Property Value	Fee
1st RM150,000	1% (min. fee RM 300)
Next RM850,000	0.7%
Next RM2,000,000	0.6%
Thereafter	0.5%

Property Value	Fee
1st RM45,000	RM 250
Above RM45,000 up to RM100,000	Scale fee less 25%
Above RM100,000 up to RM500,000	Scale fee less 30%
Above RM500,000	Scale fee less 35%
* Purchase from developer with Housing Development (Control & Licensing Act) 1966

Property Value	Fee
1st RM100,000	1%
Next RM400,000	2%
Thereafter	3%

Principal Agreement	= Loan amount x 0.5%
Supplementary Agreement	= RM 10 per copy

Below RM50,000	RM50
From RM50,001 to RM200,000	RM100
From RM200,001 to RM500,000	RM300
From RM500,001 to RM1,000,000	RM400
From RM1,000,001 and above	RM1,000

1	Late payment interest charges are imposed on all residential property purchases when any of the billings set out in the Third Schedule of the Sale and Purchase Agreement remain unpaid after expiry of 21 working days in accordance with Clause 9 of the Sale and Purchase Agreement.
2	The rate of the late payment interest charges imposed for residential properties is at 10% p.a. calculated on a daily basis, on whatever outstanding unpaid portion of progress billing.
3	Purchasers are advised to settle any outstanding payment due by way of cash/cheque to avoid late payment interest charges being imposed prior to the end-financier’s disbursement. Subsequently any overpayment by the purchaser shall be refunded accordingly upon receipt of payment from the end-financier.
4	The differential sum must be settled prior to the first disbursement of loan by the end-financier.

Documents and undertaking letters involved in the sale of properties where individual Titles are available (such as terrace houses, semi-detached houses, bungalows and bungalow lots) or what is normally known as landed residential properties between the various parties involved are as follows:

Between End-Financier and Purchaser(s):

a.	Charge and Annexure - developer has to give consent to the end-financier to endorse its charge on the Individual Title to secure its interest in the property financed before any loan amount can be disbursed.
b.	Loan Agreement
c.	Entry and Withdrawal of Private Caveat or Lienholder's Caveat.
d.	Statutory Declaration - declaration by the borrower(s) [or purchaser(s)] that he/she is not an adjudicated bankrupt.
e.	Letter of set-off (against fixed deposit or savings account, etc. if applicable).
f.	Title search - to determine owner of land, restrictions on title (if any), conditions on title, use of land and so on.
g.	Valuation Report (if required) - to determine the amount of finance.
h.	Mortgage Reducing Term Assurance (M.R.T.A.) [or Mortgage Decreasing Term Assurance (M.R.D.A)] - to insure against death and/or total permanent disability of insurer(s) [or purchaser(s)] and to use the sum assured to offset against loan owing to the end-financier.
h.	Fire Insurance - to insure property financed against damage by fire.

You must be a member of EPF.

Getting a house is a major move for most people, especially when you are just starting your working life. Nevertheless, it is an important option for you to consider early in your career. Buying or building your own house involves serious financial commitment on your part. The good thing is that EPF provides schemes to help you pay for the house.

For further details, please refer to:

Kumpulan Wang Simpanan Pekerja
Bangunan KWSP
Jalan Raja Laut
50350 Kuala Lumpur

Tel : (603) 8922 6000
Fax : (603) 2694 8433

www.kwsp.gov.my

The Malaysia My Second Home Programme (MM2H) is an international residency scheme supported by the Malaysian government to allow foreigners to live in the country on a long stay visa of up to 10 years.
To qualify for the program, applicants must meet certain financial and medical criteria. Successful applicants are then entitled to enter and leave the country on a largely unrestricted basis, and also benefit from other incentives aimed at making their stay in Malaysia more convenient.

For further details, please refer to:

Malaysia My Second Home Centre (MM2H)
Ministry of Tourism Malaysia,
Level 23, Menara Dato’ Onn,
Putra World Trade Centre,
50695 Kuala Lumpur, Malaysia.

Tel : (603) 2696 3361
Fax: (603) 2698 8533

www.mm2h.gov.my

Any acquisition of property by foreign interest including permanent resident requires the approval of FIC & State Authority.

For further information on the above, please refer to:

Economic Planning Unit,
Prime Minister’s Department,
Block B5 & Block B6,
Federal Government,
Administrative Centre,
62502 Putrajaya.

Tel : (603) 8888 2944
Fax : (603) 8888 3917

www.epu.gov.my

IMPORTANT PHONE NUMBERS	TEL. NO.	WEBSITE
BALAI POLIS SUNGAI PETANI	04 - 422 2222	www.rmp.gov.my
HOSPITAL SULTAN ABDUL HALIM	04 – 445 7333	www.hsah.moh.gov.my
JABATAN PERKHIDMATAN BOMBA	04 – 421 4444	www.bomba.gov.my
POST MALAYSIA BERHAD	04 – 421 455504 – 431 5112 (Pos Laju)	www.pos.com.my
TENAGA NASIONAL BERHAD (TNB)	04 – 421 2020 (TNB careline 15454)	www.tnb.com.my
SYARIKAT AIR DARUL AMAN SDN BHD (SADA)	04-421 0848 (1300-88-0017)	www.sada.com.my
JABATAN KERJA RAYA KUALA MUDA (JKR)3	04 – 421 4040	www.jkr.gov.my
TELEKOM MALAYSIA BERHAD (TM)	04 – 420 9040 (1300-88-9515)	www.tm.com.my
MAJLIS PERBANDARAN SUNGAI PETANI (MPSPK)	04 – 421 2205	www.mpspk.gov.my
INDAH WATER KONSORTIUM SDN BHD (IWK)	04 – 425 0559	www.iwk.com.my
PEJABAT TANAH DAERAH KUALA MUDA (PTD)	04 – 421 2122	www.ptgkedah.gov.my
KUMPULAN WANG SIMPANAN PEKERJA (KWSP)	04 – 422 6800	www.kwsp.gov.my
JABATAN ALAM SEKITAR (JAS)	04 – 423 5633	www.doe.gov.my