{"id":131449,"date":"2026-08-03T10:42:53","date_gmt":"2026-08-03T02:42:53","guid":{"rendered":"https:\/\/iqiglobal.com\/blog\/?p=131449"},"modified":"2026-08-03T10:42:53","modified_gmt":"2026-08-03T02:42:53","slug":"how-to-use-tax-refund-for-home-down-payment","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/how-to-use-tax-refund-for-home-down-payment\/","title":{"rendered":"How to Use Your Tax Refund for a House Down Payment in Malaysia (2026)"},"content":{"rendered":"\n

TL;DR<\/h2>\n\n\n\n
\n
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.<\/li>\n\n\n\n
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.<\/li>\n\n\n\n
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.<\/li>\n\n\n\n
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.<\/li>\n<\/ul>\n\n\n\n
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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.<\/p>\n\n\n\n
For most people, the refund hits the bank account and disappears into daily expenses within a week. Groceries, a holiday, a gadget.<\/p>\n\n\n\n
But what if you redirected that refund toward the single biggest purchase of your life?<\/p>\n\n\n\n
Your tax refund can be the seed money that makes homeownership real.<\/strong> Not someday. This year.<\/p>\n\n\n\n
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.<\/p>\n\n\n\n
\n\n\n\n
Turn Your LHDN Tax Refund Into a Home Down Payment<\/h2>
TL;DR<\/a><\/li>
How Much Could Your Tax Refund Actually Be?<\/a><\/li>
Why Your Tax Refund Is Perfect for a Down Payment<\/a><\/li>
Step-by-Step: Turning Your Tax Refund Into a Down Payment<\/a><\/li>
The Tax Relief That Pays You Back After You Buy<\/a><\/li>
What Does This Look Like With Real Numbers?<\/a><\/li>
Can You Buy a House With Zero Down Payment?<\/a><\/li>
How Much Can You Actually Borrow?<\/a><\/li>
Common Mistakes to Avoid<\/a><\/li>
Your Tax Refund Action Plan (Month by Month)<\/a><\/li>
Check Your Home Loan Eligibility<\/a><\/li>
Frequently Asked Questions<\/a><\/li><\/ul><\/div>\n\n\n\n
\n\n\n\n
How Much Could Your Tax Refund Actually Be?<\/h2>\n\n\n\n
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.<\/p>\n\n\n\n
That difference is your refund.<\/p>\n\n\n\n
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.<\/p>\n\n\n\n
Even a refund of RM2,000 to RM5,000 can move the needle when you combine it with the right strategy.<\/p>\n\n\n\n
Curious how far your salary can stretch for a home loan? Check how much home loan you can get based on your salary<\/a>.<\/p>\n\n\n\n
Why Your Tax Refund Is Perfect for a Down Payment<\/h2>\n\n\n\n
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.<\/p>\n\n\n\n
Here is why it works so well for a down payment specifically.<\/p>\n\n\n\n
The standard down payment in Malaysia is 10% of the property price<\/strong>. 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.<\/p>\n\n\n\n
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.<\/p>\n\n\n\n
Step-by-Step: Turning Your Tax Refund Into a Down Payment<\/h2>\n\n\n\nStep 1: Maximise your tax reliefs before you file<\/h3>\n\n\n\n
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.<\/p>\n\n\n\n
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.<\/p>\n\n\n\n
Claim everything you are entitled to.<\/strong> The difference between a RM500 refund and a RM3,000 refund is often just a few receipts you forgot to keep.<\/p>\n\n\n\n
Need a walkthrough? See our full list of personal income tax reliefs for 2026<\/a>.<\/p>\n\n\n\n
Step 2: Open a dedicated “down payment” savings account<\/h3>\n\n\n\n
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.”<\/p>\n\n\n\n
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.<\/p>\n\n\n\n
Step 3: Use the calculator to set your target<\/h3>\n\n\n\n
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.<\/p>\n\n\n\n<\/iframe>\n\n\n\n<p>Estimates for guidance only. Actual figures depend on the bank’s assessment, current rates, and your full financial profile.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-4-stack-your-refund-with-epf-account-2\">Step 4: Stack your refund with EPF Account 2<\/h3>\n\n\n\n<p>This is where many first-time buyers unlock a breakthrough they did not expect.<\/p>\n\n\n\n<p><strong>EPF allows you to withdraw from Account 2 to fund a home purchase.<\/strong> This covers down payments, stamp duty, and even monthly loan instalments through the Flexible Housing Withdrawal scheme.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>So your equation becomes: tax refund + EPF Account 2 withdrawal + personal savings = down payment covered.<\/p>\n\n\n\n<p>Want the full breakdown on EPF housing withdrawal? <a href=\"https:\/\/iqiglobal.com\/blog\/withdraw-epf-account-2-buy-house\/\">Read our step-by-step EPF Account 2 withdrawal guide<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-5-claim-the-stamp-duty-exemption-to-keep-more-cash\">Step 5: Claim the stamp duty exemption to keep more cash<\/h3>\n\n\n\n<p>If you are a first-time Malaysian buyer purchasing a home priced at RM500,000 or below, you qualify for a <strong>100% stamp duty exemption<\/strong> on both the Memorandum of Transfer (MOT) and the loan agreement. This exemption has been extended under Budget 2026 until 31 December 2027.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>That RM11,000 you do not have to pay? It stays in your pocket. Which means your tax refund stretches even further.<\/p>\n\n\n\n<p>Understand how this exemption works in detail. <a href=\"https:\/\/iqiglobal.com\/blog\/stamp-duty-waiver-extended-to-2027\/\">Read our stamp duty exemption guide for 2027<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-tax-relief-that-pays-you-back-after-you-buy\">The Tax Relief That Pays You Back After You Buy<\/h2>\n\n\n\n<p>Here is the part most people miss entirely.<\/p>\n\n\n\n<p>Under Budget 2025, the government introduced a <strong>new income tax relief on home loan interest payments for first-time buyers<\/strong>. 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.<\/p>\n\n\n\n<p>This relief is claimable for three consecutive years starting from the year you first pay the housing loan interest.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p><strong>Your refund funds the house. The house funds bigger refunds.<\/strong> It is a virtuous cycle.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-this-look-like-with-real-numbers\">What Does This Look Like With Real Numbers?<\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Item<\/th><th class=\"has-text-align-right\" data-align=\"right\">Amount (RM)<\/th><\/tr><\/thead><tbody><tr><td>Down payment (10%)<\/td><td class=\"has-text-align-right\" data-align=\"right\">40,000<\/td><\/tr><tr><td>Estimated tax refund (YA 2025)<\/td><td class=\"has-text-align-right\" data-align=\"right\">2,800<\/td><\/tr><tr><td>EPF Account 2 withdrawal (estimated)<\/td><td class=\"has-text-align-right\" data-align=\"right\">25,000<\/td><\/tr><tr><td>Stamp duty savings (100% exemption)<\/td><td class=\"has-text-align-right\" data-align=\"right\">~9,000 saved<\/td><\/tr><tr><td>Personal savings needed<\/td><td class=\"has-text-align-right\" data-align=\"right\">~12,200<\/td><\/tr><tr><td>Annual tax relief on loan interest (3 years)<\/td><td class=\"has-text-align-right\" data-align=\"right\">Up to 7,000\/year<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-you-buy-a-house-with-zero-down-payment\">Can You Buy a House With Zero Down Payment?<\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>But “zero down payment” does not mean zero cost. Legal fees, valuation fees, and moving expenses still apply. Your tax refund can cover those.<\/p>\n\n\n\n<p>Explore all your options. <a href=\"https:\/\/iqiglobal.com\/blog\/buy-house-in-malaysia-without-down-payment\/\">Read our guide on buying a house in Malaysia without a down payment<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-can-you-actually-borrow\">How Much Can You Actually Borrow?<\/h2>\n\n\n\n<p>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.<\/p>\n\n\n\n<iframe src=\"https:\/\/iqiglobal.com\/calculator\/dsr-calculator-iframe\" width=\"100%\" height=\"780\" frameborder=\"0\" title=\"IQI DSR Calculator\" loading=\"lazy\"><\/iframe>\n\n\n\n<p>Estimates for guidance only. Actual figures depend on the bank’s assessment, current rates, and your full financial profile.<\/p>\n\n\n\n<p>Want to understand the financial jargon before you walk into the bank? <a href=\"https:\/\/iqiglobal.com\/blog\/financial-terms-home-buyer-malaysia\/\">Read our guide to financial terms every home buyer should know<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-common-mistakes-to-avoid\">Common Mistakes to Avoid<\/h2>\n\n\n\n<p><strong>Spending the refund before it arrives.<\/strong> 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.<\/p>\n\n\n\n<p><strong>Not claiming all reliefs.<\/strong> 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.<\/p>\n\n\n\n<p><strong>Ignoring the SPA deadline.<\/strong> 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.<\/p>\n\n\n\n<p><strong>Draining EPF without thinking about retirement.<\/strong> 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.<\/p>\n\n\n\n<p><strong>Forgetting the “hidden” costs.<\/strong> 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.<\/p>\n\n\n\n<p>Surprised by the true cost? <a href=\"https:\/\/iqiglobal.com\/blog\/real-cost-buying-house-malaysia\/\">See what a RM500k house actually costs in 2026<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_small\">\n\n\n\n<p><strong>Your refund is sitting in your bank. Your EPF is waiting. The exemption expires in 2027.<\/strong><\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p><a href=\"https:\/\/iqiglobal.com\/agents\" target=\"_blank\" rel=\"noreferrer noopener\">Talk to a local IQI agent<\/a> and buy with confidence<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_small\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-your-tax-refund-action-plan-month-by-month\">Your Tax Refund Action Plan (Month by Month)<\/h2>\n\n\n\n<p>Here is a practical timeline to turn your next tax refund into a real down payment.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">When<\/th><th class=\"has-text-align-left\" data-align=\"left\">What to Do<\/th><\/tr><\/thead><tbody><tr><td>January to February<\/td><td>Gather all receipts and relief documents. Open your dedicated “home fund” account if you haven’t already.<\/td><\/tr><tr><td>March to April<\/td><td>File your e-Filing early. Claim every relief. Early filers get refunds faster.<\/td><\/tr><tr><td>April to May<\/td><td>Refund hits your bank. Transfer it immediately to your home fund. Do not touch it.<\/td><\/tr><tr><td>June to August<\/td><td>Check your EPF Account 2 balance. Talk to an IQI agent about homes in your budget range.<\/td><\/tr><tr><td>September to December<\/td><td>Get pre-approved for a home loan. Start viewing properties. Sign the SPA before the exemption deadline.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-check-your-home-loan-eligibility\">Check Your Home Loan Eligibility<\/h2>\n\n\n\n<p>Before you start viewing houses, know what the bank is willing to lend you. This depends on your income, existing debts, and credit score.<\/p>\n\n\n\n<iframe src=\"https:\/\/iqiglobal.com\/calculator\/home-loan-eligibility-calculator\" width=\"100%\" height=\"900\" frameborder=\"0\" title=\"IQI Home Loan Eligibility Calculator\" loading=\"lazy\"><\/iframe>\n\n\n\n<p>Estimates for guidance only. Actual figures depend on the bank’s assessment, current rates, and your full financial profile.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1785468904212\"><strong class=\"schema-faq-question\">Can I use my LHDN tax refund for a home down payment?<\/strong> <p class=\"schema-faq-answer\">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.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785468914655\"><strong class=\"schema-faq-question\">How much tax refund can I expect in Malaysia?<\/strong> <p class=\"schema-faq-answer\">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.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785468924368\"><strong class=\"schema-faq-question\">What is the first home loan interest tax relief?<\/strong> <p class=\"schema-faq-answer\">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.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785468935734\"><strong class=\"schema-faq-question\">Can I combine my tax refund with EPF withdrawal for a down payment?<\/strong> <p class=\"schema-faq-answer\">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.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785468944556\"><strong class=\"schema-faq-question\">Is the stamp duty exemption for first-time buyers still available in 2026?<\/strong> <p class=\"schema-faq-answer\">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.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1785468953054\"><strong class=\"schema-faq-question\">How long does LHDN take to process my tax refund?<\/strong> <p class=\"schema-faq-answer\">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.<\/p> <\/div> <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_small\">\n\n\n\n<p><strong>The numbers add up. The exemptions are live. The only missing piece is the right home.<\/strong><\/p>\n\n\n\n<p><strong>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.<\/strong> <\/p>\n\n\n\n\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/leads\/blog\/invest\" method=\"post\">\n\t\t<input type=\"hidden\" name=\"previous_url\" value=\"\">\n <input type=\"hidden\" name=\"action\" value=\"custom_blog_form\">\n\t\t<input type=\"hidden\" name=\"consent_agreement\" value=\"0\">\n\t\t<input type=\"hidden\" name=\"current_url\" value=\"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/131449\">\n\n <input type=\"hidden\" id=\"_wpnonce\" name=\"_wpnonce\" value=\"6117dfa1a8\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/blog\/wp-json\/wp\/v2\/posts\/131449\" \/>\n <div class=\"custom-lead-form-div\">\n <label class=\"custom-lead-form-label\" for=\"full_name\">Full Name:<\/label><br>\n <input type=\"text\" name=\"full_name\" class=\"full-width-input custom-lead-form-input\" required>\n <\/div>\n\n\t\t<div class=\"custom-lead-form-div\">\n <label 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value=\"Belarus\">Belarus<\/option><option value=\"Belgium\">Belgium<\/option><option value=\"Belize\">Belize<\/option><option value=\"Benin\">Benin<\/option><option value=\"Bermuda\">Bermuda<\/option><option value=\"Bhutan\">Bhutan<\/option><option value=\"Bolivia\">Bolivia<\/option><option value=\"Bonaire\">Bonaire<\/option><option value=\"Bosnia and Herzegovina\">Bosnia and Herzegovina<\/option><option value=\"Botswana\">Botswana<\/option><option value=\"Bouvet Island\">Bouvet Island<\/option><option value=\"Brazil\">Brazil<\/option><option value=\"British Indian Ocean Territory\">British Indian Ocean Territory<\/option><option value=\"British Virgin Islands\">British Virgin Islands<\/option><option value=\"Brunei Darussalam\">Brunei Darussalam<\/option><option value=\"Bulgaria\">Bulgaria<\/option><option value=\"Burkina Faso\">Burkina Faso<\/option><option value=\"Burundi\">Burundi<\/option><option value=\"Cambodia\">Cambodia<\/option><option value=\"Cameroon\">Cameroon<\/option><option value=\"Canada\">Canada<\/option><option value=\"Cape Verde\">Cape Verde<\/option><option value=\"Cayman Islands\">Cayman Islands<\/option><option value=\"Central African Republic\">Central African Republic<\/option><option value=\"Chad\">Chad<\/option><option value=\"Chile\">Chile<\/option><option value=\"China\">China<\/option><option value=\"Christmas Island\">Christmas Island<\/option><option value=\"Clipperton Island\">Clipperton Island<\/option><option value=\"Cocos (Keeling) Islands\">Cocos (Keeling) Islands<\/option><option value=\"Colombia\">Colombia<\/option><option value=\"Comoros\">Comoros<\/option><option value=\"Congo, Democratic Republic of the\">Congo, Democratic Republic of the<\/option><option value=\"Congo, Republic of the\">Congo, Republic of the<\/option><option value=\"Cook Islands\">Cook Islands<\/option><option value=\"Coral Sea Islands\">Coral Sea Islands<\/option><option value=\"Costa Rica\">Costa Rica<\/option><option value=\"Cote d'Ivoire\">Cote d'Ivoire<\/option><option value=\"Croatia\">Croatia<\/option><option value=\"Cuba\">Cuba<\/option><option value=\"Curacao\">Curacao<\/option><option value=\"Cyprus\">Cyprus<\/option><option value=\"Czech Republic\">Czech Republic<\/option><option value=\"Denmark\">Denmark<\/option><option value=\"Djibouti\">Djibouti<\/option><option value=\"Dominica\">Dominica<\/option><option value=\"Dominican Republic\">Dominican Republic<\/option><option value=\"East Timor\">East Timor<\/option><option value=\"Ecuador\">Ecuador<\/option><option value=\"Egypt\">Egypt<\/option><option value=\"El Salvador\">El Salvador<\/option><option value=\"Equatorial Guinea\">Equatorial Guinea<\/option><option value=\"Eritrea\">Eritrea<\/option><option value=\"Estonia\">Estonia<\/option><option value=\"Ethiopia\">Ethiopia<\/option><option value=\"Europa Island\">Europa Island<\/option><option value=\"Falkland Islands\">Falkland Islands<\/option><option value=\"Faroe Islands\">Faroe Islands<\/option><option value=\"Fiji\">Fiji<\/option><option value=\"Finland\">Finland<\/option><option value=\"France\">France<\/option><option value=\"French Guiana\">French Guiana<\/option><option value=\"French Polynesia\">French Polynesia<\/option><option value=\"French Southern and Antarctic Lands\">French Southern and Antarctic Lands<\/option><option value=\"Gabon\">Gabon<\/option><option value=\"Gaza Strip\">Gaza Strip<\/option><option value=\"Georgia\">Georgia<\/option><option value=\"Germany\">Germany<\/option><option value=\"Ghana\">Ghana<\/option><option value=\"Gibraltar\">Gibraltar<\/option><option value=\"Glorioso Islands\">Glorioso Islands<\/option><option value=\"Greece\">Greece<\/option><option value=\"Greenland\">Greenland<\/option><option value=\"Grenada\">Grenada<\/option><option value=\"Guadeloupe\">Guadeloupe<\/option><option value=\"Guam\">Guam<\/option><option value=\"Guatemala\">Guatemala<\/option><option value=\"Guernsey\">Guernsey<\/option><option value=\"Guinea\">Guinea<\/option><option value=\"Guinea-Bissau\">Guinea-Bissau<\/option><option value=\"Guyana\">Guyana<\/option><option value=\"Haiti\">Haiti<\/option><option value=\"Heard Island and McDonald Islands\">Heard Island and McDonald Islands<\/option><option value=\"Holy See\">Holy See<\/option><option value=\"Honduras\">Honduras<\/option><option value=\"Hong Kong (SAR)\">Hong Kong (SAR)<\/option><option value=\"Howland Island\">Howland Island<\/option><option value=\"Hungary\">Hungary<\/option><option value=\"Iceland\">Iceland<\/option><option value=\"India\">India<\/option><option value=\"Indonesia\">Indonesia<\/option><option value=\"Iran\">Iran<\/option><option value=\"Iraq\">Iraq<\/option><option value=\"Ireland\">Ireland<\/option><option value=\"Isle of Man\">Isle of Man<\/option><option value=\"Israel\">Israel<\/option><option value=\"Italy\">Italy<\/option><option value=\"Jamaica\">Jamaica<\/option><option value=\"Japan\">Japan<\/option><option value=\"Jarvis Island\">Jarvis Island<\/option><option value=\"Jersey\">Jersey<\/option><option value=\"Johnston Atoll\">Johnston Atoll<\/option><option value=\"Jordan\">Jordan<\/option><option value=\"Juan de Nova Island\">Juan de Nova Island<\/option><option value=\"Kazakhstan\">Kazakhstan<\/option><option value=\"Kenya\">Kenya<\/option><option value=\"Kingman Reef\">Kingman Reef<\/option><option value=\"Kiribati\">Kiribati<\/option><option value=\"Kuwait\">Kuwait<\/option><option value=\"Kyrgyzstan\">Kyrgyzstan<\/option><option value=\"Laos\">Laos<\/option><option value=\"Latvia\">Latvia<\/option><option value=\"Lebanon\">Lebanon<\/option><option value=\"Lesotho\">Lesotho<\/option><option value=\"Liberia\">Liberia<\/option><option value=\"Libya\">Libya<\/option><option value=\"Liechtenstein\">Liechtenstein<\/option><option value=\"Lithuania\">Lithuania<\/option><option value=\"Luxembourg\">Luxembourg<\/option><option value=\"Macau (SAR)\">Macau (SAR)<\/option><option value=\"Madagascar\">Madagascar<\/option><option value=\"Malawi\">Malawi<\/option><option value=\"Malaysia\">Malaysia<\/option><option value=\"Maldives\">Maldives<\/option><option value=\"Mali\">Mali<\/option><option value=\"Malta\">Malta<\/option><option value=\"Marshall Islands\">Marshall Islands<\/option><option value=\"Martinique\">Martinique<\/option><option value=\"Mauritania\">Mauritania<\/option><option value=\"Mauritius\">Mauritius<\/option><option value=\"Mayotte\">Mayotte<\/option><option value=\"Mexico\">Mexico<\/option><option value=\"Micronesia\">Micronesia<\/option><option value=\" Federated States of\"> Federated States of<\/option><option value=\"Midway Islands\">Midway Islands<\/option><option value=\"Moldova\">Moldova<\/option><option value=\"Monaco\">Monaco<\/option><option value=\"Mongolia\">Mongolia<\/option><option value=\"Montenegro\">Montenegro<\/option><option value=\"Montserrat\">Montserrat<\/option><option value=\"Morocco\">Morocco<\/option><option value=\"Mozambique\">Mozambique<\/option><option value=\"Myanmar\">Myanmar<\/option><option value=\"Namibia\">Namibia<\/option><option value=\"Nauru\">Nauru<\/option><option value=\"Navassa Island\">Navassa Island<\/option><option value=\"Nepal\">Nepal<\/option><option value=\"Netherlands\">Netherlands<\/option><option value=\"Netherlands Antilles\">Netherlands Antilles<\/option><option value=\"New Caledonia\">New Caledonia<\/option><option value=\"New Zealand\">New Zealand<\/option><option value=\"Nicaragua\">Nicaragua<\/option><option value=\"Niger\">Niger<\/option><option value=\"Nigeria\">Nigeria<\/option><option value=\"Niue\">Niue<\/option><option value=\"Norfolk Island\">Norfolk Island<\/option><option value=\"North Korea\">North Korea<\/option><option value=\"North Macedonia\">North Macedonia<\/option><option value=\"Northern Mariana Islands\">Northern Mariana Islands<\/option><option value=\"Norway\">Norway<\/option><option value=\"Oman\">Oman<\/option><option value=\"Pakistan\">Pakistan<\/option><option value=\"Palau\">Palau<\/option><option value=\"Palestine\">Palestine<\/option><option value=\"Occupied\">Occupied<\/option><option value=\"Palmyra Atoll\">Palmyra Atoll<\/option><option value=\"Panama\">Panama<\/option><option value=\"Papua New Guinea\">Papua New Guinea<\/option><option value=\"Paraguay\">Paraguay<\/option><option value=\"Peru\">Peru<\/option><option value=\"Philippines\">Philippines<\/option><option value=\"Pitcairn Islands\">Pitcairn Islands<\/option><option value=\"Poland\">Poland<\/option><option value=\"Portugal\">Portugal<\/option><option value=\"Puerto Rico\">Puerto Rico<\/option><option value=\"Qatar\">Qatar<\/option><option value=\"R\u00e9union\">R\u00e9union<\/option><option value=\"Romania\">Romania<\/option><option value=\"Russia\">Russia<\/option><option value=\"Rwanda\">Rwanda<\/option><option value=\"Saint Barth\u00e9lemy\">Saint Barth\u00e9lemy<\/option><option value=\"Saint Helena\">Saint Helena<\/option><option value=\"Saint Kitts and Nevis\">Saint Kitts and Nevis<\/option><option value=\"Saint Lucia\">Saint Lucia<\/option><option value=\"Saint Martin (French part)\">Saint Martin (French part)<\/option><option value=\"Saint Pierre and Miquelon\">Saint Pierre and Miquelon<\/option><option value=\"Saint Vincent and the Grenadines\">Saint Vincent and the Grenadines<\/option><option value=\"San Marino\">San Marino<\/option><option value=\"S\u00e3o Tom\u00e9 and Pr\u00edncipe\">S\u00e3o Tom\u00e9 and Pr\u00edncipe<\/option><option value=\"Saudi Arabia\">Saudi Arabia<\/option><option value=\"Senegal\">Senegal<\/option><option value=\"Serbia\">Serbia<\/option><option value=\"Serbia and Montenegro\">Serbia and Montenegro<\/option><option value=\"Seychelles\">Seychelles<\/option><option value=\"Sierra Leone\">Sierra Leone<\/option><option value=\"Singapore\">Singapore<\/option><option value=\"Sint Maarten\">Sint Maarten<\/option><option value=\"Slovakia\">Slovakia<\/option><option value=\"Slovenia\">Slovenia<\/option><option value=\"Solomon Islands\">Solomon Islands<\/option><option value=\"Somalia\">Somalia<\/option><option value=\"South Africa\">South Africa<\/option><option value=\"South Georgia and the South Sandwich Islands\">South Georgia and the South Sandwich Islands<\/option><option value=\"South Korea\">South Korea<\/option><option value=\"South Sudan\">South Sudan<\/option><option value=\"Spain\">Spain<\/option><option value=\"Spratly Islands\">Spratly Islands<\/option><option value=\"Sri Lanka\">Sri Lanka<\/option><option value=\"Sudan\">Sudan<\/option><option value=\"Suriname\">Suriname<\/option><option value=\"Svalbard and Jan Mayen\">Svalbard and Jan Mayen<\/option><option value=\"Swaziland\">Swaziland<\/option><option value=\"Sweden\">Sweden<\/option><option value=\"Switzerland\">Switzerland<\/option><option value=\"Syria\">Syria<\/option><option value=\"Taiwan\">Taiwan<\/option><option value=\" China\"> China<\/option><option value=\"Tajikistan\">Tajikistan<\/option><option value=\"Tanzania\">Tanzania<\/option><option value=\"Thailand\">Thailand<\/option><option value=\"The Bahamas\">The Bahamas<\/option><option value=\"The Gambia\">The Gambia<\/option><option value=\"Togo\">Togo<\/option><option value=\"Tokelau\">Tokelau<\/option><option value=\"Tonga\">Tonga<\/option><option value=\"Trinidad and Tobago\">Trinidad and Tobago<\/option><option value=\"Tromelin Island\">Tromelin Island<\/option><option value=\"Tunisia\">Tunisia<\/option><option value=\"Turkey\">Turkey<\/option><option value=\"Turkmenistan\">Turkmenistan<\/option><option value=\"Turks and Caicos Islands\">Turks and Caicos Islands<\/option><option value=\"Tuvalu\">Tuvalu<\/option><option value=\"Uganda\">Uganda<\/option><option value=\"Ukraine\">Ukraine<\/option><option value=\"United Arab Emirates\">United Arab Emirates<\/option><option value=\"United Kingdom\">United Kingdom<\/option><option value=\"United States\">United States<\/option><option value=\"United States Minor Outlying Islands\">United States Minor Outlying Islands<\/option><option value=\"Uruguay\">Uruguay<\/option><option value=\"Uzbekistan\">Uzbekistan<\/option><option value=\"Vanuatu\">Vanuatu<\/option><option value=\"Venezuela\">Venezuela<\/option><option value=\"Vietnam\">Vietnam<\/option><option value=\"Virgin Islands (US)\">Virgin Islands (US)<\/option><option value=\"Wake Island\">Wake Island<\/option><option value=\"Wallis and Futuna\">Wallis and Futuna<\/option><option value=\"West Bank\">West Bank<\/option><option value=\"Western Sahara\">Western Sahara<\/option><option value=\"Western Samoa\">Western Samoa<\/option><option value=\"World\">World<\/option><option value=\"Yemen\">Yemen<\/option><option value=\"Yugoslavia\">Yugoslavia<\/option><option value=\"Zaire\">Zaire<\/option><option value=\"Zambia\">Zambia<\/option><option value=\"Zimbabwe\">Zimbabwe<\/option>\t\t\t\t\t<\/optgroup>\n <\/select>\n <\/div>\n\n <div class=\"custom-lead-form-div\" style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 20px;\">\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"your_email\">Email:<\/label><br>\n\t\t\t\t<input type=\"email\" name=\"email\" class=\"full-width-input custom-lead-form-input\" required>\n\t\t\t<\/div>\n\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"phone_number\">Phone Number:<\/label><br>\n\t\t\t\t<div class=\"phone-input-wrapper\">\n\t\t\t\t\t<span id=\"country-code-display\">+60<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"phone_number_input\" placeholder=\"123456789\" required>\n\t\t\t\t\t<input type=\"hidden\" name=\"phone_number\" id=\"final_phone_number\">\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n \t<\/div>\n\n\t\t<div id=\"interest-error\" style=\"color: red; display: none;\">\n\t\t\tPlease select at least one interest.\n\t\t<\/div>\n\n\t\t<div id=\"interest-group\" class=\"custom-lead-form-div\">\n\t\t\t<p>\n\t\t\t\t<label class=\"custom-checkbox-label\">I want to (Investor)<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"invest\"> Invest<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"buy\"> Buy<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"sell\"> Sell<\/label><br>\n\t\t\t<\/p>\n\t\t<\/div>\n\n\t\t<div class=\"custom-lead-form-div\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"consent_agreement\" value=\"1\" required> I give my consent to share my information to submit this form. For more details on our data practices, please refer to our <a href=\"https:\/\/www.iqiglobal.com\/privacy-policy\">Privacy Policy.<\/a><\/label><br>\n\t\t\t<input type=\"hidden\" name=\"newsletter\" value=\"0\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"newsletter\" value=\"1\"> I want the latest property updates, marketing emails, and newsletters from IQI Global by subscribing to IQI Global mailing list<\/label><br>\n\t\t<\/div>\n\n\t\t<input type=\"hidden\" name=\"g-recaptcha-response\" id=\"g-recaptcha-response\">\n\n\n <p>\n <button type=\"submit\">Submit<\/button>\n <\/p>\n <\/form>\n\n\t<style>\n .full-width-input {\n width: 100%;\n padding: 8px;\n box-sizing: border-box;\n }\n\t\t.custom-lead-form-div {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.custom-lead-form-input {\n\t\t\tpadding: 8px 12px !important;\n\t\t\tborder-color: var(--theme-color-input_bd_color) !important;\n\t\t}\n\t\t.custom-lead-form-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 500 !important;\n\t\t}\n\n\t\t.custom-checkbox-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 400 !important;\n\t\t}\n\n\t\t.phone-input-wrapper {\n\t\t\tdisplay: flex;\n\t\t\talign-items: center;\n\t\t\tborder: 1px solid #ffb199; \/* soft orange border *\/\n\t\t\tborder-radius: 30px;\n\t\t\toverflow: hidden;\n\t\t\tbackground-color: #fff9f8;\n\t\t\tmax-width: 100%;\n\t\t}\n\n\t\t#country-code-display {\n\t\t\tpadding: 10px 14px;\n\t\t\tbackground-color: #f3f3f3;\n\t\t\tborder-right: 1px solid #ffb199;\n\t\t\tfont-size: 16px;\n\t\t\tcolor: #333;\n\t\t\twhite-space: nowrap;\n\t\t}\n\n\t\t#phone_number_input {\n\t\t\tflex: 1;\n\t\t\tborder: none;\n\t\t\tpadding: 10px 14px;\n\t\t\tfont-size: 16px;\n\t\t\tbackground-color: transparent;\n\t\t\toutline: none;\n\t\t}\n <\/style>\n <script src=\"https:\/\/www.google.com\/recaptcha\/api.js?render=6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC\"><\/script>\n\t<script>\n\t\tconst malaysianStates = [\"Johor\",\"Kedah\",\"Kuala Lumpur\",\"Melaka\",\"Negeri Sembilan\",\"Pahang\",\"Penang\",\"Perak\",\"Perlis\",\"Sabah\",\"Sarawak\",\"Selangor\",\"Terengganu\"];\n\n\t\tdocument.addEventListener('DOMContentLoaded', function () {\n\t\t\tconst locationSelect = document.querySelector('select[name=\"location\"]');\n\t\t\tconst countryCodeDisplay = document.getElementById('country-code-display');\n\t\t\tconst phoneInput = document.getElementById('phone_number_input');\n\t\t\tconst finalPhoneInput = document.getElementById('final_phone_number');\n\t\t\tconst form = document.getElementById('custom-lead-form');\n\t\t\tconst error = document.getElementById('interest-error');\n\n\t\t\tfunction updateFinalPhoneNumber() {\n\t\t\t\tconst code = countryCodeDisplay.textContent || '';\n\t\t\t\tconst number = phoneInput.value.trim();\n\t\t\t\tfinalPhoneInput.value = code + number;\n\t\t\t}\n\n\t\t\tlocationSelect.addEventListener('change', function () {\n\t\t\t\tconst selectedState = this.value;\n\n\t\t\t\t\/\/ If not Malaysian state\n\t\t\t\tif (!malaysianStates.includes(selectedState)) {\n\t\t\t\t\tcountryCodeDisplay.style.display = 'none';\n\t\t\t\t\tcountryCodeDisplay.textContent = '';\n\t\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t\t\treturn;\n\t\t\t\t}\n\n\t\t\t\t\/\/ Malaysian state \u2014 show +60\n\t\t\t\tcountryCodeDisplay.style.display = 'block';\n\t\t\t\tcountryCodeDisplay.textContent = '+60';\n\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t});\n\n\t\t\tphoneInput.addEventListener('input', updateFinalPhoneNumber);\n\n\t\t\tform.addEventListener('submit', function (e) {\n\t\t\t\te.preventDefault(); \/\/ \u2705 Prevent default submission first\n\n\t\t\t\tconst checkboxes = form.querySelectorAll('input[name=\"lead_type[]\"]');\n\t\t\t\tconst isChecked = Array.from(checkboxes).some(checkbox => checkbox.checked);\n\n\t\t\t\tif (!isChecked) {\n\t\t\t\t\terror.style.display = 'block';\n\t\t\t\t\treturn; \/\/ stop here if validation fails\n\t\t\t\t} else {\n\t\t\t\t\terror.style.display = 'none';\n\t\t\t\t}\n\n\t\t\t\t\/\/ \u2705 Now run reCAPTCHA v3\n\t\t\t\tgrecaptcha.ready(function () {\n\t\t\t\t\tgrecaptcha.execute('6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC', { action: 'submit' })\n\t\t\t\t\t\t.then(function (token) {\n\t\t\t\t\t\t\tdocument.getElementById('g-recaptcha-response').value = token;\n\t\t\t\t\t\t\tform.submit(); \/\/ \u2705 Safe manual submission\n\t\t\t\t\t\t});\n\t\t\t\t});\n\t\t\t});\n\t\t});\n\t<\/script>\n\n \n\n\n\n<p>Continue reading:<\/p>\n\n\n\n\n\n<p><\/p>\n\n\n\n<p>References:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ministry of Finance Malaysia. (2025, August 20). LHDN Refunds RM9.35 Bln In Excess Taxes To 3 Mln Taxpayers. Retrieved from <a href=\"https:\/\/www.mof.gov.my\/\">mof.gov.my<\/a><\/li>\n\n\n\n<li>Malay Mail. (2026, March 6). MOF: RM6.2b in tax refunds disbursed as of Feb 18. Retrieved from <a href=\"https:\/\/www.malaymail.com\/\">malaymail.com<\/a><\/li>\n\n\n\n<li>Free Malaysia Today. (2024, October 18). RM7,000 tax relief on first homes costing up to RM500,000. Retrieved from <a href=\"https:\/\/www.freemalaysiatoday.com\/\">freemalaysiatoday.com<\/a><\/li>\n\n\n\n<li>Bernama. (2024, October 18). Individual Income Tax Relief on Loan Interest Payment For First House. Retrieved from <a href=\"https:\/\/bernama.com\/\">bernama.com<\/a><\/li>\n\n\n\n<li>KWSP \/ EPF Malaysia. EPF Housing Withdrawal. Retrieved from <a href=\"https:\/\/www.kwsp.gov.my\/\">kwsp.gov.my<\/a><\/li>\n\n\n\n<li>LHDN Malaysia. Income Tax Rates and Reliefs for YA 2025. Retrieved from <a href=\"https:\/\/www.hasil.gov.my\/\">hasil.gov.my<\/a><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>Turn your LHDN tax refund into a home down payment. Stack it with EPF, stamp duty savings, and loan interest relief. Free calculators inside.<\/p>\n","protected":false},"author":39,"featured_media":131479,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[65],"tags":[1200,9296,1198,9302],"class_list":["post-131449","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyles","tag-first-home-buyer","tag-income-tax","tag-lhdn","tag-tax-refund"],"yoast_head":"\n<title>How to Use Your Tax Refund for a House Down Payment in Malaysia (2026) - IQI Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/iqiglobal.com\/blog\/how-to-use-tax-refund-for-home-down-payment\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Use Your Tax Refund for a House Down Payment in Malaysia (2026)\" \/>\n<meta property=\"og:description\" content=\"Turn your LHDN tax refund into a home down payment. Stack it with EPF, stamp duty savings, and loan interest relief. 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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.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/iqiglobal.com\/blog\/how-to-use-tax-refund-for-home-down-payment\/#faq-question-1785468924368","position":3,"url":"https:\/\/iqiglobal.com\/blog\/how-to-use-tax-refund-for-home-down-payment\/#faq-question-1785468924368","name":"What is the first home loan interest tax relief?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/iqiglobal.com\/blog\/how-to-use-tax-refund-for-home-down-payment\/#faq-question-1785468935734","position":4,"url":"https:\/\/iqiglobal.com\/blog\/how-to-use-tax-refund-for-home-down-payment\/#faq-question-1785468935734","name":"Can I combine my tax refund with EPF withdrawal for a down payment?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/iqiglobal.com\/blog\/how-to-use-tax-refund-for-home-down-payment\/#faq-question-1785468944556","position":5,"url":"https:\/\/iqiglobal.com\/blog\/how-to-use-tax-refund-for-home-down-payment\/#faq-question-1785468944556","name":"Is the stamp duty exemption for first-time buyers still available in 2026?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/iqiglobal.com\/blog\/how-to-use-tax-refund-for-home-down-payment\/#faq-question-1785468953054","position":6,"url":"https:\/\/iqiglobal.com\/blog\/how-to-use-tax-refund-for-home-down-payment\/#faq-question-1785468953054","name":"How long does LHDN take to process my tax refund?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"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.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"featured_image_url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2026\/08\/03102539\/iqi-global-Tax-Refund-for-House-Down-Payment-Malaysia-compress.png","_links":{"self":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/131449","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/users\/39"}],"replies":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/comments?post=131449"}],"version-history":[{"count":1,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/131449\/revisions"}],"predecessor-version":[{"id":131478,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/131449\/revisions\/131478"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media\/131479"}],"wp:attachment":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media?parent=131449"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/categories?post=131449"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/tags?post=131449"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}