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Imagine living somewhere winter never comes. In Kuala Lumpur, temperatures typically stay between 70°F and 94°F, while a plate of hawker food in Penang can be enjoyed for under RM10 (about US$2.50). Malaysia is also gaining attention among Americans. Between October 2024 and August 2026, 284 Malaysia My Second Home (MM2H) applications were received from the United States, the highest number from any country outside Asia. By the end of 2025, homes had been purchased by 41 American MM2H participants. But what is everyday life in Malaysia really like under MM2H? How does it compare with living in the US? From daily expenses and lifestyle changes to tax obligations, here's what Americans should know before making the move. KEY TAKEAWAYS Cost of Living: US$3,100/month in KL offers a lifestyle costing US$6,200 in Houston or US$12,000 in New York. Safety & Language: Malaysia ranks 12th globally for peace and 1st in Asia for English proficiency. Healthcare: Quality private care at lower costs, but Medicare doesn't apply. MM2H Requirements: Renewable 5–20-year pass, no minimum stay from age 50, and mandatory home purchase. Silver Tier: Around US$432,000–US$437,000 upfront for a KL property and MM2H requirements. US Taxes: Worldwide income remains taxable, with FBAR reporting required when applicable. In this articleWhat Is Everyday Life Like in Malaysia on MM2H?How does life in Malaysia compare with the US?Where Should You Live: Kuala Lumpur, Penang or Johor?What Does MM2H Offer, and What Are the Requirements?What Changes for Americans Living in Malaysia?Is Malaysia Better Than the US for You?Frequently asked questions about living in Malaysia on MM2H What Is Everyday Life Like in Malaysia on MM2H? Quick Answer: Year-round warmth, affordable living and widely spoken English make Malaysia an attractive choice. Expect temperatures between 73°F and 91°F, US$4 local meals and easy access to Asia. The trade-offs? Humidity, afternoon showers and a 13-hour time difference with New York. Breakfast is best enjoyed outside. Mornings often begin at a hawker stall or kopitiam (local coffee shop), where an inexpensive meal costs around RM15 (US$3.70), compared with US$20 in the US.The food culture here is amazing. English is widely spoken. Malaysia ranks 1st in Asia and 24th globally on the EF English Proficiency Index. As Chartier puts it, "Being able to speak English almost everywhere made things easier too." Getting around is easy. Kuala Lumpur is well connected by public transport, with monthly passes costing around RM50 (US$12), compared to US$140 in New York. Grab is also widely used for convenient rides. Condo living is popular. Condominiums are often preferred by foreign buyers, with facilities such as swimming pools, gyms and 24-hour security. Weekend getaways are within reach. Bangkok, Bali and Singapore are just a short flight away. Even Penang offers "nonstop flights to plenty of places in Asia", as Chartier notes. Festivals are celebrated year-round. Hari Raya, Chinese New Year, Deepavali and Christmas are all recognised public holidays. Thanksgiving isn't forgotten either, with the American Malaysian Chamber of Commerce hosting an annual Thanksgiving luncheon in Kuala Lumpur. ONE AMERICAN'S STORY Ward Chartier, retired in Penang on MM2H since 2018 Born in Wisconsin, Chartier spent about two decades working in Texas. He applied for MM2H in 2017 and moved to Penang on his own the following year. Life in Penang feels very comfortable for me. English works almost everywhere, new restaurants keep opening at reasonable prices, and Penang has nonstop flights to cities in Thailand and China. His biggest test came on a hike, when he slipped down a hill and broke his leg. A Penang orthopaedic surgeon repaired it with a six-inch metal plate and seven screws. I was genuinely impressed by the quality of care I received. His one practical warning is very American: US banks can be surprisingly hard to use with an international phone number. Think twice before you cancel your US phone plan. Source: Ward Chartier, as told to Amanda Goh, Business Insider, November 2025. How does life in Malaysia compare with the US? Quick answer: Malaysia wins clearly on cost, safety and the price of healthcare. The US wins on closeness to family, Medicare and the convenience of the life you already know. What mattersMalaysiaUnited StatesEveryday living costsGenerally much lower, particularly for rent, dining and servicesBaselineEating outAround US$3.70 (RM15) for a simple mealAround US$20 for a similar mealRenting in the cityAround US$620/month for a one-bedroom apartment in central KLAround US$4,390/month in central New YorkPeace and stabilityRanked 12th globally in 2026Ranked 134th globallyGetting by in EnglishRanked highest in Asia among countries assessed by EF EPI 2025English is the primary languageWeatherTropical and warm throughout the yearVaries by state, with four distinct seasons in many areasHealthcarePrivate healthcare is widely available; insurance or out-of-pocket payment is importantMedicare is generally available from age 65 to eligible individualsFamily and friendsLong-distance flights and a significant time differenceEasier to stay close to family and friends based in the US Sources: Numbeo (updated 1 November 2026); Institute for Economics and Peace, Global Peace Index 2026; EF English Proficiency Index 2025; Weather Spark; Medicare.gov. How much further could your money go in Kuala Lumpur? For Americans living in expensive cities, the difference can be particularly noticeable. Housing often takes up a much smaller share of the budget in Kuala Lumpur, leaving more room for dining, travel and other retirement expenses. Monthly expenseNew YorkKuala LumpurDifferenceOne-bedroom apartment in the city centreUS$4,390US$618About 86% lessOne-bedroom apartment outside the city centreUS$3,117US$371About 88% lessMonthly public transport passUS$140US$12About 91% lessMeal at an inexpensive restaurantUS$26.50US$4.90About 82% less Source: Numbeo: New York vs Kuala Lumpur, accessed 3 November 2026. Figures are rounded and may change with exchange rates and user submissions. Healthcare is a major advantage. Malaysia's private hospitals welcomed 1.84 million international patients in 2025. In Penang, a 30-minute clinic consultation was reported by an International Living correspondent to cost just RM120 (US$30). Where the US Still Has the Edge Distance: Most flights to the US require a stopover, while Kuala Lumpur is 16 hours ahead of Los Angeles in winter. Medicare: Healthcare received outside the US is generally not covered. Rainfall: Rain is common year-round, with November typically the wettest month at around 10.7 inches. Where Should You Live: Kuala Lumpur, Penang or Johor? Quick Answer: Kuala Lumpur offers city living and international connections, Penang is known for its food, culture and expat community, while Johor provides easy access to Singapore. Wherever you settle, your MM2H property must meet the state's minimum foreign-buyer price. LocationLifestyleMinimum Foreign-Buyer PriceBest ForKuala LumpurModern city living, shopping, private hospitals and international flightsRM1 million (US$245,900)City life and frequent travelPenangHeritage streets, local food, beaches and an established expat communityAround RM1 million for island condos; lower on the mainlandCulture, food and relaxed livingJohorSuburban living with Singapore nearby; RTS Link scheduled to open on 1 January 2027Around RM1 million in most areasEasy access to Singapore Sources: IQI, foreign home ownership rules in Malaysia (updated 19 October 2026); EdgeProp.my, 28 July 2026. Floors are set by each state and change; confirm before you commit. Living costs also vary. In Penang, an International Living correspondent reports spending around RM10,000 (US$2,500) monthly, including dining out, wine and travel. Which homes clear both price floors? Browse homes that meet your MM2H tier minimum and the state's foreign-buyer price. See MM2H-ready homes What Does MM2H Offer, and What Are the Requirements? Quick Answer: MM2H offers Americans a renewable, multiple-entry long-stay pass, with family members included and no minimum stay for those aged 50 and above. In return, a USD fixed deposit and property purchase are required, with a 10-year resale restriction. Employment is generally limited to Platinum holders. What You Get Long-Term Stay: A renewable pass valid for 5 years (Silver), 15 years (Gold) or 20 years (Platinum), with multiple entries. Flexible Living: No minimum stay for those aged 50 and above, making it easier to split time between Malaysia and the US. Those under 50 must meet a 90-day annual stay requirement. Family Inclusion: Spouses, children under 21 (or up to 34 if unmarried and unemployed) and parents can be included. Property Ownership: A home registered in your name, subject to MM2H and state property rules. The required spending is actually higher than before. But for those who genuinely want to live in Malaysia and are prepared to buy property, it doesn't seem to be a major obstacle. Anthony Liew Yong Huat, President, Malaysia My Second Home Consultants Association (MM2HCA)The Edge Malaysia, 22 September 2025 What You Need MM2H TierFixed DepositMinimum Property PricePass ValiditySilverUS$150,000RM600,000 (US$147,500)5 years, renewableGoldUS$500,000RM1 million (US$245,900)15 years, renewablePlatinumUS$1 millionRM2 million (US$491,800)20 years, renewableSEZ/SFZ (Forest City)US$32,000 (50+) or US$65,000 (21–49)Subject to zone requirements10 years, renewable Source: MOTAC, mm2h.gov.my (last updated 10 February 2026). Ringgit converted at RM4.0665 per US$1, Bank Negara Malaysia, 2 November 2026. Minimum age is 25, or 21 for SEZ/SFZ. What does Silver cost in Kuala Lumpur? A single applicant should budget around US$432,000–US$437,000, including approximately US$37,000–US$41,000 in taxes and fees. Actual costs depend on the property purchased, which must also meet Kuala Lumpur's foreign-buyer minimum price. MM2H also channels new investment into real estate purchases, usually for luxury homes for the visa recipient and their family. Kashif Ansari, Co-Founder and Group CEO, Juwai IQIThe Star (Bernama), 11 March 2025 How to Apply: Applications must be submitted through a MOTAC-licensed company, with approval typically taking three to five months. Once approved, applicants complete a medical check, place their fixed deposit, purchase a property and receive their MM2H pass. Fact Check: 3 Common MM2H Misconceptions "Proof of monthly income or liquid assets is required." Not under the revised June 2024 rules. MOTAC requires a fixed deposit and property purchase, without a separate income or liquid-asset requirement. "The US and Malaysia have a double taxation treaty." False. Malaysia is not listed among the IRS's US income tax treaty partners. "Agents can charge any service fee." False. MOTAC caps fees at RM40,000 (Silver), RM55,000 (Gold) and RM70,000 (Platinum), with a maximum of 20% payable upfront. What Changes for Americans Living in Malaysia? Quick Answer: Moving to Malaysia doesn't end your US financial obligations. You'll still need to report worldwide income to the IRS and may have additional foreign bank account reporting requirements. Social Security benefits can continue, but Medicare generally won't cover healthcare in Malaysia. CategoryWhat Americans Should KnowIncome TaxWorldwide income remains subject to US tax rules, with no US–Malaysia income tax treaty. Malaysia generally exempts qualifying foreign-sourced income received by resident individuals until 2036, but US tax obligations remain.Bank ReportingMM2H deposits exceed the US$10,000 FBAR reporting threshold. Form 8938 may also apply, depending on your filing status and residency.Social SecurityBenefits can generally be received in Malaysia, including through eligible Malaysian bank accounts. In August 2026, 615 payments were made to recipients in Malaysia.MedicareOverseas healthcare is generally not covered. Private or international health insurance should be considered.Travel HomeKuala Lumpur is 13 hours ahead of New York in winter, with most US-bound flights requiring a connection. Sources: IRS, US Social Security Administration, Medicare.gov and The Edge Malaysia (18 October 2024). General information only, not tax advice. Before transferring your MM2H deposit, consult a cross-border tax adviser to understand your US reporting and tax obligations. Is Malaysia Better Than the US for You? Quick Answer: Malaysia may be a better choice for lower living costs, a relaxed lifestyle and easy access to Asia, provided you can meet MM2H's financial requirements. However, the US may suit you better if staying close to family, relying on Medicare or living mainly on Social Security is a priority. Malaysia May Suit You If...Staying in the US May Suit You If...Want your money to stretch two to four times furtherPrefer staying close to familyCan afford a US$150,000 deposit and property purchaseDepend mainly on Social SecurityAre comfortable paying for private healthcareRely on Medicare coverageEnjoy warm weather, local food and travelling across AsiaPrefer four seasons and familiar surroundingsAre 50+ and want flexible stays without minimum-day requirementsWant permanent residency rather than a renewable pass Source: IQI Summary, November 2026. Considering other retirement destinations? Thailand, Mexico and Panama generally have lower financial entry requirements, while Mexico and Panama are closer to the US. Explore our four-country comparison to see how they compare. 5 Things to Check Before Applying Visit Malaysia first. November is a good time to experience the rainy season before deciding. Calculate your total costs. Include the fixed deposit, property purchase, estimated 10%–12% buying costs and agent fees. Use IQI's Property Transaction Fees Calculator to plan your budget. Consult a cross-border tax adviser. Understand your FBAR, Form 8938 and deposit interest reporting obligations. Secure international health insurance. Arrange suitable coverage before relocating. Choose a MOTAC-licensed agent. Confirm all fees in writing, including the RM40,000 Silver service charge and maximum 20% upfront payment. Frequently asked questions about living in Malaysia on MM2H What is it like to live in Malaysia as an American? Living in Malaysia offers Americans a lower cost of living, widely spoken English, affordable private healthcare and year-round warm weather. Malaysia also ranks 12th in the 2026 Global Peace Index. However, the tropical heat, humidity, frequent rainfall and long travel distance to the US may take some adjustment. Is it cheaper to live in Malaysia than in the US? Yes. According to Numbeo data from 1 November 2026, Malaysia's cost of living, including rent, is 57.7% lower than in the US. A lifestyle costing around US$3,100 per month in Kuala Lumpur could cost approximately US$6,200 in Houston or US$12,000 in New York, depending on spending habits. Do People Speak English in Malaysia? Yes. English is widely spoken in Malaysia, particularly in major cities, workplaces, hospitals and banks. According to the EF English Proficiency Index 2025, Malaysia ranks 1st in Asia and 24th globally, making everyday communication easier for English-speaking expats. Is Malaysia Safe for Americans? Yes. Malaysia is generally considered safe for Americans. It ranks 12th out of 163 countries in the 2026 Global Peace Index, compared with 134th for the US. The US State Department also gives Malaysia a Level 1 travel advisory (exercise normal precautions), although increased caution is advised in parts of eastern Sabah. Can US Citizens Apply for MM2H? Yes. US citizens aged 25 and above, or 21 for SEZ/SFZ, are eligible to apply for Malaysia My Second Home (MM2H) through a MOTAC-licensed company, provided they meet the programme requirements. Between October 2024 and August 2026, 284 MM2H applications were submitted from the US, the highest number from any country outside Asia. How much money do Americans need for MM2H? Silver needs a US$150,000 fixed deposit and a home of at least RM600,000 (about US$147,500). For a single applicant buying in Kuala Lumpur, IQI estimates about US$432,000 to US$437,000 all in. Can I split my year between the US and Malaysia on MM2H? Yes, if you are 50 or older, because there is no minimum stay. Under 50, your household must spend 90 days a year in Malaysia, shared between you, your spouse and dependants. Do Americans on MM2H still pay US taxes? Yes. US citizens are taxed on worldwide income wherever they live, and there is no US-Malaysia income tax treaty. Your MM2H fixed deposit also means filing an FBAR each year. Make your move to Malaysia count. Your MM2H application goes through a MOTAC-licensed company. Your home search can start with IQI. Tell us your tier, budget and the life you want, and a local IQI agent will shortlist homes that clear both the MM2H minimum and the state's foreign-buyer floor. Leave your details below and we'll be in touch. [custom_blog_form] Continue reading: MM2H Europe: Is Living in Malaysia Worth It for Europeans in 2026? MM2H UAE: Is Living in Malaysia Better Than Dubai in 2026? MM2H China: Are Chinese Buyers Taking Over Malaysian Property? MM2H Explained: Why Malaysia Is a Safe Haven for Property Investors in 2026 Sources Business Insider (syndicated on AOL), Ward Chartier as told to Amanda Goh, updated 19 November 2025 MOTAC, MM2H category overview, last updated 10 February 2026 MOTAC, MM2H Silver category MOTAC, MM2H requirements and guidelines MOTAC, Garis Panduan Lesen MM2H (MM2H licence guidelines), 21 June 2024 Immigration Department of Malaysia, MM2H page Bernama, MM2H draws 7,650 applications, 26 September 2026 Malay Mail, Over 740 bought homes under MM2H, 4 February 2026 EdgeProp.my, Nearly 6,000 foreign nationals approved for MM2H visas, 17 October 2025 EdgeProp.my, Malaysia remains one of Asia's most accessible property markets for foreign buyers, 28 July 2026 The Star (Bernama), Reformed MM2H programme boosts economy, 11 March 2025 The Edge Malaysia, The State of the Nation: Malaysia's second home dream back on track, 22 September 2025 The Sun, New MM2H participants not eligible for PR status, 15 June 2024 Malay Mail, Malaysia climbs to 12th in Global Peace Index 2026, 25 June 2026 The Spokesman-Review, US falls again in global peace rankings, 11 June 2026 The Star, Malaysians lead Asia in English proficiency, 21 November 2025 Weather Spark, Average weather in Kuala Lumpur Malay Mail, Private hospitals drive Malaysia's RM7b medical tourism ambition, 19 April 2026 AMCHAM Malaysia, Thanksgiving Luncheon 2025 IRS, US citizens and resident aliens abroad IRS, Report of Foreign Bank and Financial Accounts (FBAR) IRS, Do I need to file Form 8938? IRS, United States income tax treaties, A to Z The Edge Malaysia, Foreign-sourced income exemption extended to 2036, 18 October 2024 SSA, Your Payments While You Are Outside the United States, April 2026 SSA, Payments to Beneficiaries Outside the U.S., August 2026 Medicare.gov, Travel outside the U.S. US Department of State, Malaysia Travel Advisory Numbeo, Kuala Lumpur vs New York, San Francisco, Los Angeles and Houston, 1 November 2026 Numbeo, Malaysia vs United States, 1 November 2026 International Living, 2026 Annual Global Retirement Index Royal Thai Ministry of Foreign Affairs, Non-O retirement visa requirements Consulate of Mexico in Douglas (SRE), Temporary resident visa Panama National Migration Service, Jubilado/Pensionado requirements Bank Negara Malaysia, exchange rates, 2 November 2026 X-rates, historical USD/MYR, 3 June 2024 (USD/THB also from X-rates, 2 November 2026) IQI Global, Foreign home ownership rules in Malaysia, updated 19 October 2026

Which houses are suitable for MM2H? It’s one of the first questions new participants ask, and the answer is less obvious than it looks. Your MM2H tier gives you a minimum price. Your state adds its own minimum for foreign buyers. The higher number is the one that counts. By the end of 2025, 744 MM2H participants had bought homes in Malaysia, with 2,637 more in the process. Here’s how to make sure yours is the right one. TL;DR MM2H requires a residential property purchase: RM600,000 (Silver), RM1 million (Gold) or RM2 million (Platinum). The state's foreign-buyer minimum also applies, and the higher number wins. That's RM1 million in Kuala Lumpur and RM2 million in most of urban Selangor. Condominiums are the most practical MM2H home. Landed houses carry higher floors or are closed to foreigners in many areas. Budget 10% to 12% on top of the price. Foreign buyers pay a flat 8% stamp duty. You can't sell for 10 years unless you upgrade to a higher-value home, so buy for the long stay. In this guideWhat Houses Are Suitable for MM2H in Malaysia?Why Your State Matters More Than Your MM2H TierCondo, Landed or Retirement Home: Which Fits MM2H Buyers?Best Places to Buy a House Under MM2H in MalaysiaHow Much Should Foreigners Budget for an MM2H Home?Before You Sign: The 10-Year Rule, Resale and RentingFrequently Asked Questions What Houses Are Suitable for MM2H in Malaysia? Houses suitable for MM2H include condominiums, serviced residences, apartments and landed homes. However, the property must meet two minimum price requirements: Your MM2H category's minimum purchase price. The state's minimum price for foreign buyers. Other key rules: Purchase within 12 months of MM2H approval. Inherited properties do not qualify. No resale for 10 years, unless upgrading to a higher-value property. MM2H tierFixed depositMinimum property priceTime to buySilverUSD150,000RM600,00012 months after approvalGoldUSD500,000RM1 million12 months after approvalPlatinumUSD1 millionRM2 million12 months after approvalSEZ/SFZUSD65,000 (age 21 to 49) or USD32,000 (50 and above)Forest City, Johor only, bought directly from the developer3 months after approval Sources: MOTAC tier terms as published by licensed MM2H agents (October 2026). Always confirm current figures on mm2h.gov.my. One useful detail: you can withdraw up to 50% of your fixed deposit to buy your home after approval. For a Gold holder, that's up to USD250,000 working towards the property instead of sitting idle. Why Your State Matters More Than Your MM2H Tier MM2H doesn't override state land rules. Every foreign purchase still needs state consent under Section 433B of the National Land Code, which typically takes one to three months. Each state also sets its own minimum price for foreign buyers. So the number that matters is simple: Your real minimum = the higher of your MM2H tier minimum or the state's foreign-buyer minimum LocationStrata minimumLanded minimumReal minimum for a Silver holderKuala LumpurRM1 millionRM1 millionRM1 millionSelangor Zones 1 and 2 (e.g. Petaling, Sepang, Gombak)RM2 millionGenerally not open to foreignersRM2 millionPenang IslandRM1 millionRM3 millionRM1 millionPenang MainlandRM500,000RM1 millionRM600,000 (strata)JohorRM1 millionRM2 millionRM1 million Indicative thresholds compiled from industry sources, August 2026. State policies change, so confirm with your conveyancing lawyer before committing. A Silver budget of RM600,000 buys almost nothing in KL or Petaling Jaya. It only stretches in places with lower floors, such as mainland Penang. The industry has noticed. Rehda's immediate past president, Datuk Ho Hon Sang, has proposed cutting KL's foreign threshold to RM600,000 to match the MM2H minimum, according to EdgeProp. For now, it remains a proposal. Who's actually buying under MM2H? See which nationalities lead MM2H home purchases and what it means for the market. Read the analysis Condo, Landed or Retirement Home: Which Fits MM2H Buyers? MM2H asks you to spend at least 90 days a year in Malaysia, so most participants live here part of the year. That changes what a "good" house looks like. FactorCondominiumLanded houseRetirement-friendly unitForeign price floorLowest availableHigher, or closed in some zonesUsually strata, so same as condoSecurityGuarded, access-controlledStrongest in gated communitiesGuarded, lift accessUpkeep while you're awayManagement handles common areasAll on youLowBest forMost MM2H buyers, especially part-year residentsFamilies wanting space, Platinum budgetsRetirees prioritising accessibilityWatch out forMaintenance fees and sinking fundRM2 million to RM3 million floorsLimited purpose-built supply For most foreigners, the condo wins on paper and in practice. A home that runs itself while you're overseas is worth more than an extra bedroom. Before you compare units, understand what condo management fees actually cover. Tenure matters too. With a 10-year holding period, a leasehold unit loses lease years before you're even allowed to sell. Our leasehold vs freehold guide explains how that affects resale. Best Places to Buy a House Under MM2H in Malaysia There's no single best city. The right area depends on how you'll live, and what the state lets you buy. AreaBest forRealistic entry for foreignersWhy it worksMont Kiara, KLExpat familiesRM1 million (strata)International schools and an established expat communityKLCC and Bukit BintangCity loversRM1 million (strata)Rail access, dining and retail on your doorstepPenang IslandRetireesRM1 million (condo)Coastal living, heritage George Town and private hospitalsPenang MainlandSilver tier, value seekersRM600,000 (strata)The lowest workable floor on this list, close to the islandJohor BahruSingapore-connected buyersRM1 million (strata)Proximity to Singapore and the RTS LinkForest City, JohorSEZ/SFZ tier onlyDeveloper price, direct purchaseLower deposit tier, but no resale or agent purchases allowed A quick reality check on Forest City: the SEZ/SFZ tier only accepts homes bought directly from the developer. A subsale unit there will not qualify, whoever is selling it. Kuala Lumpur (foreign-buyer minimum RM1 million) [property_carousel property_type="buy" states="Kuala Lumpur"] Explore Homes for MM2H Buyers in KL and Selangor How Much Should Foreigners Budget for an MM2H Home? The tier minimum is the entry ticket, not the total bill. Lawyers quoted by EdgeProp put all-in acquisition costs for foreigners at 10% to 12% of the price. Worked example: a RM1 million condo in Kuala Lumpur (Gold tier) CostHow it's worked outEstimatePurchase priceMeets Gold tier and KL floorRM1,000,000Stamp duty (transfer)Flat 8% for foreign buyersRM80,000SPA legal fee1.25% on first RM500,000, 1% on next RM500,000, plus 8% SSTRM12,150State consent, registration, disbursementsVaries by stateConfirm with lawyerBudget on top of the price10% to 12% all-inRM100,000 to RM120,000 Illustrative only. Fees depend on the state, the lawyer and whether you take a loan. Run your own figures with the IQI property transaction fees calculator. Stamp duty alone eats 8% before you've bought a single piece of furniture. Then add the running costs: maintenance fees, sinking fund, quit rent and assessment tax, every year, whether you're in Malaysia or not. For the full list of line items, see our breakdown of the real cost of buying a house in Malaysia. Before You Sign: The 10-Year Rule, Resale and Renting Your MM2H home is a 10-year commitment. You can only sell early if you upgrade to a higher-value property. Run through this checklist before paying a booking fee. Price test: does this exact unit clear both your tier minimum and the state floor? Restricted categories: Bumiputera lots, low-cost and low-medium-cost units are closed to foreign buyers. Tenure: freehold or leasehold, and how many lease years will remain in year 10? State consent: who files it, and is the one to three month wait built into your timeline? Exit plan: will a local or foreign buyer want this unit in 10 years? Rental plans: the published MM2H rules restrict selling but don't spell out renting. Confirm with your licensed MM2H agent and check the building's house rules on leasing. There's a quiet upside to the lock-in. Foreign owners pay 30% real property gains tax (RPGT) on disposals within five years, dropping to 10% from year six. The 10-year rule automatically puts you in the lower tax band when you do sell. Foreign demand is not disappearing, it is becoming more disciplined. Adrian YeohExecutive Director, Knight Frank Property Hub, speaking to EdgeProp (July 2026) New to buying property in Malaysia? Walk through every step from booking fee to keys in our complete buying guide. Read the guide From the authorResearching this guide, one thing kept coming up. Most MM2H content starts with the tier, and that's backwards.If I were moving here, I'd pick the state first, check its foreign-buyer floor, and only then decide which tier makes sense. In KL, Silver and Gold point you at the same RM1 million homes, so the real choice is about the deposit, not the house.And I'd choose a home I'd still be happy in at year nine. Under MM2H, that's not a nice-to-have. It's the rule. Frequently Asked Questions What types of houses are suitable for MM2H in Malaysia? Condominiums, serviced residences, apartments and landed houses can qualify for MM2H. Properties must meet both the MM2H tier minimum and the state's foreign-buyer minimum. Bumiputera lots, low-cost and low-medium-cost homes are generally restricted, while inherited properties do not qualify. What is the minimum property price for MM2H? The minimum is RM600,000 (Silver), RM1 million (Gold) and RM2 million (Platinum). SEZ/SFZ participants must buy directly from a developer in Forest City, Johor. Higher state minimums, such as RM1 million in Kuala Lumpur, take precedence. Can MM2H holders buy a landed house? Yes, but higher foreign-buyer minimums apply, such as RM2 million in Johor and RM3 million on Penang Island. Landed homes are also restricted in much of urban Selangor. Condominiums are generally a more affordable and practical option for MM2H buyers. Can I buy a condo in Kuala Lumpur with an MM2H Silver pass? Yes, but the minimum purchase price is RM1 million, not RM600,000, due to Kuala Lumpur's foreign-buyer rules. The Silver tier's RM600,000 minimum only applies where state requirements allow. Can I sell my MM2H property after five years? No. MM2H properties cannot be sold within 10 years, unless upgrading to a higher-value home.After 10 years, foreign owners generally pay 10% Real Property Gains Tax (RPGT) on taxable gains, subject to applicable exemptions and rules. Do I need to buy a property before MM2H approval? No. Property purchases are required after MM2H approval, generally within 12 months for Silver, Gold and Platinum, or three months for SEZ/SFZ. Participants may withdraw up to 50% of their fixed deposit for eligible property purchases. Can I rent out my MM2H property? MM2H guidelines do not clearly specify rental restrictions. Check with a licensed MM2H agent and your building management before renting out your property. You must also meet the 90-day annual stay requirement, where applicable. Your Second Home in Malaysia Starts with the Right Choice. Finding an MM2H-eligible property doesn't have to be complicated. From choosing the right location to checking property eligibility and handling the buying process, IQI agents are here to help you find a home that fits your lifestyle and budget. Ready to find your ideal MM2H home? Talk to an IQI agent today for a free, no-obligation consultation! [custom_blog_form] Sources New Straits Times, "China, Taiwan and Singapore lead MM2H property buyers", 4 February 2026 EdgeProp Malaysia, "Malaysia remains one of Asia's most accessible property markets for foreign buyers in 2026", 28 July 2026 Ministry of Tourism, Arts and Culture (MOTAC), MM2H category overview, mm2h.gov.my MOTAC SEZ/SFZ announcement, 28 May 2025, as reported by PropCashflow, 16 October 2026 ASEAN Briefing, "Overhaul for Malaysia's My Second Home Program", July 2024 National Land Code, Section 433B (foreign acquisition consent) Solicitors' Remuneration Order 2023 (legal fee scale)

You did not overthink it when you put the latest iPhone on a monthly plan. So why does buying a home feel like a completely different game? Here is the plot twist: the maths is not that different. Both come down to a price, a monthly payment and a fixed number of years. The real difference is the size and the length, because a home loan usually runs for 30 to 35 years, not 12 to 24 months. This guide breaks it down in plain words, so buying your first home feels like a plan, not a mystery. Yes, it is a big commitment. But with the right numbers, it is more doable than it looks. TL;DR A home loan works like a phone plan: a price, a monthly payment and a set number of years. The difference is that a home loan runs for 30 to 35 years. Banks usually finance up to 90% of the price for your first two homes, so plan for at least a 10% down payment. Budget another 10% to 15% on top for legal fees, stamp duty, valuation and moving-in costs. Keep your monthly instalment within 30% to 40% of your income. Most banks want your total debts within roughly 60% to 70% of income (your DSR). First-time Malaysian buyers pay no stamp duty on homes up to RM500,000 until 31 December 2027. Budget 2027 proposes to raise this to RM750,000 for SPAs signed from 1 January 2027 to 31 December 2030. If you are single, you can rent out spare rooms to lower the amount you pay toward the instalment yourself. What's insideTL;DRHow Is Buying a House Like Buying an iPhone?What Are the 3 Numbers That Matter?What Does a RM300,000 Home Actually Cost?Where Does the iPhone Comparison Stop Working?Can Your Spare Rooms Help Pay the Instalment?Is Buying a Home Out of Reach?What Are Your First 3 Moves?Frequently Asked Questions How Is Buying a House Like Buying an iPhone? Think about how you chose your last phone. You probably looked at the monthly number, not the full price. A home loan works on the same logic. Same thinking, very different stakes. Here is how they compare: Phone on instalmentHome with a home loanExample priceRM5,500RM300,000Payment period12 to 24 months30 to 35 yearsMonthly paymentAbout RM208 at 0% interestAbout RM1,195 at 4% interest (see the worked example below)Upfront costOften RM0Usually a 10% down payment, plus feesInterestOften 0%Yes, set by the bankChanging your mindUpgrade it or sell itMuch harder: lock-in periods and early settlement penalties Phone figures are an example only, and plans differ by telco and bank. Home loan figures are illustrative. What Are the 3 Numbers That Matter? Before you fall in love with a unit, know these three numbers. They decide what you can realistically buy. Monthly instalment. The amount you pay the bank every month. A safe rule of thumb is to keep it within 30% to 40% of your monthly income. Down payment. Banks usually finance up to 90% of the price for your first two homes, so plan for at least 10% upfront. Some government schemes work differently, so check the first-home schemes before you decide. One-off fees. Legal fees, stamp duty, valuation and moving-in costs. Keep a 10% to 15% buffer on top of your down payment, and read up on the hidden fees first-time buyers often miss. There is one more number banks care about: your Debt Service Ratio (DSR). It is the share of your income already going to debt repayments, such as car loans and credit card payments. Most banks want it within roughly 60% to 70%, and a high DSR is one of the most common reasons home loans get rejected. Learn how DSR works. What Does a RM300,000 Home Actually Cost? Let's run the numbers on a RM300,000 first home. You would need about RM30,000 upfront and a monthly instalment of roughly RM1,195, based on the assumptions below. ItemAmountNoteHome priceRM300,000Example onlyDown payment (10%)RM30,000The bank finances the other 90%Loan amountRM270,000Monthly instalment (35 years)About RM1,195Assumes 4% interest a year. Your rate depends on the bank and current rates.Monthly instalment (30 years)About RM1,289Same assumptions, shorter loanLegal fees (SPA)RM3,7501.25% on the first RM500,000, before disbursements and SST. The loan agreement has a separate legal fee.Valuation feeAbout RM750Roughly 0.25% of the priceStamp dutyRM0 if you qualifyFirst-time Malaysian buyers are exempt on homes up to RM500,000 until 31 December 2027, and Budget 2027 proposes to widen this (see below). Without it, expect about RM5,000 on the transfer and RM1,350 on the loan agreement. Budget 2027 update (proposed). Good news for first-time buyers: for SPAs signed from 1 January 2027 to 31 December 2030, Malaysian first-time buyers would get stamp duty relief on the loan agreement and the transfer instrument for first homes up to RM750,000. The first RM500,000 is fully exempt, and the balance gets a 50% exemption. It applies to your first home only and takes effect once Parliament passes the Budget. See Budget 2027 Malaysia: key property highlights. A RM1,195 instalment within 30% to 40% of income points to a monthly income of roughly RM3,000 to RM4,000, before looking at your other debts. Here is the honest truth: over the full 35 years you would repay about RM502,000, and about RM232,000 of that is interest. That is why it pays to compare banks, check the latest house loan interest rates, and look at flexi, semi-flexi and fixed loans, where extra payments can reduce interest. Use the property transaction fees calculator to estimate your own one-off costs. Where Does the iPhone Comparison Stop Working? The iPhone analogy helps you read the numbers, but a home loan is a bigger and much less flexible deal. Here are the five differences that matter most: Length. A phone plan ends in a year or two. A home loan runs for 30 to 35 years, so your life will change a lot while you are still paying. Interest. Many phone plans are 0%. A home loan charges interest, so you repay far more than the price. Exit. You cannot hand a house back after a bad month. Loans often have a lock-in period and an early settlement penalty, so check both before you sign. Running costs. Maintenance fees, the sinking fund, insurance and utility deposits are separate from your instalment. Speed. A phone plan is approved in minutes. Home loan approval usually takes 1 to 2 weeks, and a subsale purchase takes 3 to 6 months from booking to keys. Bottom line: that is the real commitment. It is not a reason to avoid buying. It is a reason to know your numbers first. Can Your Spare Rooms Help Pay the Instalment? Here is where a home beats a phone. A phone only costs you money, but a home can pay you back. If you are single, you can live in one room and rent out the others, and the rent can reduce your share of the monthly instalment. iPhoneHomeCan it earn income?No. Reselling usually brings in less than you paidYes, by renting out your spare rooms to tenantsWhen can you start?Straight awayOnce you have the keys: 3 to 6 months from booking for a subsale, 24 to 48 months for a property under constructionWhat can the income cover?Nothing toward the paymentPart or all of your monthly instalment, depending on the rentMain risksDamage, theft and newer modelsEmpty months, a tenant who does not pay, repairs Plenty of single buyers do exactly this. How much it helps depends on three things: Number of rooms. More spare rooms means more rent. A studio has none to spare, while a three-bedroom unit may have two. Average rent in the area. Room rents differ a lot from one area to the next, so check what similar rooms nearby are listed at before you buy. Facilities and connectivity. Tenants look for easy access to public transport such as the MRT, LRT or KTM, a reasonable commute, and good security and amenities. These also tend to decide how quickly a room gets rented. Here is how it could look with our example. If one spare room rents for RM600 a month, your share of the RM1,195 instalment drops to about RM595, before costs. The RM600 is an illustration, not a market rent. One client of an IQI agent did something similar: they bought a RM350,000 home, lived in one room and rented out the rest, and the rent covered the monthly mortgage. You can read more in our guide for young and single buyers. Real talk before you count on the rent: Rent is not profit. Maintenance fees, the sinking fund, insurance and repairs come out of it, and rental income may be taxable. See what landlords actually pay in rental income tax. Plan for gaps. A room can sit empty, or a tenant may not pay. Keep savings to cover about 3 months of instalments, and use a written rental agreement. You will share your home. Renting rooms means living with people you did not choose, so screen tenants and agree house rules upfront. Check the rules first. Ask your lawyer or agent whether your agreements or the building's rules limit renting. Treat rent as a bonus that eases the monthly payment, not a guarantee. Still deciding between renting and buying? Read Renting Forever or Buying a House? Is Buying a Home Out of Reach? Less than it feels. Buying a first home takes preparation more than luck, and there is real help for first-time buyers: Stamp duty exemption. Good news for first-time buyers: Malaysian first-time buyers of a home up to RM500,000 pay no stamp duty on the transfer or the loan agreement until 31 December 2027. On a RM500,000 home, that saves RM11,250. Budget 2027 proposes to raise the cap to RM750,000 for SPAs signed from 1 January 2027 to 31 December 2030, with the first RM500,000 fully exempt and 50% off the balance, subject to Parliament passing the Budget. Government schemes. PR1MA, Residensi Wilayah and rent-to-own exist for first-time and lower-to-middle income buyers. See the first-home schemes guide, the affordable housing programs and how rent-to-own works. No fixed payslip. The SJKP credit guarantee helps buyers without a fixed salary, such as gig workers, get a home loan. Not every scheme suits every buyer, and eligibility rules apply, so check the details before you plan around one. If you are single and on one income, our guide for young and single buyers covers more strategies. What Are Your First 3 Moves? You do not need to commit to anything yet. Start here: Find your comfortable monthly number. Multiply your monthly income by 30% and 40%. That range is the instalment to aim for. See how much home loan your salary can get. List your debts. Add up car loans, credit cards and other commitments to see how they affect your DSR. Paying off small debts first can help. Compare at least 3 banks. Even a 0.1% difference in rate can save thousands over a long loan, so compare rates, lock-in periods and flexi features. Still building your down payment? Read how Gen Z can save to buy a house before 30. Ready to make your first move? Follow our step-by-step guide to buying property in Malaysia, or talk to an IQI agent. Frequently Asked Questions Can I buy a house on monthly instalments? Yes. Most buyers use a home loan and repay it every month. You still need the down payment and the one-off fees upfront. How many years is a home loan in Malaysia? Commonly 30 to 35 years. A longer loan means a lower monthly payment but more interest overall. Do I need to pay everything upfront? No. You pay a booking fee or deposit, then the down payment, which is usually 10%, and the bank finances the rest. Budget for fees and moving-in costs too. Can I use EPF to help pay for a house? Some buyers can use EPF savings toward housing, but the rules and amounts depend on your account. Read our guide to withdrawing EPF Account 2 to buy a house. Ready to start? Fill in your details below, and our IQI agents will contact you to guide you through the process, from budget and loan to keys. [custom_blog_form] Related reading: First-Time Home Buyer Guide Malaysia 2026: From Savings to Keys Rent vs Buy in Malaysia: Which Makes Sense with Your Current Salary? Gen Z’s Guide to Saving Money to Buy a House Before 30

Malaysia’s commercial property market closed RM24.13 billion in deals in the first half of 2026.The headline looks calm, but underneath it a sharp split is forming: some buildings are almost full, while others sit half empty. With Johor’s data centres booming and the RTS Link and JS-SEZ around the corner, where is the money going, and what does it mean for you? Key Takeaways Commercial deals held steady in 1H2026: 21,454 transactions worth RM24.13 billion, almost unchanged from a year earlier. Offices are splitting in two. KL Fringe buildings are 88.6% occupied, while KL's old CBD is only 54.1% full. Industrial property and data centres lead demand, with Johor's data centre vacancy at just 0.7%. The JS-SEZ, the RTS Link (targeted for February 2027) and a stable 2.75% OPR are the main growth drivers. The biggest risks are a serviced apartment overhang, new supply and construction costs up about 13%. What You’ll Discover in This Guide1. Market performance: flat volume, softer value2. Office: a tale of two markets3. Retail: prime malls thrive, the rest compete4. Industrial, logistics and data centres: the standout5. What is driving demand6. The risks to watch7. Outlook for 2027ConclusionFrequently Asked Questions 1. Market performance: flat volume, softer value Commercial property held its ground in 1H2026, even as the wider market slipped. The National Property Information Centre (NAPIC) recorded 21,454 commercial transactions worth RM24.13 billion, almost unchanged from a year earlier. SegmentTransactions1H2025Transactions1H2026ChangeValue 1H2025(RM)Value 1H2026(RM)ChangeCommercial21,26021,454+0.9%24.4524.13-1.3%Industrial4,1483,932-5.2%14.2514.78+3.7%All property196,232187,320-4.5%107.68105.12-2.4% Sources: NAPIC via The Edge Malaysia, 1H2026 and 1H2025. Commercial deals made up about 11.5% of all transactions but 23% of total value. That gap is the nature of the asset class: fewer deals, bigger tickets. One condition: NAPIC counts serviced apartments and SoHo units as commercial because they sit on commercial-titled land. For more on how the year started, read our NAPIC Q1 2026 breakdown. 2. Office: a tale of two markets Office demand is improving, but almost all of it is going to new, green, well-located buildings. Nationwide purpose-built office occupancy rose to 78.5% in 1H2026 from 77.8%, the Finance Ministry reported. Rents follow the same split. Offices in KL's new CBD averaged RM7.45 psf a month in 1Q2026, against RM4.47 psf in the old CBD, according to Knight Frank.Supply is the swing factor. About 4.61 million sq ft of new office space is due in the Klang Valley in 2026 and 2027, mostly in the KL Fringe, while KL's overall vacancy sits near 30% (Cushman & Wakefield).For older towers, the answer is refurbishment or conversion into hotels and homes, helped by Budget 2026 tax incentives for repurposing commercial buildings. 3. Retail: prime malls thrive, the rest compete Retail property is holding up, but shoppers and tenants are getting choosier. Nationwide shopping complex occupancy slipped to 77.9% in 1H2026 from 78.7% a year earlier, according to the Finance Ministry. Top malls such as Suria KLCC, Pavilion Kuala Lumpur and Mid Valley Megamall stay above 90% occupied, while older and smaller malls struggle to fill space.Spending is growing, but slowly. Retail sales rose just 2.5% in 2Q2026, below the 4.8% retailers expected, as shoppers chased vouchers and cheaper brands.New supply adds pressure. About 2.0 million sq ft of retail space is due in the Klang Valley by end-2026, including 118 Mall at Merdeka 118, which opens in November with more than 300 outlets.Shop lots face their own supply wave, with completed shop units more than doubling year on year in 1Q2026. Well-located shophouses in busy townships still rent well, but check local vacancy before paying new-launch prices. Thinking of buying a shoplot or office unit? Work out your monthly repayments with our mortgage calculator before you start viewing. 4. Industrial, logistics and data centres: the standout Industrial property is where the strongest demand sits. NAPIC recorded 3,932 industrial deals worth RM14.78 billion in 1H2026, with value up about 3.7% even as the number of deals fell.Klang Valley warehouses were 96.1% occupied in 1Q2026, even after 2.8 million sq ft of new space was completed (CBRE | WTW). Another 7.2 million sq ft is due by end-2026, which could cool rental growth. Data centres are the headline act, and Johor leads. It has 1,110 MW of live IT capacity, third in Asia Pacific, and the region's biggest pipeline at 8,542 MW. Co-location vacancy is just 0.7%, against 4.9% in Singapore.Land deals follow the servers. Disclosed data centre land and property deals reached about RM1.02 billion in Johor and RM1.4 billion in Selangor and KL in 1H2026.The catch is utilities. Rising power and water tariffs are narrowing Johor's cost edge over Singapore, and the state now vets new data centre projects through a special technical committee. 5. What is driving demand Six forces are shaping commercial property demand in 2026, and most of them favour industrial land, prime offices and well-run malls. Strong investment inflows. Malaysia approved RM218.5 billion of investments in 1H2026, up 11.7%, with Selangor and Johor taking about 59%. New factories, offices and data centres all need space. The RTS Link. Passenger service is targeted for February 2027, and at least 20 projects have launched within 5 km of the Johor Bahru terminal. The JS-SEZ. The Johor-Singapore Special Economic Zone drew RM132 billion of investments from 2025 to June 2026, and qualifying firms pay a 5% corporate tax rate. Stable borrowing costs. Bank Negara has held the OPR at 2.75% since July 2025, most recently on 3 September 2026. Trade and tech flows. CBRE | WTW expects the Malaysia-US trade agreement to draw more foreign money into industrial parks, mixed-use projects and offices. Lower tax on rent. Service tax on rental and leasing fell to 6% from 8% on 1 January 2026, easing costs for business tenants. 6. The risks to watch The biggest risks are too much new space in the wrong places, rising building costs and a careful consumer. Office oversupply. KL's office vacancy is near 30%, and more towers complete in 2H2026. Older, non-prime buildings will feel it first. Rising construction costs. Developers reported costs up about 13% on average in 1H2026 as diesel and bitumen prices climbed. Warehouse supply. About 7.2 million sq ft of new Klang Valley industrial space by end-2026 could slow rental growth. Careful shoppers. With retail sales up only 2.5% in 2Q2026, malls without a clear draw will struggle to raise rents. Rates and geopolitics. Some economists see an OPR hike risk in 2027, and energy prices remain tied to tensions in West Asia. Serviced apartment overhang. 23,375 completed serviced apartments worth RM19.33 billion were unsold in 1H2026, over half priced between RM500,001 and RM1 million. See our housing overhang analysis. Malaysia Housing Overhang 2026 7. Outlook for 2027 Expect the two-speed market to carry into 2027. Industrial, logistics, data centres and Johor should lead, while older buildings will need to upgrade, convert or cut rents.Budget 2027 offers little direct help. Savills' Paul Khong called it "not a property-led budget", but still expects industrial, logistics and data centre assets and Johor's growth corridors to do well.The gains come indirectly: a RM15 billion TNB grid upgrade that could open data centre sites beyond the Klang Valley, plus enhanced Global Services Hub incentives from January 2027 and a planned elevated ART line in Johor Bahru. The RTS Link start is the clearest signal of whether cross-border demand turns into higher commercial rents in Johor Bahru. Conclusion Malaysia's commercial property story is no longer about recovery. It is about relevance: buildings that match how companies now work, shop and store data are pulling ahead, and the rest are being left to reinvent themselves. For buyers and investors, that rewards homework over headlines. Look at how full nearby buildings are, what supply is coming within a few kilometres, and whether the asset can keep up with tenants' rising standards. Frequently Asked Questions 1. How is Malaysia's commercial property market performing in 2026? Steady. NAPIC recorded 21,454 deals worth RM24.13 billion in 1H2026, nearly flat year on year. However, demand is shifting to newer, well-located buildings. 2. Which commercial property segment has the strongest demand? Industrial, logistics and data centres. Klang Valley warehouses are 96.1% occupied, while Johor’s data centre vacancy is just 0.7%. 3. Are serviced apartments and SoHo units considered commercial property? Yes, in NAPIC’s data, because they sit on commercial-titled land. So check the land title, utility tariffs and maintenance fees before you buy. 4. How much RPGT do I pay when I sell a commercial property? It depends on who sells and when. Citizens and PRs pay 30% within three years, falling to 0% from year six. In contrast, companies and foreigners still pay 10% from year six (PwC). 5. Is there SST on commercial property rental? Yes, at 6% since 1 January 2026, down from 8%. However, small businesses with annual sales below RM1.5 million are exempt. Looking to Invest in Commercial Property?Whether you are eyeing a shoplot, an office unit or industrial land, our property consultants can help you compare locations, prices and rental potential. Leave your details below and we will get in touch. [custom_blog_recruit_form] Continue Reading: Malaysia Housing Overhang 2026: Why RM300K Homes Stay Unsold NAPIC Q1 2026: What Malaysia's Property Data Means for Buyers Guide to the Johor Real Estate Market Outlook (2025-2026) References Bank Negara Malaysia. (n.d.). OPR decisions. bnm.gov.my. Retrieved from https://www.bnm.gov.my/monetary-stability/opr-decisions CBRE | WTW. (2026). CBRE | WTW. (2026). Klang Valley property market, 1Q 2026 [MarketView snapshot]. cbre-wtw.com.my. Retrieved from https://cbre-wtw.com.my/wp-content/uploads/2026/05/Klang-Valley-Snapshot-1Q-2026.pdf EdgeProp.my. (2026, July 31). EdgeProp.my. (2026, July 31). Johor leads Asia-Pacific data centre pipeline as Klang Valley sees 1H2026 investment rebound, says Knight Frank. edgeprop.my. Retrieved from https://www.edgeprop.my/content/1916967/johor-leads-asia-pacific-data-centre-pipeline-klang-valley-sees-1h2026-investment-rebound-says-knight-frank Malaysian Investment Development Authority. (2026, August 28). Malaysia secures RM218.5 billion in approved investments in 1H 2026, with domestic investment in manufacturing up 23%. mida.gov.my. Retrieved from https://www.mida.gov.my/media-release/malaysia-secures-rm218-5-billion-in-approved-investments-in-1h-2026-with-domestic-investment-in-manufacturing-up-23/ Ministry of Finance Malaysia. (2026, September 10). Majlis Pelancaran Laporan Pasaran Harta Separuh Pertama Tahun 2026 [Speech by the Minister of Finance II]. mof.gov.my. Retrieved from https://mof.gov.my/portal/images/2026/09/12/20260910-Teks-Ucapan-MK-II-Pelancaran-LPH-2026.pdf National Property Information Centre. (n.d.). NAPIC official portal. napic.jpph.gov.my. Retrieved from https://napic.jpph.gov.my/ PwC Malaysia. (n.d.). Real property gains tax. In 2025/2026 Malaysian tax booklet. pwc.com. Retrieved from https://www.pwc.com/my/en/publications/mtb/real-property-gains-tax.html The Edge Malaysia. (2025, September 4). Malaysia's property market softens as deal volume dips, developers slow launches, first-half data shows. theedgemalaysia.com. Retrieved from https://theedgemalaysia.com/node/769317 The Edge Malaysia. (2026, June 18). Klang Valley office market showed modest improvement in 1Q2026. theedgemalaysia.com. Retrieved from https://theedgemalaysia.com/node/806058 The Edge Malaysia. (2026, September 10). Malaysia flags growing property overhang amid slowing transactions in 1H2026. theedgemalaysia.com. Retrieved from https://theedgemalaysia.com/node/817533