Team Leader (Subsales) ∙ United
Dennis Hong
REN17288
Team Leader (Subsales) ∙ United
Dennis Hong
REN17288
About Dennis Hong
Dennis Hong has been active in real estate since 2014.Coverage area: Klang, Shah Alam, Telok Panglima Garang, Jenjarom & high-value property.Specialist in secondary market & willing to learn new knowledge.Motivated to bring in new recruiters and team building. Dennis Hong is able to capture spectacu... Dennis Hong has been active in real estate since 2014.Coverage area: Klang, Shah Alam, Telok Panglima Garang, Jenjarom & high-value property.Specialist in secondary market & willing to learn new knowledge.Motivated to bring in new recruiters and team building. Dennis Hong is able to capture spectacular photo by using drone, use of VR360 device in the making of real estate video for marketing purposes.Able to do presentation and perform virtual house tour over the Zoom video meeting. Registered Estate Negotiator REN17288
4 years at IQI
74 transactions
74 properties on sale
49 properties on rent
Contact Dennis Hong
Dennis Hong Social Links
No social links available.
Dennis Hong's Service Locations
Dennis Hong's Service Locations
My Listings
Perdana Villa
Jalan Temenggung 37, Taman Sentosa Perdana
₺ 10,465 /month
Listed on June 24, 2023
Pangsapuri Seroja
U13/50, Seksyen U13
₺ 9,302 /month
Listed on September 30, 2025
MET 1 Residences @ KL Metropolis
Jalan Sultan Haji Ahmad Shah
₺ 34,884 /month
Listed on September 3, 2025
Bandar Puteri Klang
Jalan Pending
₺ 7,558,200
Listed on November 22, 2024
Vista Bayu Apartment, Taman Bayu Perdana
Jalan Batu Unjur 9
₺ 20,349 /month
Listed on December 5, 2025
Residensi Alami
Jalan Tinju 13/50, 40100, Selangor
₺ 5,232,600
Listed on April 28, 2025
Semarak @ Taman Raintree
Jalan Raintree Utama
₺ 15,698 /month
Listed on June 9, 2025
Pangsapuri Intan
Jalan Bukit Permai, Taman Bukit Permai
₺ 2,767,464
Listed on June 24, 2025
Teluk Pulai
Jalan Teluk Pulai
₺ 5,464,927
Listed on September 22, 2025
The Havre
Lebuhraya Bukit Jalil
₺ 5,813,767
Listed on August 29, 2025
Bandar Puteri Klang
Jalan Pending
₺ 7,418,664
Listed on October 19, 2025
Livia @ Bandar Rimbayu
Jalan Fauna 3
₺ 11,046,600
Listed on October 28, 2024
Pangsapuri Vista Danau Kota
33914, Jalan Danau Saujana 1, Taman Danau Kota, 53000 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur
₺ 19,768 /month
Listed on July 21, 2025
Palm Garden Apartment
Persiaran Bukit Raja
₺ 19,186 /month
Listed on June 10, 2025
Hijau Ria Kepong Indah
Jalan 1/1A, Taman Kepong Indah, 52100, Kuala Lumpur
₺ 3,348,864
Listed on February 25, 2025
Bandar Puteri Klang
Jalan Kerongsang
₺ 18,605 /month
Listed on August 27, 2025
Taman Sungai Besi Indah
Jalan Sb Indah 1/5
₺ 4,627,944
Listed on June 17, 2025
Dynasty Condominium
Jalan Batu Tiga Lama
₺ 20,930 /month
Listed on September 8, 2025
Pelangi Damansara
Persiaran Surian, Mutiara Damansara
₺ 2,093,040
Listed on July 3, 2025
Sri Puteri (Earls Court), Ukay Perdana
Jalan UP 3/2, Ukay Perdana, 68000, Selangor
₺ 46,512 /month
Listed on April 7, 2025
Skypod Residences
Persiaran Puchong Jaya Selatan
₺ 20,930 /month
Listed on August 29, 2025
Taman Palm Grove
Leboh Siput
₺ 7,209,127
Listed on October 30, 2025
USJ 1
Jalan USJ 1/1, 47500 Subang Jaya, Selangor
₺ 15,116 /month
Listed on April 21, 2025
BSP 21
Bandar Saujana Putra, 42610, Selangor
₺ 18,605 /month
Listed on March 21, 2025
Prima Bayu
Jalan Batu Unjur 9
₺ 3,604,447
Listed on November 9, 2025
Seri Jati & Baiduri
Jalan Setia Gemilang U13/45B
₺ 15,116 /month
Listed on July 29, 2025
Teluk Pulai
Jalan Teluk Pulai
₺ 7,557,967
Listed on June 26, 2025
Taman Desa Permai
Jalan Meranti Putih
₺ 4,244,220
Listed on July 1, 2025
Setia City Residences @ Setia City
Jalan Setia Dagang AH U13/AH
₺ 8,720,767
Listed on December 2, 2025
Baiduri Courts
Jalan BP 14, Bandar Bukit Puchong
₺ 11,628 /month
Listed on September 8, 2025
Taman Sentosa
Jalan 21
₺ 3,837,240
Listed on July 31, 2025
Impian Meridian
USJ 1, Subang Jaya, 47600, Selangor
₺ 26,744 /month
Listed on May 12, 2025
Impian Meridian
USJ 1, Subang Jaya, 47600, Selangor
₺ 5,116,087
Listed on May 21, 2025
Taman Sentosa
Jalan Sungai Jati, Jalan Temenggung 37
₺ 8,837,280
Listed on November 20, 2024
Putra Heights
Jalan Putra Indah
₺ 9,046,584
Listed on April 24, 2025
Central Residence, Sungai Besi
Jalan Sungai Besi
₺ 4,534,920
Listed on June 19, 2025
Edusentral @ Setia Alam
Jalan Setia Murni U13/51, 40170, Selangor
₺ 13,954 /month
Listed on February 11, 2025
Trio by Setia
Bukit Tinggi, 41200, Selangor
₺ 16,279 /month
Listed on December 5, 2024
Bandar Puteri Klang
Jalan Kerongsang
₺ 5,639,580
Listed on November 13, 2025
Taman Sentosa
Lorong Hulubalang 10
₺ 15,698 /month
Listed on August 4, 2025
Ashino Residences @ Gravit8
Jalan Bayuemas
₺ 16,279 /month
Listed on September 3, 2025
Avenue Crest
Section 22, Batu Tiga, Shah Alam
₺ 13,954 /month
Listed on December 10, 2025
Jalan Setia Permai U13/42M
Jalan Setia Permai U13/42M
₺ 10,464,967
Listed on November 18, 2025
BK5
Bandar Kinrara
₺ 8,488,207
Listed on May 21, 2025
i-SOHO @ i-City
Jalan Plumbum 7/102, 40000, Selangor
₺ 13,954 /month
Listed on April 5, 2025
Dua Residency
Jalan Tun Razak, 50450, Kuala Lumpur
₺ 93,024 /month
Listed on April 15, 2025
Pandan Indah
Jalan Perubatan 3
₺ 20,930 /month
Listed on April 4, 2025
Taman Residensi
Jalan Ipoh
₺ 13,953,367
Listed on December 9, 2025
Avenue Crest
Section 22, Batu Tiga, Shah Alam
₺ 13,954 /month
Listed on December 2, 2025
Avenue Crest
Section 22, Batu Tiga, Shah Alam
₺ 13,942 /month
Listed on October 13, 2025
Impian Sentosa
Jalan Dato Abdul Hamid 6, Taman Sentosa, Klang
₺ 9,302 /month
Listed on December 20, 2025
Taman Sentosa
Jalan Dato Abdul Hamid 24
₺ 4,825,620
Listed on October 11, 2024
Vista Lavender
Persiaran Kinrara Seksyen 3
₺ 2,093,040
Listed on September 23, 2025
La Vista
Jalan Tempua 2, Bandar Puchong Jaya
₺ 5,232,600
Listed on June 19, 2025
Endah Villa Condominium
Jalan 2/149B, Taman Sri Endah
₺ 18,023 /month
Listed on July 19, 2025
Taman Bayu Perdana
Jalan Batu Unjur
₺ 18,605 /month
Listed on July 1, 2025
Casa Tropicana
Persiaran Tropicana, 47301, Selangor
₺ 25,582 /month
Listed on April 21, 2025
Taman Lembah Maju
Jalan Maju 2/7
₺ 3,371,887
Listed on November 21, 2024
USJ 6
Jalan USJ 6/1
₺ 25,582 /month
Listed on August 4, 2025
Gravit8 @ Klang South
Jalan Bayu Laut
₺ 17,442 /month
Listed on July 21, 2025
Riana South
Persiaran Alam Damai, 56000, Kuala Lumpur
₺ 7,907,040
Listed on May 27, 2025
Bandar Puteri Klang
Lorong Gelang
₺ 6,837,264
Listed on January 8, 2026
Golden Villa
Jalan Temenggung 37
₺ 9,302 /month
Listed on December 17, 2025
BSP 21
Bandar Saujana Putra
₺ 18,605 /month
Listed on July 30, 2025
Teluk Pulai
Jalan Teluk Pulai
₺ 9,069,840
Listed on June 26, 2025
Taman Sri Ehsan
Jalan Seri Ehsan 9
₺ 34,883,767
Listed on March 19, 2025
Merak Kayangan Court
Jalan Kapas
₺ 81,396 /month
Listed on September 17, 2025
Taman Teluk Pulai
Lorong Selar
₺ 6,453,540
Listed on October 21, 2024
Pelangi Damansara
Persiaran Surian, Mutiara Damansara, 47800, Selangor
₺ 5,232,600
Listed on May 20, 2025
Taman Sentosa
Jalan Dato Abdul Hamid 16A
₺ 4,744,224
Listed on September 23, 2024
Bayu Villa Apartment, Bayu Perdana
Jalan Batu Unjur, 41200, Selangor
₺ 3,720,727
Listed on February 24, 2025
SS 17
Jalan SS 17/3
₺ 11,046,600
Listed on January 5, 2026
La Vista
Jalan Tempua 2, Bandar Puchong Jaya
₺ 5,232,367
Listed on June 24, 2025
Andira Park
Lebuh Bukit Puchong
₺ 9,302,400
Listed on November 10, 2025
Koi Kinrara Suites
Jalan Pipit, Bandar Puchong Jaya
₺ 4,069,567
Listed on June 23, 2025
Anggerik Aranda
Jalan Anggerik Aranda
₺ 13,953,600
Listed on October 14, 2025
Trifolis Apartment
Jalan Batu Nilam 36/KS6, 41200, Selangor
₺ 3,895,380
Listed on April 15, 2025
Taman Sentosa
Jalan Dato Abdul Hamid 16
₺ 6,220,980
Listed on February 15, 2025
The Hamstead
Jalan 9/118B, 56000, Kuala Lumpur
₺ 22,675 /month
Listed on March 24, 2025
Impian Sentosa
Jalan Dato Abdul Hamid 6, Taman Sentosa, Klang
₺ 11,628 /month
Listed on June 24, 2025
Ten Kinrara
Jalan BK 5a
₺ 7,965,180
Listed on July 4, 2025
Bayu Villa Apartment, Bayu Perdana
Jalan Batu Unjur, 41200, Selangor
₺ 3,023,280
Listed on February 28, 2025
Millennium Square
Section 14/1, Seksyen 14
₺ 5,813,767
Listed on December 29, 2025
Taman Menara Maju, Klang
LORONG MANICKAVASAGAM
₺ 5,337,252
Listed on April 15, 2025
Saujana Damansara
Desa Riang, 47830, Selangor
₺ 1,744,200
Listed on June 27, 2024
The Maple Residence
Jalan Langat , 42000, Selangor
₺ 19,186 /month
Listed on March 20, 2025
Taman Bayu Perdana
Jalan Batu Unjur
₺ 5,802,372
Listed on February 25, 2025
Bandar Puteri Klang
Jalan Pending 2
₺ 6,965,172
Listed on March 25, 2025
Bandar Botanic Kelang
Jalan Impian 10
₺ 7,674,480
Listed on November 2, 2024
Bandar Puteri Klang
Jalan Pending
₺ 6,744,007
Listed on February 20, 2025
Bayu Villa Apartment, Bayu Perdana
Jalan Batu Unjur
₺ 5,441,904
Listed on November 16, 2025
Taman Sri Indah, Klang
Lorong Bendahara 42
₺ 15,116 /month
Listed on July 31, 2025
Bangsar Hill Park
13, Lorong Maarof 1, Bangsar, 59000 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur
₺ 72,675 /month
Listed on September 30, 2025
Bandar Puteri Klang
Jalan Gelang
₺ 6,953,544
Listed on January 12, 2026
Bayu Villa Apartment, Bayu Perdana
Jalan Batu Unjur, 41200, Selangor
₺ 3,488,400
Listed on February 26, 2025
Taman Sri Andalas
Jalan Sri Damak
₺ 20,930 /month
Listed on March 25, 2024
Taman Sejati 5
Lorong Bendahara
₺ 5,755,860
Listed on June 10, 2025
Prima Ria
Jalan Dutamas Raya
₺ 4,883,527
Listed on November 3, 2025
Waltz Residences @ Paradigm Garden City
Jalan Awan Besar
₺ 9,186,120
Listed on November 27, 2025
Taman Teluk Pulai
Jalan Teluk Pulai
₺ 9,709,380
Listed on November 5, 2024
Akasia Apartment, Pusat Bandar Puchong
Jalan Wawasan 2/3
₺ 18,605 /month
Listed on July 19, 2025
Taman Sentosa
Jalan Dato Yusof Shahbudin 1
₺ 5,441,904
Listed on December 6, 2024
Bandar Puteri Klang
Jalan Sanggul
₺ 7,555,874
Listed on June 23, 2023
AraTre' Residences
Jalan PJU 1a/4a, Ara Damansara, 47301, Selangor
₺ 9,069,840
Listed on March 24, 2025
Sunsuria Forum @ 7th Avenue
40170, Selangor
₺ 33,721 /month
Listed on February 24, 2025
Rhythm Avenue
USJ 19
₺ 17,442 /month
Listed on January 8, 2026
AraTre' Residences
Jalan PJU 1a/4a, Ara Damansara, 47301, Selangor
₺ 9,011,700
Listed on March 4, 2025
Bandar Bukit Tinggi
41200 Klang
₺ 17,442 /month
Listed on September 2, 2025
Kekwa Apartment @ Putra Perdana
Bulatan Putra Perdana, Taman Putra Perdana, 47100, Selangor
₺ 1,860,480
Listed on March 6, 2025
Taman Sutera
43000 Kajang
₺ 63,954 /month
Listed on September 22, 2025
Amber Residence @ twentyfive.7
Persiaran Oleander
₺ 23,256 /month
Listed on October 6, 2025
Desa Idaman, Taman Puchong Prima
Taman Puchong Prima Puchong
₺ 5,232,367
Listed on October 13, 2025
Taman Sentosa
Jalan Dato Abdul Hamid 18
₺ 6,046,560
Listed on November 22, 2024
Bandar Botanic
Persiaran Botanic
₺ 13,953,367
Listed on September 23, 2025
Bayu Villa Apartment, Bayu Perdana
Jalan Batu Unjur, 41200, Selangor
₺ 3,313,980
Listed on February 4, 2025
Ken Rimba
Jalan Lengkuas, Rimba Jaya
₺ 7,557,967
Listed on December 14, 2025
Jalan Tepi Sungai
Teluk Pulai
₺ 8,197,740
Listed on September 22, 2025
Impian Sentosa
Jalan Dato Abdul Hamid 6, Taman Sentosa, Klang, 41200, Selangor
₺ 2,267,460
Listed on July 12, 2024
Avenue Crest
Section 22, Batu Tiga
₺ 13,954 /month
Listed on September 22, 2025
Teluk Pulai
Jalan Besi
₺ 6,395,400
Listed on November 14, 2025
Bayu Villa Apartment, Bayu Perdana
Jalan Batu Unjur, 41200, Selangor
₺ 3,116,304
Listed on May 20, 2025
Villa Sentosa
Jalan Dato Yusuf Shahbudin 3
₺ 11,628 /month
Listed on September 29, 2025
Taman Melawis (Taman Heng Luen)
Jalan Loyang; Jalan Emas; Jalan Besi
₺ 5,814,000
Listed on October 29, 2024
Our newly launched projects
Discover the real estate properties in and around Selangor, Malaysia. Buy apartment units, landed houses, bungalows, commercial office space, shop lots, and sub-sales with 100% confidence at IQI Global.
Large land area
Northern TechValley @BKE
Mukim 14, Kubang Semang, 14400 Seberang Perai, Penang, Malaysia
Starting from ₺ 168,553,907
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 ₺ 13,997,786
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 ₺ 58,314,420
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 ₺ 13,009,406
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 ₺ 9,511,704
Listed on January 23, 2026
Large land area
Taman Fajar Permai (Sunrise Terrace)
Jalan Fajar, Taman Fajar Permai, 14300 Nibong Tebal, Penang, Malaysia.
Starting from ₺ 6,395,400
Listed on January 23, 2026
Mortgage Calculator
Calculate your estimated month repayment and plan your monthly expenses well.
The mortgage calculator is intended for reference only. Actual amount may vary.
Monthly Payment
Send me the mortgage calculator result
Home Loan Eligibility Calculator
Calculate your potential loan amount and assess your home buying affordability.
Rental Yield
Calculate the potential rental yield and evaluate a property's investment performance.
Down Payment Saving Plan
Create a structured savings plan and determine how much to save monthly for your down payment plan.
Malaysian Property Transaction Fees Calculator
Estimate the total transaction fees and budget accurately for your Malaysian property purchase.
IQI blog & news
Articles specifically curated for your daily digest of local and global real estate news.
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
Ready to get started?
Get in touch now.