PropCashflow Blog
Property investment insights, cashflow analysis guides, and market updates for Malaysian investors.
RPGT, Stamp Duty & Tax Guide for Singaporeans Buying in Malaysia (2026)
From 8% stamp duty to 30% rental tax to RPGT — every tax a Singaporean pays when buying Malaysian property in 2026, with worked examples.
Read articleSingapore vs Malaysia Property: Where SGD 500K Goes Further
SGD 500K buys a shoebox in SG or a 3-bedroom cashflow-positive condo in KL. We compare rental yields, taxes, and net returns side by side.
Read articleJohor Property for Singaporeans: RTS, JS-SEZ & Cashflow (2026)
The RTS Link and JS-SEZ are reshaping Johor property. Here is what Singapore investors need to know about cashflow, stamp duty, and financing in 2026.
Read articleEPF Withdrawal for Property: Rules, Limits & Strategy
How to use EPF Account 2 to buy property in Malaysia — eligibility rules, withdrawal limits, step-by-step process, and whether it makes financial sense.
Read articleIslamic Financing for Foreign Investors in Malaysia (2026)
Malaysia is the world's largest Islamic finance market. Here is how foreign investors can use Islamic financing and why it may beat conventional.
Read articleLanded vs Condo Malaysia: Which Gives Better Cashflow?
Data-driven comparison of landed property vs condo for rental cashflow in Malaysia — costs, yields, appreciation, management effort, and the room rental edge.
Read articleMaintenance Fees & Sinking Fund: What Investors Must Know
How maintenance fees and sinking fund are calculated for Malaysian strata properties, typical rates by property type, and their real impact on rental cashflow.
Read articleStamp Duty on Tenancy Agreements in Malaysia (2026 Rates)
Tenancy agreement stamp duty rates in Malaysia, worked examples at 3 rent levels, who pays, penalties for unstamped agreements, and why landlords must care.
Read articleBuying Malaysia Property from Singapore (2026)
RM is weak, yields look high from SGD. But stamp duty, tax, and financing rules changed in 2026. Here is the real math for Singaporean buyers.
Read articleFreehold vs Leasehold Malaysia: Which Is Better to Invest?
Comparing freehold and leasehold property in Malaysia — legal differences, price gaps, bank valuations, lease extension costs, and cashflow implications.
Read articleHow to Calculate Rental Yield in Malaysia (With Formula)
Gross yield, net yield, and Rent Coverage Ratio formulas with worked examples for Malaysian property investors. Benchmark yields by area included.
Read articleSub-Sale Property Malaysia: Step-by-Step Buying Process
How to buy sub-sale (secondary market) property in Malaysia — 9-step process, timeline, costs, due diligence checklist, and differences from new launches.
Read articleTenancy Agreement Malaysia: Landlord's Complete Guide
Key clauses, stamp duty rates, security deposits, legal protections, and common mistakes in Malaysian tenancy agreements. Landlord-focused practical guide.
Read articleIslamic vs Conventional Financing: Which Costs Less?
Malaysia has 6 Islamic financing products for property. We compare total cost, monthly installment, and cashflow impact vs conventional side by side.
Read articleLegal Fees When Buying Property in Malaysia: Full Breakdown
Complete breakdown of lawyer fees for SPA, loan agreement, MOT, and disbursements when buying Malaysian property. Worked examples for RM500K to RM1.2M.
Read articleMusharakah Mutanaqisah: How Islamic Home Financing Works
Musharakah Mutanaqisah explained: how the diminishing partnership model works, calculation examples, bank rate comparisons, and why MM beats conventional loans.
Read articleOPR Malaysia: How Interest Rates Affect Your Mortgage
Bank Negara's OPR explained: how it links to mortgage rates, historical trends from 2019-2026, and what each rate change means for your property cashflow.
Read articleProperty Investment Malaysia: Beginner's Cashflow Guide
First-time property investor in Malaysia? Learn the cashflow-first approach, key metrics, common mistakes, and a step-by-step process with worked examples.
Read articleAirbnb License & Rules in Malaysia: State-by-State Guide (2026)
Airbnb regulations in Malaysia vary by state. Penang requires a license, KL has DBKL rules, Johor is unregulated. Full breakdown of rules, taxes, and risks.
Read articleAirbnb vs Long-Term Rental Malaysia: Which Yields More?
Comparing short-term Airbnb vs long-term rental yields, operating costs, risks, and regulations in Malaysia — with real net yield numbers on a RM500K condo.
Read articleAverage Rental Yield by State in Malaysia (2026 Data)
State-by-state rental yield data for Malaysia — condos and landed, KL to Sabah. Compare your property's yield to the state average before you buy.
Read articleBest Home Loan Malaysia 2026: 6 Banks Compared for Investors
We compare Maybank, CIMB, Public Bank, Hong Leong, RHB, and Bank Islam home loans across 8 factors. The best loan depends on whether you invest or occupy.
Read articleBudget 2026 Malaysia: Impact on Property Investors & Buyers
How Malaysia's Budget 2026 affects property — stamp duty, RPGT, first-time buyer incentives, foreigner rules. Worked examples on a RM500K purchase.
Read articleBuy House Procedure Malaysia: The Complete Checklist (2026)
Printable checklist for buying property in Malaysia — every document, cost, deadline, and step from pre-approval to key collection in one page.
Read articleCan Singaporeans Buy Property in Malaysia? Rules, Costs & Process (2026)
Yes, Singaporeans can buy Malaysian property. Here are the 2026 rules: minimum prices, 8% stamp duty, 30% rental tax, ABSD, financing, and a worked example.
Read articleCheras Property Investment 2026: KL's Most Underrated Rental Market
Cheras property investment analysis — MRT-connected condos, rental yields of 4.5-6%, tenant profiles, and worked cashflow near Taman Pertama MRT.
Read articleChinese Buy Property in Malaysia: Complete Guide for PRC Buyers
How Chinese nationals buy Malaysian property — capital controls, bank financing, state thresholds, RPGT, and popular areas. Practical steps, not theory.
Read articleCommercial vs Residential Property Investment Malaysia Compared
Commercial vs residential property investment in Malaysia — yield, financing, vacancy, tenant quality, and capital appreciation compared in one data table.
Read articleCan I Use CPF to Buy Malaysia Property? What Singaporeans Need to Know
No, CPF cannot be used for Malaysian property. Here is why, plus 5 practical funding alternatives Singaporeans actually use to buy across the Causeway.
Read articleCyberjaya Property Investment 2026: Data Center Boom & Yield Analysis
Cyberjaya property investment analysis — data center catalyst, condo prices, rental yields, and worked cashflow for tech-hub investors in 2026.
Read articleDocuments Needed to Buy a House in Malaysia: Complete Checklist
Every document you need at each stage of buying property in Malaysia — pre-purchase, SPA, loan application, and post-purchase. Includes self-employed extras.
Read articleE-Stamping Malaysia (2026): How to Stamp Documents Online via LHDN
Step-by-step guide to LHDN e-Duti Setem for property transactions — tenancy agreements, loan agreements, and MOT. Fees, portal walkthrough, and common errors.
Read articleExpat Buying Property in Malaysia: Guide for Working Professionals (2026)
Expats on Employment Pass are still foreigners for property. But 182-day tax residency changes the rental tax math. Full guide with worked example.
Read articleExpat Rent or Buy in Malaysia: The Break-Even Math
Should expats rent or buy property in Malaysia? Break-even analysis with RPGT impact, transaction costs, and worked examples at 2-10 year horizons.
Read articleFirst-Time Home Buyer Malaysia: The Complete 2026 Guide
Everything first-time Malaysian buyers need to know — stamp duty exemptions, EPF withdrawal, SRP 110% financing, loan margins, and a step-by-step process.
Read articleFixed vs Floating Rate Home Loan Malaysia: Which Saves You More
Compare fixed and floating rate home loans in Malaysia. OPR scenarios, monthly payment tables, Islamic equivalents, and when each option wins for investors.
Read articleCan Foreigners Buy Landed Property in Malaysia? Rules by State
Foreigners can buy landed property in Malaysia but face higher thresholds. State rules, strata vs landed comparison, and why condos often win.
Read articleForeigner Buying Malaysian Property Through a Company: Worth It?
Should foreigners buy Malaysian property via a Sdn Bhd? Compare tax rates, RPGT, compliance costs, and exit strategies for individual vs company ownership.
Read articleCan Foreigners Buy Property in Malaysia? Complete Guide
Minimum price thresholds by state, restrictions, MM2H advantages, state consent process, taxes, and financing — everything foreign buyers need to know.
Read articleCan Foreigners Buy Property in Malaysia Without MM2H?
Foreigners can buy Malaysian property without MM2H. Learn the actual requirements: state minimum prices, EPU consent, financing options, and restrictions.
Read articleCan Foreigners Buy Commercial Property in Malaysia? Rules, Taxes & Cashflow
Foreign buyers face different rules for commercial property in Malaysia. Lower thresholds, no state consent in some cases, higher yields. Full breakdown.
Read articleCan Foreigners Buy Landed Property in Malaysia? State-by-State Rules
Foreigners can buy landed property in Malaysia — terrace, semi-D, bungalow — but stricter rules apply. State rules, Malay Reserve checks, and due diligence.
Read articleMinimum Price for Foreigners to Buy Property in Malaysia (2026 State Guide)
State-by-state minimum property prices for foreigners in Malaysia. Zone variations, sub-RM1M options, loopholes, and budget strategies for 2026.
Read articleForeigner Home Loan Malaysia: Bank Comparison, Rates & Documents
Which Malaysian banks lend to foreigners, LTV limits, required documents, Islamic financing options, and a worked mortgage example for foreign buyers.
Read articleForeigner Rental Income Tax in Malaysia: Resident vs Non-Resident
How foreigners pay tax on Malaysian rental income — resident vs non-resident rates, allowable deductions, filing Form M, and double taxation agreements.
Read articleRPGT for Foreigners Selling Property in Malaysia (2026 Rates)
Foreigner RPGT rates, zero exemptions, 7% retention mechanism, worked examples, and strategies — everything non-citizens need to know before selling.
Read articleForeigner Stamp Duty in Malaysia: Rates, Extra Costs & Worked Examples
Stamp duty rates for foreigners buying Malaysian property — MOT calculations, extra levies, lost exemptions, and total acquisition cost breakdown for 2026.
Read articleCan HDB Owners Buy Property in Malaysia? What Singaporeans Need to Know
HDB ownership does not restrict overseas property purchases. But MOP, ABSD, and IRAS rules matter. Here is what HDB owners need to know before buying in Malaysia.
Read articleHome Loan Calculator Malaysia: What Investors Actually Need to Know
Monthly repayment tables for RM300K-RM1M loans, DSR rules, flexi vs term loans, and why cashflow matters more than total interest for property investors.
Read articleDSR Calculation Malaysia: Home Loan Eligibility Explained
How Malaysian banks calculate your Debt Service Ratio, what counts as debt, income adjustments, and maximum property price tables by salary level.
Read articleHome Loan for Self-Employed in Malaysia: Approval Guide
How self-employed Malaysians get home loan approval. Income calculation, required documents, bank preferences, margin expectations, and approval strategies.
Read articleHome Loan Interest Rate Malaysia 2026: Every Major Bank Compared
Current Malaysian home loan rates from 4.47% to 4.60%. Bank-by-bank comparison, OPR impact calculations, and what rate changes mean for your cashflow.
Read articleHong Kong Buyers: Complete Guide to Buying Property in Malaysia
HK buyers guide to Malaysian property — price comparison, HSBC banking advantage, remittance, tax treatment, RPGT, and popular areas for Hong Kong investors.
Read articleHow Many Properties Can You Own in Malaysia? Limits & Strategy
No legal limit on property ownership in Malaysia — but financing caps at 70% LTV from property 3 onward. Practical limits, scaling strategies, portfolio tips.
Read articleHow Much Salary to Buy a House in Malaysia: DSR-Based Tables
Salary-to-property-price tables for Malaysia. See max home price by income level, how debts reduce capacity, and joint income calculations.
Read articleHow to Buy a House in Malaysia: 12-Step Guide (2026)
Complete step-by-step process to buy a house in Malaysia — from DSR check to key collection. Timeline, costs, documents, and common mistakes.
Read articleHow to Calculate RPGT in Malaysia: Step-by-Step with 3 Worked Examples
Step-by-step RPGT calculation for Malaysian citizens, foreigners, and companies — formula, allowable deductions, rate tables, and 3 real-world examples.
Read articleHow to Increase Rental Yield in Malaysia: Practical Strategies
Increase rental yield on Malaysian property. Furnishing adds 20-40% rent, minor renovations pay back in 2 years. Worked examples on a RM400K condo.
Read articleIndian Buyers: Complete Guide to Buying Property in Malaysia (2026)
Indian nationals buying Malaysian property — FEMA/LRS limits, DTAA tax treatment, NRI rules, popular areas, and worked example with actual numbers.
Read articleIndonesian Buyers: Complete Guide to Buying Property in Malaysia
Indonesian guide to Malaysian property — ownership comparison, remittance from Indonesia, DTA tax treatment, RPGT, financing routes, and popular areas.
Read articleIpoh Property Investment Guide 2026: Malaysia's Hidden Yield Play
Ipoh property investment analysis — prices 40-60% below KL, 5-7% yields achievable, tourism boom, ECRL factor, and worked cashflow for 2026 investors.
Read articleIskandar Malaysia Property Investment: Zone-by-Zone 2026 Analysis
Iskandar Malaysia property breakdown by flagship zone — what failed, what works, RTS Link impact, and cashflow data for Singapore and local investors.
Read articleJoint Home Loan Malaysia: Combined Income, Risks, and Ownership
How joint home loans work in Malaysia. Combined DSR calculations, co-borrower eligibility, ownership structures, divorce scenarios, and Islamic options.
Read articleKL Property Investment Guide 2026: Sub-Area Breakdown & Cashflow Data
KL property investment analysis by sub-area — KLCC to Cheras. Median prices, yields, MRT connectivity, and worked cashflow examples for 2026 investors.
Read articleProperty Lawyer Fees Malaysia (2026): Regulated Rates & Worked Examples
Lawyer fees for Malaysian property transactions are fixed by law. Full fee scale, disbursements breakdown, and worked examples for RM500K-RM1M properties.
Read articleBuying Lelong Property in Malaysia: Process & Cashflow
How bank auction (lelong) properties work in Malaysia — the bidding process, hidden risks, maintenance arrears, and why below-market prices boost cashflow.
Read articleLoan Margin (LTV) for Malaysian Property: BNM Rules and Cash Needed
BNM loan margin rules for 1st, 2nd, 3rd+ property in Malaysia. Cash required tables, strategies for higher margin, DIBS schemes, and investor considerations.
Read articleMinimum Price for Foreign Property Buyers in Malaysia — Every State (2026)
Complete 2026 reference table of minimum property prices for foreigners in every Malaysian state. Strata, landed, consent fees, and historical changes.
Read articleMM2H Property Investment Guide: Is the Visa Worth It for Buyers?
MM2H as a property investment tool — requirements, costs, state threshold benefits, tax residency rules, and the math on whether it pays for itself.
Read articleMont Kiara Property Investment 2026: The Expat Hub Premium
Mont Kiara property investment analysis — expat tenant dynamics, condo yields, furnished vs unfurnished strategy, and top developments for 2026.
Read articleOverhang Property Malaysia: Risk or Opportunity for Investors?
Malaysia has 30,000+ unsold completed units worth RM20B+. Developers offer 15-30% discounts. How to find good overhang buys and avoid the traps.
Read articlePassive Income from Rental Property Malaysia: The Real Numbers
How much property you need for RM5,000/mo passive income in Malaysia. Portfolio scenarios, timelines, and why rental income is semi-passive at best.
Read articlePenang Property Investment Guide 2026: Island vs Mainland Data
Penang property investment breakdown — island vs mainland prices, yields, foreigner limits, and Penang Transport Master Plan impact for 2026 investors.
Read articleProperty Agent Commission Malaysia: Rates, Rules, and When to Skip
How much property agents charge in Malaysia, who pays, negotiation tactics, REN vs REA differences, and when you don't need an agent at all.
Read articleProperty Defect Inspection Malaysia: Your Rights During the DLP
How to inspect for defects, file reports with your developer, and enforce your rights during the 24-month Defect Liability Period in Malaysia.
Read articleProperty Flipping vs Rental Income Malaysia: Which Strategy Wins?
Flipping vs renting property in Malaysia — RPGT eats 30% of flip profits in year 1-3. Rental income, BRRRR strategy, and when each approach works.
Read articleProperty Insurance Malaysia: Fire, MRTA & Homeowner Coverage Compared
Fire insurance vs MRTA vs homeowner comprehensive for Malaysian property. What is mandatory, what is optional, costs compared for RM500K property.
Read articleProperty Management Companies in Malaysia: Full Guide & Costs
Property management in Malaysia costs 8-12% of rent. When to hire, what they do, top companies by region, and DIY vs managed cost comparison.
Read articleMalaysia Property Market Outlook 2026: Data & Hotspots
Malaysia property market trends for 2026 — state-by-state rental yield data, NAPIC overhang numbers, infrastructure catalysts, and investor cashflow hotspots.
Read articleProperty Scams in Malaysia: Red Flags and How to Protect Yourself
Common property scams in Malaysia — phantom developers, fake rental guarantees, unlicensed agents — and how to verify before you pay a single ringgit.
Read articleProperty Tax Malaysia: Stamp Duty, RPGT, Quit Rent & Assessment Rate Explained
Complete guide to all 4 property taxes in Malaysia — stamp duty, RPGT, quit rent (cukai tanah), and assessment rate (cukai taksiran) — with worked examples.
Read articleProperty Valuation Malaysia: How It Works and Why It Matters
How bank valuations work in Malaysia, what causes valuation shortfalls, how to check market value, and strategies when valuation is below SPA price.
Read articleQuit Rent & Assessment Rate Malaysia: What Property Owners Pay
Quit rent (cukai tanah) and assessment rate (cukai taksiran) explained — rates by state, worked examples, payment methods, and what happens if you don't pay.
Read articleReal Cost of Buying Property in Malaysia: Full Breakdown
Every cost to buy property in Malaysia — downpayment, stamp duty, legal fees, insurance. Worked tables for RM500K, RM800K, and RM1M properties.
Read articleRefinance Home Loan Malaysia: When It Pays Off (And When It Doesn't)
Step-by-step guide to refinancing your Malaysian home loan — break-even formula, cash-out strategy, cost breakdown, and a worked example saving RM94K.
Read articleREIT Malaysia: The Complete Guide for Property Investors
All Malaysian REITs compared — yields, Islamic options, tax treatment, and when REITs beat physical property. Data-driven guide for property investors.
Read articleRemote Landlord Malaysia: Foreign Property Management Guide
How to manage Malaysian rental property from abroad — property managers, banking, tax filing, maintenance, and the cashflow test every remote landlord must run.
Read articleRenovation Loan Malaysia: Standalone vs Mortgage Top-Up Compared
Compare standalone renovation loans vs mortgage top-ups in Malaysia. Rates, max amounts, eligible works, bank options, and ROI calculation on rental property.
Read articleRent or Buy House in Malaysia: The Math That Decides
Rent vs buy analysis for Malaysia with break-even formula, worked examples at RM500K-RM1M, hidden costs both sides miss, and the 10-year comparison.
Read articleRent vs Mortgage in Malaysia by State (2026)
We analyzed condos across 14 Malaysian states. Here is exactly where rent covers your financing installment and where it does not.
Read articleRental Deposit Refund Malaysia: Your Rights & The Law
When must a landlord refund the rental deposit in Malaysia? No Tenancy Act exists. Here's what the law says, deduction rules, and how to dispute.
Read articleEvery RPGT Exemption in Malaysia (2026): Complete Guide
All RPGT exemptions for Malaysian citizens, PRs, companies, and foreigners — once-in-lifetime, 10% automatic, spousal transfers, and more.
Read articleRPGT on Inherited Property Malaysia: Rules, Exemptions & Worked Examples
How RPGT applies to inherited property in Malaysia — acquisition price, holding period, Grant of Probate, and stamp duty exemptions for beneficiaries.
Read articleSingapore PR Buying Property in Malaysia: Rules & Costs (2026)
Singapore PR status is irrelevant in Malaysia. You are treated based on citizenship. Here are the 2026 rules, ABSD costs, and worked examples for SG PRs.
Read articleSPA Agreement Malaysia: What Every Buyer Must Know (2026)
Complete guide to Sale and Purchase Agreements in Malaysia — key clauses, timeline, stamp duty, penalties, and differences between new launch and subsale.
Read articleStamp Duty & Legal Fees Calculator Malaysia: Total Entry Cost Breakdown
Combined stamp duty and legal fees reference for Malaysian property — worked examples from RM300K to RM2M with total entry cost as percentage of price.
Read articleStamp Duty on Loan Agreement Malaysia: Rates, Exemptions & Examples
Loan agreement stamp duty in Malaysia is 0.5% of your loan amount. Worked examples, Islamic financing treatment, first-timer exemptions, and payment deadlines.
Read articleStrata Title Malaysia Explained: What Condo and Apartment Buyers Must Know
What strata title means for condo, apartment, and serviced residence owners in Malaysia — issuance timeline, risks, and what to check before buying subsale.
Read articleTax Deductions for Rental Property Malaysia: Complete List
Every expense you can deduct from Malaysian rental income — loan interest, maintenance, insurance, depreciation. Worked example reducing taxable income by 50%.
Read articleTenant Screening Malaysia: The Landlord's Complete Guide
How to screen tenants in Malaysia without credit checks. Verification methods, red flags, deposit structure, and what to do when tenants default.
Read articleUndervalued Property Areas in Malaysia 2026: Data-Driven Picks
Data-driven analysis of undervalued Malaysian property areas in 2026 — yield above state average, upcoming infrastructure, and population growth catalysts.
Read articleCondo vs Apartment vs Flat in Malaysia: Key Differences
Legal and practical differences between condominiums, apartments, service residences, and flats in Malaysia — and which property type is best for investment.
Read articleHow to Calculate Rental Cashflow in 10 Minutes
A step-by-step framework to calculate net monthly cashflow on any Malaysian property in 10 minutes. Includes Islamic and conventional financing.
Read articleRental Income Tax Malaysia: How to Declare & Deductions
How rental income is taxed in Malaysia — progressive rates for residents, 30% flat for non-residents, allowable deductions, and the LHDN filing process.
Read articleRPGT Malaysia (2026): Rates, Exemptions & Calculator
Real Property Gains Tax rates for Malaysian citizens, PRs, companies, and foreigners in 2026 — with exemptions, worked examples, and a free calculator.
Read articleStamp Duty Malaysia (2026): Rates, Exemptions & Calculator
Current 2026 stamp duty rates for Malaysian property purchases — MOT and loan agreement — with worked examples, buyer exemptions, and a free calculator.
Read articleGross Yield vs Net Cashflow: Why Most Deals Fail
Property agents quote 5-8% gross yield. After real costs, most Malaysian condos deliver 2-3% net. Here is why and what number you should use instead.
Read article5 Signs a Malaysian Property Will Be Cashflow-Positive
Learn the key indicators that separate money-making rental properties from money pits in the Malaysian market. Data-driven criteria for evaluating cashflow potential.
Read articleMalaysia Rental Property Costs (2026): Full Net Cashflow Breakdown
Most investors only calculate gross yield. We break down all 12 hidden costs that determine whether your Malaysian property actually makes money each month.
Read articleReady to find cashflow-positive properties?
The only data-driven directory of cashflow-positive properties in Malaysia — with side-by-side conventional and Islamic financing analysis for every listing.
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