or total disability. Each one has unique features in terms of coverage and structure. MRTA (Mortgage Reducing […]
Skim Jaminan Kredit Perumahan (SJKP) is a government-backed scheme designed to assist certain groups of people in purchasing homes, particularly for first-time homebuyers.
When renting a property in Malaysia, a Tenancy Agreement security deposit and a utility deposit are typically required by landlords. Both deposits are often paid upfront, along with the first month’s rent, before moving in.
A Green Building refers to a building that is designed, constructed, and operated in an environmentally responsible and resource-efficient manner throughout its lifecycle. The concept focuses on reducing the building’s impact on the environment while enhancing the health and comfort of its occupants. The goal is to create buildings that are not only energy-efficient but also use sustainable materials, optimize water usage, and improve indoor air quality, among other benefits.
Tenancy Agreement is not legally binding unless it is stamped. The stamping process is a requirement under the Stamp Act 1949 for certain documents, including tenancy agreements, to be legally enforceable in the eyes of the law.
A new project refers to a property that is newly built or under construction. These properties are typically sold by the developer directly to buyers.
Real Property Gains Tax (RPGT) is imposed on gains from the disposal of real property or shares in real property companies. The Real Property Gains Tax (RPGT) rate in Malaysia depends on how long you have owned the property before selling it.
LPPSA loan refers to a loan provided by the Lembaga Pembiayaan Perumahan Sektor Awam (LPPSA), which is the Public Sector Home Financing Board. The LPPSA offers home financing primarily to civil servants working in the public sector, including government employees and their families, to help them purchase or build homes.
Liquidated Ascertained Damages (LAD) is a contractual clause that specifies a fixed amount of money that the developer must pay to the buyer as compensation for any delay in the completion or delivery of the property. The LAD is pre-determined and agreed upon in the Sales & Purchase Agreement (S&P).
房地产指南
在马来西亚房地产领域，”Freehold”（永久地契）和”Leasehold”（租赁地契）是两种常见的地契类型。
拍卖房子（Auction）在马来西亚是一种具有吸引力的购房选择，但也需要买家谨慎考虑潜在的风险和挑战。建议购房者在参与拍卖之前，充分研究市场、了解拍卖程序，并在必要时寻求专业建议。
LAD 称为 Liquidated Ascertained Damages。中文常翻译为 “延迟交房赔偿金” 或 “违约金”。当发展商未能在买卖合约（S&P Agreement）中规定的交房期限内完成并交付房屋时，发展商需按照 LAD 条款，向买家支付赔偿金。
在马来西亚，房屋保修条款通常被称为“房屋质量保修”或“建筑保修”。根据马来西亚的法律，特别是《建筑法令1967》（House Buyers’ Compensation Act 1993），发展商在出售新建房屋时需要提供一定的保修期限，以保护购房者的权益。
首先要确保您的收入足够承担房贷和其他相关费用。如果您有其他债务，如汽车贷款（Hire Purchase）、学生贷款（PTPTN）、个人贷款（Personal Loan）或信用卡（Credit Card）债务，请尝试降低它们，以便更好地负担房贷。
绿色建筑在马来西亚逐渐成为一个重要的趋势，旨在提高建筑的环保性能、节能效果以及居住和使用的舒适性。许多新建住宅和商业建筑项目都在申请绿色建筑认证，诸如“绿色建筑指数”（GBI）、“LEED”（美国绿色建筑委员会颁发的认证）等。知名的绿色建筑项目包括吉隆坡的”国际技术大学”（UTM）和“马来西亚国际贸易与展览中心”（MITEC）等。
选择公寓（High-Rise）还是排屋（Landed）取决于个人的生活方式、预算和偏好。公寓适合那些喜欢社区生活和便利设施的人，而排屋则适合那些注重隐私和更大空间的家庭或个人。
想要购买房子，可以选择购买新项目房产还是二手房，取决于您的预算、投资目标和需求。如果您注重现代设施、较低的维修成本和长期增值潜力，新房可能更合适；如果您的预算有限，或者更看重成熟社区的便利性和较快的入住时间，二手房可能更适合。
房屋全额贷款（Full Loan）是指贷款机构（通常是银行或金融机构）提供的贷款金额等于房屋的购买价格或评估价值（以较低者为准）。这意味着借款人不需要支付首付，可以通过贷款全额支付房屋价格。