Budget 2027 has put home-buying costs back in focus, especially for first-time buyers who want to understand Malaysia stamp duty, loan duty, legal fees, and other real estate fees before they sign an SPA. This guide on Budget 2027 and Property Stamp Duty in Malaysia: What Homebuyers Need to Know explains what buyers should watch under stamp duty Malaysia property rules, how current stamp duty rates work, and why budget news still needs to match the final legal text. As at 9 October 2026,...

By Eric Liew Properties One of the most common questions I get from buyers: “Eric, with my salary, how much house can I afford?” Good question 👍Before choosing the unit, we must first check your affordability. ✅ 2026 Safe Affordability Rule (Malaysia) Most banks in Malaysia calculate based on: Debt Service Ratio (DSR): Usually 60%–70% (depends on bank & income level) Recommended safe commitment for house: Around 30%–35% of your gross income 💡 My advice: Don’t max out. Leave buffer for...

When it comes to owning property, one of the biggest questions buyers face is this: Should you buy a second-hand house, or invest in a brand-new one? Both options have their advantages—and their hidden costs. Let’s break down the pros and cons of each to help you make a smarter, long-term decision. 🏚️ Second-Hand House (Subsale Property) ✅ Pros Lower Price, Better Negotiation Power Subsale homes are usually more affordable than new launches in the same area. You can often negotiate the...