Leader ∙ IRealty
Balkhis Hashim
REN29311
Leader ∙ IRealty
Balkhis Hashim
REN29311
About Balkhis Hashim
Leveraging market knowledge and negotiation skills to deliver exceptional results. Your real estate success is my priority. Ready to make your real estate dreams a reality? Let's chat. Your dream home awaits.
5 years at IQI
110 transactions
96 properties on sale
40 properties on rent
Contact Balkhis Hashim
Balkhis Hashim's Service Locations
Balkhis Hashim's Service Locations
My Listings
Radia Residences
Bukit Jelutong
RM 510,000
Listed on January 19, 2024
Bukit Jelutong
Persiaran Gerbang Utama
RM 7,300,000
Listed on April 27, 2024
Perdana Heights
Jalan Pulau Angsa U10/2
RM 2,150,000
Listed on May 28, 2024
Maple Terrace
Denai Alam
RM 1,700,000
Listed on January 9, 2021
Elmina Valley 2
Jalan Metafasa U16
RM 2,500
Listed on July 6, 2025
Maple Terrace
Jalan Elektron U16
RM 5,000
Listed on April 16, 2026
Bukit Jelutong
Persiaran Gerbang Utama
RM 900,000
Listed on November 13, 2024
Rimbun Sanctuary
Persiaran Gerbang Utama, Bukit Jelutong, 40150, Selangor
RM 550,000
Listed on November 27, 2024
D'Pankin Bukit Jelutong
Jalan Pelapik B U8/B
RM 14,000
Listed on July 7, 2026
Radia Residences
Radia Bukit Jelutong, Persiaran Singgah Sana, 40150, Selangor
RM 550,000
Listed on November 13, 2024
Bukit Jelutong
Persiaran Gerbang Utama
RM 950,000
Listed on March 13, 2024
Elmina Valley 4
Jalan Hopea U15/14
RM 1,950,000
Listed on April 12, 2024
Greenlane
Jalan Jeriji U8/75, U8, Bukit Jelutong
RM 2,900 /month
Listed on February 7, 2025
Ilham Residence @ City of Elmina
Jalan Elmina Ilham 1
RM 748,000 /month
Listed on December 15, 2025
Sunway Alam Suria
Seksyen U10
RM 4,500
Listed on April 16, 2026
D'Pankin Bukit Jelutong
Jalan Pelapik B U8/B
RM 4,500
Listed on July 7, 2026
Laman Nadi, Elmina East
Jalan Frekuensi R U16/R
RM 2,400,000
Listed on December 16, 2025
Perdana Heights, Shah Alam
Jalan Pulau Angsa U10/1
RM 2,700,000
Listed on May 14, 2024
Radia Residences
Radia Bukit Jelutong, Persiaran Singgah Sana, 40150, Selangor
RM 950,000 /month
Listed on December 15, 2024
Radia Offices
Persiaran Arked, Bukit Jelutong
RM 2,100
Listed on July 3, 2026
Taman Riana Ukay
Jalan Riana Ukay 1
RM 850,000 /month
Listed on December 18, 2025
Renai Jelutong Residences
Persiaran Balairong, Bukit Jelutong, 40150, Selangor
RM 2,700
Listed on May 5, 2025
Laman Permai
Jalan Nova U5
RM 2,250,000
Listed on April 9, 2021
Bukit Jelutong
Bukit Jelutong
RM 2,200,000 /month
Listed on April 23, 2026
Laman Permai
Subang Bestari
RM 2,300,000
Listed on April 4, 2021
Greenlane
Jalan Jeriji U8/75, U8, Bukit Jelutong
RM 1,400,000 /month
Listed on December 10, 2025
Taman Tadisma
Seksyen 13
RM 3,200,000
Listed on May 17, 2024
Radia Residences
Radia Bukit Jelutong, Persiaran Singgah Sana
RM 480,000 /month
Listed on December 10, 2025
Bukit Jelutong
Persiaran Gerbang Utama
RM 3,000,000
Listed on April 8, 2024
Radia Offices
Persiaran Arked, Bukit Jelutong
RM 4,200 /month
Listed on July 21, 2026
TTDI Adina Shop Office
11, Jalan Judo 13/45, Seksyen 13, 40100 Shah Alam, Selangor
RM 1,200,000
Listed on August 4, 2024
Denai Alam
Jalan Elektron U16/81
RM 2,300
Listed on June 19, 2026
Suria Jelutong
Jalan Bazar U8/99, Bukit Jelutong
RM 320,000
Listed on November 7, 2025
Radia Residences
Radia Bukit Jelutong, Persiaran Singgah Sana
RM 549,000
Listed on December 22, 2025
Radia Residences
Bukit Jelutong
RM 749,000
Listed on January 12, 2024
Greenlane
Jalan Jeriji U8/75, U8, Bukit Jelutong
RM 900,000
Listed on November 13, 2024
Radia Residences
Radia Bukit Jelutong, Persiaran Singgah Sana
RM 550,000 /month
Listed on December 19, 2025
Bukit Jelutong
Persiaran Gerbang Utama
RM 930,000
Listed on December 10, 2024
Kiara Park
Jalan Burhanuddin Helmi
RM 900,000 /month
Listed on September 1, 2025
Radia Residences
Radia Bukit Jelutong, Persiaran Singgah Sana
RM 500,000 /month
Listed on June 14, 2025
Lagenda Gardens Bukit Jelutong
Jalan Teratak U8/96, Bukit Jelutong, 40150 Shah Alam
RM 1,600,000
Listed on May 3, 2024
Elmina Valley 2
Jalan Metafasa U16
RM 2,300
Listed on June 15, 2026
Bukit Jelutong
Bukit Jelutong
RM 980,000
Listed on February 7, 2021
Seri Maya Condominium
Jalan Jelatek
RM 835,000 /month
Listed on November 19, 2025
Radia Residences
Radia Bukit Jelutong, Persiaran Singgah Sana
RM 545,000 /month
Listed on December 25, 2025
Bukit Jelutong
Jalan Adang
RM 840,000
Listed on October 3, 2023
Saffron Hills @ Denai Alam
Jalan Elektron U16/34 - U16/36
RM 1,380,000
Listed on August 18, 2024
Reesia @ Elmina Gardens, Elmina East
Jalan Frekuensi U16/138
RM 1,750,000
Listed on May 19, 2024
Laman Seri
Jalan Lompat Pagar 13/37
RM 2,500,000
Listed on May 28, 2024
Jelutong Heights
Bukit Jelutong
RM 2,200,000 /month
Listed on April 23, 2026
Renai Jelutong Residences
Persiaran Balairong, Bukit Jelutong
RM 2,700
Listed on June 15, 2025
One Jelatek Condominium
Jalan Jelatek, Kementah
RM 780,000 /month
Listed on December 18, 2025
Bukit Jelutong
Jalan Birai
RM 1,650,000
Listed on October 9, 2023
Elmina Valley 2
Jalan Metafasa U16
RM 850,000 /month
Listed on September 3, 2025
Primer Garden Town Villas, Cahaya SPK
Jalan Hijau Pelangi U9/55
RM 760,000
Listed on May 9, 2024
Sri Acappella
Jalan Lompat Tinggi 13/33, Seksyen 13
RM 2,200
Listed on April 27, 2026
Lagenda 2
Bukit Jelutong
RM 1,600,000
Listed on May 22, 2024
Elmina Green 4
Jalan Samanea U17/93
RM 820,000
Listed on July 6, 2025
Elmina West @ Denai Alam
Jalan Metafasa U16
RM 999,000 /month
Listed on June 27, 2025
Bukit Jelutong Industrial Park
Jalan Astaka U8/88B
RM 350,000
Listed on August 13, 2025
Perdana Heights
Jalan Pulau Angsa U10/1
RM 2,400,000
Listed on May 14, 2024
Radia Residences
Bukit Jelutong
RM 520,000
Listed on April 30, 2024
Elmina Green Three @ City of Elmina
Persiaran Elmina
RM 870,000
Listed on July 10, 2025
Studio Fourteen
Section 14
RM 1,400
Listed on April 21, 2026
Mezzo
Jalan U8/1, Bukit Jelutong
RM 2,000,000 /month
Listed on April 23, 2026
Radia Residences
Radia Bukit Jelutong, Persiaran Singgah Sana
RM 470,000 /month
Listed on November 29, 2025
Radia Retail, Seksyen U8
Persiaran Singgahsana
RM 2,300
Listed on June 30, 2025
Laman Seri Business Park
Persiaran Laman Seri Business Park
RM 4,900
Listed on April 27, 2026
Emporis
Taman Sains Selangor, Kota Damansara
RM 1,800
Listed on June 27, 2026
Andira @ Denai Alam U16
Jalan Elektron U16
RM 730,000
Listed on April 29, 2024
Dian Residency
Persiaran Sukan
RM 2,000
Listed on April 9, 2026
Bukit Jelutong
Jalan Jeriji U8/76
RM 850,000
Listed on December 3, 2020
Sunwaymas Commercial Centre
Sunwaymas Commercial Centre
RM 1,200 /month
Listed on January 13, 2021
Cahaya SPK
Precinct 5
RM 1,850,000
Listed on April 13, 2021
Radia Offices
Persiaran Arked, Bukit Jelutong
RM 4,000
Listed on June 15, 2026
Bukit Jelutong
Persiaran Gerbang Utama
RM 950,000
Listed on December 10, 2024
D'Cosmos Residences @ Central Park Damansara
Jalan PJU 8/8, Damansara Perdana
RM 698,000
Listed on April 17, 2024
Studio Fourteen
Section 14
RM 295,000
Listed on May 15, 2026
Radia Residences
Radia Bukit Jelutong, Persiaran Singgah Sana
RM 2,000
Listed on April 20, 2026
Radia Offices
Persiaran Arked, Bukit Jelutong
RM 3,700
Listed on July 7, 2026
Radia Residences
Radia Bukit Jelutong, Persiaran Singgah Sana
RM 450,000 /month
Listed on December 20, 2025
Radia Retail, Seksyen U8
Persiaran Arked
RM 8,000
Listed on June 15, 2026
Bukit Jelutong Industrial Park
Jalan Astaka U8/88B
RM 820,000
Listed on August 13, 2025
TTDI Adina
Jalan Judo 13/45, Seksyen 13, Shah Alam, 40100, Selangor
RM 550,000
Listed on August 3, 2024
Bukit Jelutong
Persiaran Gerbang Utama
RM 1,300,000
Listed on May 29, 2024
AERA Residence
Jalan PJS 5/28
RM 2,500
Listed on June 15, 2026
Renai Jelutong Residences
Persiaran Balairong, Bukit Jelutong
RM 2,300
Listed on June 17, 2025
Radia Residences
Bukit Jelutong
RM 649,000
Listed on January 12, 2024
Jalan Bukit Rahman Putra
Jalan Bukit Rahman Putra
RM 15,000
Listed on July 6, 2025
Radia Residences
Bukit Jelutong
RM 649,000
Listed on January 12, 2024
Lagenda 1
Bukit Jelutong
RM 2,400,000 /month
Listed on April 23, 2026
Notting Hill
Bukit Rahman Putra, Sungai Buloh
RM 5,800,000
Listed on April 27, 2024
Bukit Jelutong
Jalan Ubin U8/19
RM 1,999,000 /month
Listed on December 10, 2025
Radia Retail, Seksyen U8
Persiaran Singgahsana
RM 706,647
Listed on May 9, 2024
Radia Residences
Radia Bukit Jelutong, Persiaran Singgah Sana
RM 640,000
Listed on August 1, 2025
Radia Retail, Seksyen U8
Persiaran Singgahsana, Bukit Jelutong
RM 1,973,000
Listed on May 9, 2024
Astellia Residences
Jalan Elektron U16/61
RM 3,150,000
Listed on March 14, 2023
Ivy Terrace & Clover Park Denai Alam
Jalan Elektron U16/57, Denai Alam
RM 1,290,000
Listed on April 28, 2024
Radia Retail, Seksyen U8
Persiaran Singgahsana
RM 3,800 /month
Listed on September 4, 2025
Lagenda 2
Bukit Jelutong
RM 1,920,000
Listed on May 27, 2024
Metia Residence
Persiaran Sukan, Seksyen 13, Shah Alam
RM 2,100
Listed on June 15, 2026
Radia Residences
Radia Bukit Jelutong, Persiaran Singgah Sana
RM 950,000 /month
Listed on December 20, 2025
Lagenda 2
Jalan Teratak U8/96, Bukit Jelutong
RM 1,600,000
Listed on May 22, 2024
D'Vida Business Park
Bukit Jelutong
RM 2,400,000
Listed on January 11, 2021
Radia Retail, Seksyen U8
Persiaran Singgahsana
RM 2,300
Listed on July 2, 2025
Seri Maya Condominium
Jalan Jelatek
RM 580,000 /month
Listed on November 18, 2025
Elmina Green 3
Jalan Cassia U17/68
RM 3,800
Listed on April 16, 2026
Plaza Rah
Jalan Raja Abdullah, Kampung Baru, 50300, Kuala Lumpur
RM 3,200 /month
Listed on July 25, 2024
Elmina Green 1
Jalan Casuarina, Elmina, Green 1
RM 2,600
Listed on April 16, 2026
Emporis
Taman Sains Selangor, Kota Damansara, 47810, Selangor
RM 2,100
Listed on January 24, 2025
Ferrea Denai Alam
Jalan Elektron U16/55
RM 1,160,000
Listed on March 21, 2024
Bukit Jelutong
Jalan Serambi U8/21
RM 1,380,000 /month
Listed on December 9, 2025
Radia Residences
Radia Bukit Jelutong, Persiaran Singgah Sana
RM 550,000 /month
Listed on December 20, 2025
Mezzo
Jalan U8/1, Bukit Jelutong
RM 2,400,000 /month
Listed on April 23, 2026
Trilia Residence, Bukit Jelutong
Jalan Lelangit U8/45
RM 2,950,000
Listed on January 3, 2024
Trilia Residence
Jalan Lelangit U8/45
RM 2,500,000
Listed on June 11, 2024
AERA Residence
Jalan PJS 5/28
RM 468,000 /month
Listed on December 19, 2025
i-Soho @ i-City
Persiaran Multimedia
RM 1,200 /month
Listed on December 30, 2025
Bukit Jelutong
Persiaran Gerbang Utama
RM 2,600,000
Listed on December 9, 2024
Cova Square
Jalan Teknologi, Kota Damansara PJU 5, Selangor
RM 1,700
Listed on January 10, 2025
Bukit Jelutong
Persiaran Gerbang Utama
RM 2,400,000
Listed on May 6, 2024
Elmina Valley 2
Jalan Metafasa U16
RM 2,800
Listed on July 6, 2025
Bukit Jelutong
Jalan Kubah
RM 800,000
Listed on April 3, 2021
Radia Residences
Radia Bukit Jelutong, Persiaran Singgah Sana
RM 575,000 /month
Listed on December 20, 2025
Elmina Valley 4
Jalan Hopea U15/17A
RM 890,000 /month
Listed on December 16, 2025
Garden Homes, Jalan Birai Bukit Jelutong
Jalan Birai
RM 1,350,000
Listed on January 3, 2024
Radia Residences
Persiaran Singgahsana
RM 1,900 /month
Listed on June 6, 2024
Radia Residences
Radia Bukit Jelutong, Persiaran Singgah Sana
RM 598,000 /month
Listed on December 19, 2025
Fern Lane Denai Alam
Jalan Elektron U16/68, Denai Alam
RM 1,300,000 /month
Listed on April 9, 2026
Denai Alam
Jalan Elektron U16
RM 1,400,000
Listed on April 12, 2024
Bukit Jelutong
Jalan Kubah U8/49
RM 1,080,000
Listed on July 25, 2025
Seri Maya Condominium
Jalan Jelatek, 54200, Kuala Lumpur
RM 2,500 /month
Listed on August 6, 2024
Bukit Jelutong
Jalan Serambi U8/21
RM 1,400,000 /month
Listed on December 10, 2025
Elmina Green Seven Phase 1
Jalan Cassia U17/85
RM 3,000
Listed on November 9, 2025
Verdania
Jalan Metafasa
RM 1,280,000
Listed on March 13, 2024
Seri Maya Condominium
Jalan Jelatek
RM 1,300,000 /month
Listed on November 19, 2025
Our newly launched projects
Discover the real estate properties in and around Kuala Lumpur, Malaysia. Buy apartment units, landed houses, bungalows, commercial office space, shop lots, and sub-sales with 100% confidence at IQI Global.
Located in Kubang Semang
Northern TechValley @BKE
Mukim 14, Kubang Semang, 14400 Seberang Perai, Penang, Malaysia
Starting from RM 14,495,520
Listed on January 23, 2026
Located in Bukit Minyak
Taman IKS Bukit Minyak
Jalan IKS Bukit Minyak Utama, Taman IKS Bukit Minyak, 14100 Simpang Ampat, Penang, Malaysia.
Starting from RM 1,203,800
Listed on January 23, 2026
Located in Simpang Ampat
Regalway Industrial Hub (Industrial)
Regalway Industrial Hub, Off Jalan Bukit Panchor, Bukit Panchor, 14100 Simpang Ampat, Penang, Malaysia.
Starting from RM 5,015,000
Listed on January 23, 2026
Spacious land area
Taman Jasa Ria (Garden Villa)
Jalan Permatang Pasir, Taman Jasa Ria, 14000 Bukit Mertajam, Penang, Malaysia
Starting from RM 1,118,800
Listed on January 23, 2026
Located in Bukit Mertajam
Taman Jasa Intan (Garden Superlink)
Jalan Jasa Intan, Taman Jasa Intan, 14000 Bukit Mertajam, Penang, Malaysia
Starting from RM 818,000
Listed on January 23, 2026
Located in Nibong Tebal
Taman Fajar Permai (Sunrise Terrace)
Jalan Fajar, Taman Fajar Permai, 14300 Nibong Tebal, Penang, Malaysia.
Starting from RM 550,000
Listed on January 23, 2026
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TL;DR LHDN refunded RM9.35 billion to over 3 million taxpayers in the first half of 2025 alone. That money can go straight toward your 10% home down payment. First-time buyers of homes up to RM500,000 get 100% stamp duty exemption until 31 December 2027, saving you roughly RM11,000 in upfront costs. A new tax relief of up to RM7,000 per year on home loan interest (for SPAs signed from 2025 to 2027) means buying now actually pays you back at tax time for three consecutive years. Stack your tax refund with EPF Account 2 withdrawal and stamp duty savings, and you could cover most or all of your upfront costs on a home under RM500,000. Every year between March and May, millions of Malaysians file their taxes through LHDN's e-Filing portal. And every year, a good chunk of those filers discover they have overpaid their PCB (Monthly Tax Deduction) and are owed money back. For most people, the refund hits the bank account and disappears into daily expenses within a week. Groceries, a holiday, a gadget. But what if you redirected that refund toward the single biggest purchase of your life? Your tax refund can be the seed money that makes homeownership real. Not someday. This year. This guide walks you through exactly how to do it, step by step, using strategies that are specific to the Malaysian tax and property system in 2026. Turn Your LHDN Tax Refund Into a Home Down PaymentTL;DRHow Much Could Your Tax Refund Actually Be?Why Your Tax Refund Is Perfect for a Down PaymentStep-by-Step: Turning Your Tax Refund Into a Down PaymentThe Tax Relief That Pays You Back After You BuyWhat Does This Look Like With Real Numbers?Can You Buy a House With Zero Down Payment?How Much Can You Actually Borrow?Common Mistakes to AvoidYour Tax Refund Action Plan (Month by Month)Check Your Home Loan EligibilityFrequently Asked Questions How Much Could Your Tax Refund Actually Be? If your employer has been deducting PCB throughout the year and you claimed all your eligible tax reliefs (lifestyle, medical, EPF, insurance, education), there is a real chance your actual tax liability is lower than what was already deducted. That difference is your refund. LHDN does not publish an "average refund per individual" figure. But the scale tells the story. In the first half of 2025, LHDN returned RM9.35 billion across more than 3 million taxpayers. The government paid out RM22.45 billion in total tax refunds for the full year of 2025, which was the highest amount in five years. Even a refund of RM2,000 to RM5,000 can move the needle when you combine it with the right strategy. Curious how far your salary can stretch for a home loan? Check how much home loan you can get based on your salary. Why Your Tax Refund Is Perfect for a Down Payment Your tax refund is essentially forced savings. It is money you earned but never saw in your monthly budget. That makes it psychologically easier to redirect, because you were never counting on it for rent or food. Here is why it works so well for a down payment specifically. The standard down payment in Malaysia is 10% of the property price. On a RM400,000 home, that is RM40,000. On a RM300,000 home, RM30,000. Those numbers feel massive when you are saving RM500 a month. But a RM3,000 tax refund deposited into a dedicated down payment fund every year for three years is already RM9,000, before interest. The real magic happens when you stack your refund with other money you are entitled to but may not be using. More on that below. Step-by-Step: Turning Your Tax Refund Into a Down Payment Step 1: Maximise your tax reliefs before you file Your refund size depends on how many reliefs you claim. Many Malaysians leave money on the table because they do not keep receipts or do not know what qualifies. For YA 2025 (filed in 2026), key reliefs include RM9,000 automatic personal relief, up to RM4,000 for EPF contributions, up to RM3,000 for life insurance or takaful, up to RM2,500 for lifestyle expenses (books, gadgets, internet), up to RM8,000 for SSPN deposits, and medical expenses for parents up to RM8,000. Claim everything you are entitled to. The difference between a RM500 refund and a RM3,000 refund is often just a few receipts you forgot to keep. Need a walkthrough? See our full list of personal income tax reliefs for 2026. Step 2: Open a dedicated "down payment" savings account Do not let the refund land in your regular spending account. Open a separate high-yield savings account or a fixed deposit and label it "home fund." The moment LHDN processes your refund (typically within 30 working days of e-Filing), transfer it immediately. This is the single most important behavioural change. Money that stays visible in your daily account gets spent. Step 3: Use the calculator to set your target Before you can plan, you need a number. Use the calculator below to figure out exactly how much you need to save, how long it will take, and what your monthly contribution should be. Estimates for guidance only. Actual figures depend on the bank's assessment, current rates, and your full financial profile. Step 4: Stack your refund with EPF Account 2 This is where many first-time buyers unlock a breakthrough they did not expect. EPF allows you to withdraw from Account 2 to fund a home purchase. This covers down payments, stamp duty, and even monthly loan instalments through the Flexible Housing Withdrawal scheme. The minimum balance required is just RM500 in Account 2. For first-time buyers, this falls under Category 1, which covers the down payment plus an additional 10% for stamp duty and legal fees. So your equation becomes: tax refund + EPF Account 2 withdrawal + personal savings = down payment covered. Want the full breakdown on EPF housing withdrawal? Read our step-by-step EPF Account 2 withdrawal guide. Step 5: Claim the stamp duty exemption to keep more cash If you are a first-time Malaysian buyer purchasing a home priced at RM500,000 or below, you qualify for a 100% stamp duty exemption on both the Memorandum of Transfer (MOT) and the loan agreement. This exemption has been extended under Budget 2026 until 31 December 2027. On a RM500,000 home, this saves you approximately RM11,000 in fees that would otherwise eat into your cash reserves on top of the down payment. That RM11,000 you do not have to pay? It stays in your pocket. Which means your tax refund stretches even further. Understand how this exemption works in detail. Read our stamp duty exemption guide for 2027. The Tax Relief That Pays You Back After You Buy Here is the part most people miss entirely. Under Budget 2025, the government introduced a new income tax relief on home loan interest payments for first-time buyers. If your SPA is signed between 1 January 2025 and 31 December 2027, you can claim up to RM7,000 per year in tax relief on the interest portion of your home loan for homes priced up to RM500,000. For homes priced between RM500,001 and RM750,000, the cap is RM5,000 per year. This relief is claimable for three consecutive years starting from the year you first pay the housing loan interest. Think about what this means in practice. You use your 2025 tax refund to help fund the down payment. You buy the house. Then for the next three years, your home loan interest reduces your taxable income, which generates even bigger refunds that help you manage the new mortgage. Your refund funds the house. The house funds bigger refunds. It is a virtuous cycle. Two conditions to note: the property must be for your own residence (not rented out), and homes above RM750,000 do not qualify for this relief. What Does This Look Like With Real Numbers? Let us walk through a worked example for a first-time buyer earning RM5,000 per month (RM60,000 per year) eyeing a RM400,000 apartment. ItemAmount (RM)Down payment (10%)40,000Estimated tax refund (YA 2025)2,800EPF Account 2 withdrawal (estimated)25,000Stamp duty savings (100% exemption)~9,000 savedPersonal savings needed~12,200Annual tax relief on loan interest (3 years)Up to 7,000/year Without the refund, the EPF withdrawal, and the stamp duty exemption, you would need to save RM49,000 or more in cash. With these three tools combined, the gap drops to around RM12,200 in personal savings. And for the next three years, the home loan interest relief puts up to RM7,000 back into your tax calculation annually, which translates to real ringgit savings depending on your tax bracket. Can You Buy a House With Zero Down Payment? For some buyers, yes. Government schemes like SJKP (Skim Jaminan Kredit Perumahan) provide 100% financing for eligible first-time buyers. Certain developers also offer zero-entry or rebate packages that effectively absorb the deposit. But "zero down payment" does not mean zero cost. Legal fees, valuation fees, and moving expenses still apply. Your tax refund can cover those. Explore all your options. Read our guide on buying a house in Malaysia without a down payment. How Much Can You Actually Borrow? Your down payment is only half the equation. The other half is your loan eligibility. Banks assess your Debt Service Ratio (DSR) and credit score before approving a mortgage. Use the calculator below to see where you stand. Estimates for guidance only. Actual figures depend on the bank's assessment, current rates, and your full financial profile. Want to understand the financial jargon before you walk into the bank? Read our guide to financial terms every home buyer should know. Common Mistakes to Avoid Spending the refund before it arrives. Do not mentally allocate your refund to a holiday or gadget. The moment you file your taxes, set the expectation that any refund goes into your home fund. Not claiming all reliefs. Every unclaimed receipt is money you are giving back to LHDN. Start a digital folder on your phone today and photograph every qualifying receipt for the rest of the year. Ignoring the SPA deadline. The home loan interest tax relief and stamp duty exemption both require SPAs signed by 31 December 2027. If you plan to buy, the clock is ticking. Draining EPF without thinking about retirement. EPF withdrawal is powerful, but it reduces your retirement savings. Withdraw strategically, not emotionally. Use it for the down payment, but do not empty the account. Forgetting the "hidden" costs. The down payment is not the only upfront expense. Legal fees, valuation fees, and moving costs add up. Plan for 10% to 18% of the property price as total upfront outlay. Surprised by the true cost? See what a RM500k house actually costs in 2026. Your refund is sitting in your bank. Your EPF is waiting. The exemption expires in 2027. You don't have to figure this out alone. An IQI agent reviews your budget, shortlists homes you can actually afford, and walks you through every step from loan to keys. Free, and no pressure. Talk to a local IQI agent and buy with confidence Your Tax Refund Action Plan (Month by Month) Here is a practical timeline to turn your next tax refund into a real down payment. WhenWhat to DoJanuary to FebruaryGather all receipts and relief documents. Open your dedicated "home fund" account if you haven't already.March to AprilFile your e-Filing early. Claim every relief. Early filers get refunds faster.April to MayRefund hits your bank. Transfer it immediately to your home fund. Do not touch it.June to AugustCheck your EPF Account 2 balance. Talk to an IQI agent about homes in your budget range.September to DecemberGet pre-approved for a home loan. Start viewing properties. Sign the SPA before the exemption deadline. Check Your Home Loan Eligibility Before you start viewing houses, know what the bank is willing to lend you. This depends on your income, existing debts, and credit score. Estimates for guidance only. Actual figures depend on the bank's assessment, current rates, and your full financial profile. Frequently Asked Questions Can I use my LHDN tax refund for a home down payment? Yes. Your tax refund is cash deposited into your bank account. There are no restrictions on using it for a property purchase, including the 2% earnest deposit or the remaining 8% of the down payment due at SPA signing. How much tax refund can I expect in Malaysia? It depends on your income, PCB deductions, and the reliefs you claim. LHDN refunded RM9.35 billion to over 3 million taxpayers in the first half of 2025. Individual refunds typically range from a few hundred ringgit to several thousand, depending on how much your employer over-deducted and how many reliefs you claim. What is the first home loan interest tax relief? For SPAs signed between 1 January 2025 and 31 December 2027, first-time buyers can claim up to RM7,000 per year (homes up to RM500,000) or RM5,000 per year (homes RM500,001 to RM750,000) in tax relief on the interest portion of their home loan. This is claimable for three consecutive years. Can I combine my tax refund with EPF withdrawal for a down payment? Yes. EPF Account 2 allows withdrawals for housing purchases, covering down payments, stamp duty, and legal fees. Your tax refund and EPF withdrawal can be combined with personal savings to meet the 10% down payment requirement. Is the stamp duty exemption for first-time buyers still available in 2026? Yes. The 100% stamp duty exemption on both the MOT and loan agreement for first-time buyers purchasing homes up to RM500,000 has been extended until 31 December 2027 under Budget 2026. How long does LHDN take to process my tax refund? For e-Filing submissions, LHDN targets processing within 30 working days. Manual filing may take up to 90 working days. Filing early (March to April) typically results in faster refund processing. The numbers add up. The exemptions are live. The only missing piece is the right home. An IQI agent helps you from budget check to keys in hand. Over 30,000 property professionals across 20+ countries. Free consultation, no pressure, no hidden fees. [custom_blog_form] Continue reading: References: Ministry of Finance Malaysia. (2025, August 20). LHDN Refunds RM9.35 Bln In Excess Taxes To 3 Mln Taxpayers. Retrieved from mof.gov.my Malay Mail. (2026, March 6). MOF: RM6.2b in tax refunds disbursed as of Feb 18. Retrieved from malaymail.com Free Malaysia Today. (2024, October 18). RM7,000 tax relief on first homes costing up to RM500,000. Retrieved from freemalaysiatoday.com Bernama. (2024, October 18). Individual Income Tax Relief on Loan Interest Payment For First House. Retrieved from bernama.com KWSP / EPF Malaysia. EPF Housing Withdrawal. Retrieved from kwsp.gov.my LHDN Malaysia. Income Tax Rates and Reliefs for YA 2025. Retrieved from hasil.gov.my
Property Fundamentals Pass the Mid-Year Test The first half of 2026 tested global property markets through regional security tensions, temporary repricing and changing financing conditions. What followed was a rapid recovery and a clearer investment picture. Capital is now moving towards markets supported by demographics, infrastructure and policy, rather than short-term speculation. The United Arab Emirates demonstrated strong resilience. Dubai recorded approximately AED 286 billion in property sales during H1 2026, the second-highest first-half result on record. Rental yields remain near 7%, while freehold ownership, tax-free rental income and Golden Visa eligibility continue to attract international investors. Saudi Arabia is emerging as a new foreign investment destination following the introduction of its non-Saudi property ownership law in January 2026. Riyadh offers gross yields of around 7% to 9%, while apartment rents have risen nearly 20% year-on-year. More than 780 multinational companies have also committed to establishing regional headquarters in the Kingdom. Malaysia and Japan Offer Different Strengths Malaysia remains one of ASEAN’s most accessible growth markets. Property transactions reached RM241.9 billion in 2025, while Johor attracted a record RM110 billion in approved investment. The upcoming Rapid Transit System Link between Johor Bahru and Singapore is strengthening interest near station locations, where selected units have already appreciated 18% to 20%. Prime transit-linked properties in the Klang Valley continue to offer yields of approximately 4% to 5%. Japan provides a more defensive opportunity. The average price of a new condominium in Tokyo’s 23 wards reached ¥137.8 million, up 18.5%, while supply fell to its lowest level since 1973. High occupancy, transparent ownership rules and a weaker yen continue to support demand. Outlook The strongest property opportunities in the second half of 2026 are likely to be found in markets where policy reform, infrastructure investment and genuine demand support long-term returns. The UAE and Saudi Arabia offer stronger yields, Malaysia provides accessible growth, while Japan remains a stable portfolio anchor. Download to see insights from other country marketsDownload
30 Jul, 2026
Vietnam Property Market Outlook 2026: Infrastructure Corridors Lead the Next Growth Cycle
Vietnam’s Housing Market Enters a Selective Reset Vietnam’s residential market entered August 2026 in a period of consolidation. Prices remain relatively firm, but transaction activity is slower as buyers become more selective and borrowing costs stay elevated. During Q2 2026, developers launched approximately 12,000 primary condominiums across the enlarged Ho Chi Minh City market and more than 4,000 units in Hanoi. However, luxury absorption remained below 30% in Ho Chi Minh City, while Hanoi’s take-up rate eased to around 20%. Inner-city primary prices reached approximately USD 5,400 to USD 9,500 per square metre. Pressure was more visible in the secondary market, where prices declined 5% to 8% in Ho Chi Minh City and by as much as 12% in parts of Hanoi. Floating mortgage rates of 13% to 16% are encouraging some owners to lower asking prices. However, the market has not experienced widespread distress, while the new land-price framework is helping maintain a floor under development costs and headline prices. Infrastructure Redirects Property Demand Vietnam has approximately 234 major infrastructure projects worth VND 3.4 quadrillion underway. These investments are shifting demand from crowded central districts towards better-connected suburban and regional corridors. In the south, growth is concentrating around the Ho Chi Minh City and Dong Nai corridor, supported by Long Thanh International Airport, new ring roads, expressways and Metro Line 1. Northern demand is moving towards Hanoi’s gateway districts and neighbouring Hung Yen and Bac Ninh. Da Nang is also showing stronger primary-market activity, supported by limited prime coastal supply. Outlook Vietnam’s next property cycle is expected to favour patience and careful asset selection rather than short-term speculation. With average gross rental yields near 3.85%, investment returns will depend increasingly on infrastructure-led capital appreciation. Legally clear projects with strong connectivity and genuine end-user demand should remain best positioned, particularly for buyers with sufficient holding power and a multi-year investment horizon. Download to see insights from other country marketsDownload
Bangkok Retail Market Enters a New Phase Bangkok’s retail property market is evolving as developers place greater emphasis on transit-oriented locations, experiential concepts and asset repositioning. Total retail supply reached 9.27 million square metres in Q1 2026, recording only a marginal 0.12% quarter-on-quarter decline. This reflects a relatively stable market despite wider economic uncertainty and a fresh pipeline of new space. Retail development is becoming increasingly divided between neighbourhood-focused community malls and larger shopping centres connected to mass-transit networks. Another 300,000 square metres of retail space is scheduled for completion during 2026, increasing competition among existing and upcoming projects. Occupancy Improves as Tenant Demand Shifts Bangkok’s overall retail occupancy rate rose to 89% in Q1 2026, compared with 85% a year earlier and around 84% throughout much of 2024. Demand remains strongest among luxury brands, food and beverage operators, wellness providers and experience-led tenants. Higher-performing malls are allocating more space to leisure, lifestyle services and community activities that encourage repeat visits. CBD shopping mall rents averaged 2,852 baht per square metre per month, above the northern fringe at 2,230 bahtand the eastern fringe at 2,300 baht. Community malls remained more affordable, with average CBD rents of 1,755 baht per square metre, compared with 1,200 baht in the northern fringe and 1,250 baht in the eastern fringe. Outlook Competition may place pressure on average occupancy as consumers become more selective about where they spend their time and money. Projects combining strong transit access, distinctive experiences and a clear market identity are expected to perform best. Retail centres that respond to changing consumer habits through wellness, dining, entertainment and community-focused concepts should remain better positioned as new supply enters the Bangkok market. Download to see insights from other country marketsDownload
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