VP ∙ IQI Phuket
Nasupha Suwansri
VP ∙ IQI Phuket
Nasupha Suwansri
About Nasupha Suwansri
Seasoned Real Estate Expert | Phuket Island With over two decades of experience in Phuket's dynamic real estate market, Nasupha Suwansri has cultivated unparalleled knowledge and expertise in the industry. Renowned for a hands-on, personal approach, Nasupha ensures that each client receives tailore... Seasoned Real Estate Expert | Phuket Island With over two decades of experience in Phuket's dynamic real estate market, Nasupha Suwansri has cultivated unparalleled knowledge and expertise in the industry. Renowned for a hands-on, personal approach, Nasupha ensures that each client receives tailored attention and care throughout their property journey. Understanding that buying or selling property can be both complex and emotional, Nasupha prioritizes open communication, transparency, and trust. This commitment to excellence has built a reputation as one of the most trusted and respected real estate consultants on Phuket Island, delivering satisfaction to clients with every transaction. For those seeking a hassle-free experience in finding the perfect property or renting accommodation for an unforgettable holiday in Phuket, Nasupha Suwansri and the IQI Phuket team are the ideal partners. Their commitment to excellence and client satisfaction ensures that every real estate journey is smooth and rewarding. Contact us today https://www.iqiglobal.com/th/phuket supha.iqiphuket@gmail.com info.iqiphuket@gmail.com Office phone: +66 93 579 6426Mobile phone: +66 93 624 7487 (WhatsApp)Wechat : RealtyPhuketLine ID : 093 624 7487FB/IG: Facebook IQI Phuket Linkedin: https://www.linkedin.com/in/iqi-phuket/ 185/69 Moo.4, Thepkasattri Road, Thepkasattri Sub-District, Thalang District, Phuket 83110, Thailand.
5 years at IQI
100 properties on sale
8 properties on rent
Contact Nasupha Suwansri
Nasupha Suwansri's Service Locations
Nasupha Suwansri's Service Locations
My Listings
Luxury Home Near UWC Thailand
Thalang
₹ 38,549,250
Listed on March 28, 2025
Luxury, Privacy, and Space for What Matters Most
Thalang
₹ 61,393,250 /month
Listed on September 18, 2025
Modern 2-Bedroom Pool Villa near Nai Harn & Rawai
Rawai
₹ 29,982,750
Listed on November 5, 2025
A Rare Lakefront Gem in Laguna – Prime Investment, Premium Living
Bangtao
₹ 194,174,000
Listed on April 22, 2025
Spacious 5-Bedroom Villa with Expansive Land Plot and Private Pool
Cherng thalay
₹ 185,607,500
Listed on May 7, 2025
Saku–Naiyang, Phuket A Rare Luxury Investment in Nature’s Sanctuary
saku
₹ 45,402,450
Listed on January 30, 2026
ANNARA Residences – A Limited Privilege for Discerning Owners
Bang Tao
₹ 104,225,750
Listed on May 22, 2025
Ultra-Modern Oceanfront Masterpiece | East Coast Phuket
Cape Yamu
₹ 2,798,390,000
Listed on January 8, 2026
Architect-Designed Luxury Sea-View Villa | East Coast Phuket
Paklok
₹ 628,210,000
Listed on January 8, 2026
Ready to move in and start living the lifestyle you deserve.
Cherng thalay
₹ 93,945,950
Listed on April 29, 2026
Luxury Villa for in Layan, Phuket
Layan Beach
₹ 242,717,500
Listed on March 28, 2025
BOTANICA HEIGHTS HIGH RETURN CONDO INVESTMENT IN CHOENG THALE
Bangtao
₹ 31,395,823
Listed on April 16, 2026
Luxury Sea-View Pool Villa | Surin Beach, Phuket
Surin beach
₹ 279,839,000
Listed on January 8, 2026
Freehold Pool Villa in Prime Thalang Location – Ready to Move In
Baandon
₹ 68,532,000
Listed on August 23, 2025
A World-Class Architectural Creation
Rawai
₹ 262,534,670
Listed on January 14, 2026
Strategic Off-Plan Pool Villas in Prime Thalang
Thalang
₹ 28,269,450
Listed on February 23, 2026
New Price from THB 14.9M 2 Minutes to UWC International School
Thalabg
₹ 42,546,950
Listed on July 15, 2026
Modern Pool Villas Designed for Everyday Living
Ko Kaeo
₹ 59,794,170
Listed on June 11, 2026
Luxury Hua Hin Villa with Massive Land Plot & Price Reduced to THB 23.5M!
Huahin
₹ 67,104,250
Listed on November 21, 2025
A fully furnished, ready-to-move-in villa in Phuket’s top investment zone.
Cherng thalay
₹ 59,679,950
Listed on April 29, 2026
Modern Pool Villa near Nai Harn & Rawai
Rawai
₹ 29,982,750
Listed on November 5, 2025
Luxury Living in Layan, Phuket
Layan beach
₹ 217,058,020
Listed on July 22, 2025
Grand Pool Villa – Your Dream Home in Phuket Awaits
Bangtao
₹ 91,376,000
Listed on December 8, 2025
Motivated Seller | Prime Bangtao Pool Villa Deal
Bangtao
₹ 55,682,250
Listed on February 14, 2026
Luxury Resort-Style Pool Villa in Chalong, Phuket
Chalong
₹ 84,237,250
Listed on June 16, 2026
Luxury Living in Bangtao
Bangtao Beach
₹ 44,604,572 /month
Listed on March 21, 2025
High-Yield Investment Villa in Phuket — Bali-Style Pool Villa
Cherngthalay
₹ 25,413,950
Listed on May 4, 2026
Modern Luxury Pool Villa in Phuket
Chalong
₹ 48,257,950
Listed on June 16, 2026
Luxury Private Pool Villa in Chalong, Phuket
Chalong
₹ 51,113,450
Listed on June 16, 2026
Rare Phuket Trophy Villa for Sale — Panoramic Ocean Views & 5-Star Resort Lifestyle at Cliff Top Residence
Ao Yon
₹ 1,479,831,500
Listed on May 16, 2026
Luxury Pool Villas at Erawana Grand Phuket
Layan Beach
₹ 155,196,639
Listed on April 4, 2025
Brand New 4-Bedroom Villa at Anchan Mountain Breeze
Bangtao beach
₹ 108,509,000
Listed on July 14, 2025
AVANA – Where Thai Heritage Meets Modern Luxury
Bang Jo
₹ 171,044,450
Listed on July 1, 2025
EXCLUSIVE 3-BEDROOM POOL VILLA FOR SALE IN CHERNG TALAY, PHUKET
Choeng Thale
₹ 68,532,000
Listed on June 10, 2026
Erawana Grand Phuket – A Fusion of Heritage & Modern Luxury
Layan Beach
₹ 141,347,250
Listed on April 4, 2025
Luxury 4-Bedroom Home in the Heart of Phuket’s Prestigious Laguna Area
Laguna
₹ 125,642,000
Listed on September 19, 2025
Elevated Luxury Living with Panoramic Views Manik, Phuket
Manik
₹ 299,827,500
Listed on February 17, 2026
Unique Lake View 4-Bedroom Villa for Sale | Loch Palm Golf Club, Kathu, Phuket
Kathu
₹ 165,619,000
Listed on February 10, 2026
Own Your Private Paradise Near Blue Tree Phuket
Cherng thalay
₹ 196,711,968
Listed on September 20, 2025
New Pool Villa Ready to Move In!
Thalang
₹ 39,948,445
Listed on April 7, 2026
Luxury Sea View Pool Villa for Sale | Ao Por, Thalang, Phuket
Ao Por
₹ 122,500,950
Listed on March 12, 2026
Seastone Private Pool Villas – Modern Living, Prime Location
Layan Beach
₹ 57,110,000
Listed on June 23, 2025
Brand New 4-Bedroom Villa in Botanica Foresta – Pru Jampa, Bang Tao
Bangtao
₹ 117,075,500
Listed on July 16, 2025
Beautiful Family Home in Supalai Palm Spring
Baan Pon
₹ 36,264,850
Listed on April 17, 2025
A Low-Density Pool Villa Investment in Cherngtalay
Cherng talay
₹ 108,223,450
Listed on January 20, 2026
Ocean View Residence with Jacuzzi | Angsana, Laguna Phuket
Laguna
₹ 112,792,250
Listed on March 24, 2026
Designed for Families. Built for a Lifetime.
Kohkaew
₹ 143,954,322
Listed on October 28, 2025
Exclusive promotion 3 Bedroom Botanica Villa Phuket
Cherng thalay
₹ 56,824,450
Listed on May 20, 2026
Exclusive Beachfront Villa Near Cape Yamu
Cape Yamu
₹ 311,249,500
Listed on March 28, 2025
Modern 2-Bedroom Pool Villa – Nai Harn, South Phuket
Nai harn
₹ 31,124,950
Listed on November 5, 2025
Ready-to-Move-In Luxury Pool Villa in Chalong, Phuket
Chalong
₹ 45,402,450
Listed on June 16, 2026
Elegant 4-Bedroom Villa at Trichada Breeze – Fully Furnished with Imported Furniture
Bangtao beach
₹ 108,509,000
Listed on July 14, 2025
Hot Investment Alert – Luxury Pool Villa in Phuket
Laguna
₹ 114,220,000
Listed on April 21, 2025
June Special Offer — Modern Japanese Pool Villa Starting at 17.9 MB in Phuket
Layan
₹ 53,968,950
Listed on May 23, 2026
Only 3 Luxury Pool Villas Remaining in Phuket!
Naiyang
₹ 39,691,450
Listed on June 2, 2026
Panoramic Sea View Luxury in Layan, Phuket
Layan
₹ 225,584,500
Listed on April 22, 2025
Absolute Beachfront in Natai | Trophy Estate Opportunity
Phang Nga
₹ 785,262,500
Listed on February 13, 2026
Erawana Grand Villa – Layan, Phuket
Layan Beach
₹ 197,571,759
Listed on April 4, 2025
Spacious 3-Bedroom Duplex Condominium with Private Pool – Nai Harn, Phuket
Rawai
₹ 33,980,450
Listed on November 5, 2025
Mediterranean Dream Meets Tropical Paradise
Si Sunthon
₹ 205,596,000
Listed on April 22, 2025
Luxury Pool Villas in Rawai, Phuket
Rawai
₹ 62,821,000
Listed on November 21, 2025
Luxury Beachfront Condo with Stunning Ocean Views!
kamala
₹ 19,988,500
Listed on March 26, 2025
Pool Villa Near Bangtao Beach
Bangtao Beach
₹ 55,111,150 /month
Listed on March 21, 2025
Ultra Luxury Cliffside Villa for Rent in Phuket with Panoramic Sea Views Over Ao Yon Bay
Ao Yon
₹ 10,502,030 /month
Listed on May 15, 2026
SPECIAL OPPORTUNITY | HOT DEAL in Rawai, Phuket
Rawai
₹ 85,379,450
Listed on July 22, 2026
Exclusive Beachfront Living Starts from THB 56 Million
Ao Yon
₹ 159,908,000
Listed on July 4, 2026
Exclusive Land for Sale in Mueang Phuket
Vichit
₹ 220,772,983
Listed on May 7, 2025
Private Pool House for Sale
Thalang
₹ 19,985,645
Listed on December 15, 2025
Luxury 3+1 Bedroom Pool Villa for Rent – Bang Tao
Bangtao Beach
₹ 85,665,000
Listed on January 12, 2026
Nature-Inspired Pool Villas – Special Launch Price
Paklok
₹ 51,113,450
Listed on December 13, 2025
Luxury Family Villa Near Phuket's Leading International Schools ⭐
Koh kaew
₹ 78,626,193
Listed on May 30, 2026
Two Waterfront Bungalows for Sale – Coconut Island, Phuket
Coconut island
₹ 48,543,500
Listed on January 24, 2026
Fully Furnished Luxury Villa — Ready to Move In Now
layan beach
₹ 71,101,950
Listed on May 11, 2026
A Masterpiece of Coastal Elegance in Kamala Headland
Kamala
₹ 565,389,000 /month
Listed on October 24, 2025
READY TO MOVE IN & FULLY FURNISHED CONDO NEAR PHUKET AIRPORT
Sakhu
₹ 8,537,945
Listed on April 29, 2026
Luxury Private Pool Villas Near Rawai Beach
Rawai
₹ 53,968,950
Listed on July 27, 2026
Cozy 2 bed pool villa for sale
Cherngtalay
₹ 29,982,750
Listed on December 6, 2022
Oceanfront Luxury Super Villa in Kata
Kata Beach
₹ 454,024,500
Listed on March 29, 2025
Limited-Time Mid-Year Promotion – Save 5 Million THB! Luxury Pool Villa in Rawai, Phuket
Chalong
₹ 85,379,450
Listed on June 8, 2026
Luxury private pool villa community located in Bangtao, Phuket.
Bangtao Beach
₹ 165,619,000
Listed on March 21, 2025
Luna Vista by Wilawan | Luxury Pool Villas in Naiyang, Phuket
Naiyang
₹ 85,382,306
Listed on April 3, 2026
BOTANICA FOUR SEASONS – PRIME INVESTMENT OPPORTUNITY IN PHUKET
Naiyang
₹ 67,258,447
Listed on April 16, 2026
Mali Villa – Luxury Pool Villa in Paradise
Layan Beach
₹ 79,639,895
Listed on March 24, 2025
Luxury Pool Villa in Chalong, Phuket
Chalong
₹ 45,402,450
Listed on June 16, 2026
Luxury 4-Bedroom Pool Villa in Cherngtalay
Cherngtalay
₹ 99,942,500
Listed on August 1, 2025
CHALONG BAY VILLAS – LUXURY LIVING NEAR THE PIER
Chalong
₹ 109,936,750
Listed on September 16, 2025
Discover Chalong’s Most Prestigious Villas – Limited Collection
Chalong
₹ 158,796,497 /month
Listed on September 16, 2025
Move-In Ready & Perfectly Located in Cherngtalay
Cherng thalay
₹ 17,104,445
Listed on August 14, 2025
LAST OFFER ALERT in Cherngtalay! Save 2M THB Today. Only one villa remains, now reduced from 25.25M to 23.25M THB
Layan beach
₹ 66,390,375
Listed on May 20, 2025
Luxury Living in Phuket – Elite Villas & Premium Education
Cherng thalay
₹ 70,816,400
Listed on September 20, 2025
Luxury Hillside Pool Villa in Chalong, Phuket
Chalong
₹ 39,948,445
Listed on June 4, 2026
Modern Oriental U-Shape Pool Villa – Nai Harn, South Phuket
Nai Harn
₹ 35,693,750
Listed on November 5, 2025
Asian Fusion Elegance – Newly Built 3-Bedroom Pool Villa in Saiyuan, South Phuket
Saiyuan
₹ 75,670,750
Listed on November 5, 2025
Modern Duplex Pool Condominium in Nai Harn – Corner Unit
Naiharn
₹ 29,982,750
Listed on November 5, 2025
Luxury Smart Villas by the Lake
Chalong
₹ 69,959,750 /month
Listed on April 17, 2026
Ready to Move In Pool Villa in Kathu — Near British International School Phuket
Kathu
₹ 47,115,750
Listed on May 12, 2026
Pool Villa near Naiharn beach
Naiharn beach
₹ 27,983,900 /month
Listed on March 21, 2025
Modern Oriental-Style 4-Bedroom Pool Villa – Nai Harn, South Phuket
Nai Harn
₹ 56,824,450
Listed on November 5, 2025
Sophisticated Tropical Living in Layan, Phuket
Layan
₹ 214,162,500
Listed on April 22, 2025
Modern Oriental-Style Pool Villa in Rawai – Soi Salika
Rawai
₹ 42,546,950
Listed on November 5, 2025
Luxury Pool Villa for Sale | Nai Yang, Phuket
Naiyang
₹ 128,497,500
Listed on April 2, 2026
Best Value Golf View Condo | Bang Tao Phuket (Below Market Price)
Bangtao
₹ 16,362,015
Listed on March 18, 2026
Private Thai-Style Pool Villa in Layan, Phuket
Layan
₹ 75,670,750
Listed on April 19, 2025
Elegant Oriental-Style 3-Bedroom Pool Villa – Nai Harn, South Phuket
Nai Harn
₹ 56,538,900
Listed on November 5, 2025
Angsana Residences redefines luxury beachfront living
Bangtao
₹ 271,272,500
Listed on April 23, 2025
Elegant Contemporary Living in the Heart of Phuket
Chalong
₹ 37,092,945
Listed on July 16, 2026
Luxury Living in the Heart of Cherngtalay, Phuket
Cherngtalay
₹ 55,682,250
Listed on June 24, 2026
Seaview Pool Villa | Ao Por, Phuket – For Rent & Sale
Ao Por
₹ 57,110,000
Listed on January 26, 2026
Our newly launched projects
Discover the real estate properties in and around Phuket, Thailand. Buy apartment units, landed houses, bungalows, commercial office space, shop lots, and sub-sales with 100% confidence at IQI Global.
4 - 5 bedrooms
Vana Anda Cherngthalay
Soi Pasak1 Chengtalay Thalang District, Phuket 83110, Thailand
Starting from ₹ 107,937,900
Listed on May 7, 2026
1-2 bedroom units
The Trees Residence
176 cherngtalay 2, Tambon Choeng Thale, Thalang District, Phuket 83110, Thailand
Starting from ₹ 11,496,928
Listed on December 22, 2025
Varied bedroom options
Sea View Condominium
Tambon Patong, Amphoe Kathu, Chang Wat Phuket 83150, Thailand
Starting from ₹ 28,726,330
Listed on September 10, 2025
Located in Pattaya
Zensiri Jomtien Residences
Jomtien, Pattaya City, Bang Lamung, Chonburi Province 20150 Thailand
Starting from ₹ 12,634,283
Listed on May 20, 2025
Located in Pattaya
Zensiri Estate Jomtien
Jomtien, Pattaya City, Bang Lamung, Chonburi Province 20150 Thailand
Starting from ₹ 57,081,445
Listed on May 20, 2025
Compact 1-2 bedrooms
Seaspire Jomtien
Jomtien, Nongprue, Pattaya City, Bang Lamung, Chonburi Province 20150 Thailand
Starting from ₹ 11,984,479
Listed on May 20, 2025
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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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