Knowledge · Articles
Practical, source-cited guides for smarter money decisions in Malaysia. Updated as rules change.
Semua yang anda perlu tahu tentang duti setem di Malaysia 2026 — kadar MOT, duti setem perjanjian pinjaman, pengecualian pembeli kali pertama, dan contoh kiraan penuh untuk hartanah RM500k.
Belanjawan perkahwinan Malaysia 500 tetamu yang praktikal dengan katering, tempat, caj vendor, Cukai Perkhidmatan F&B 6%, kos tambahan berasingan, dan peruntukan lebihan yang realistik.
Nisbah Khidmat Hutang ialah satu angka yang menentukan sama ada pinjaman perumahan anda diluluskan. Berikut formula yang digunakan bank, had 60-70% yang dianggap siling oleh kebanyakan bank, dan contoh kiraan untuk pendapatan RM8,000 dengan hutang sedia ada.
Jika pinjaman kereta anda ditandatangani sebelum 1 Jun 2026, Rule of 78 masih mengira rebat penyelesaian awal anda — dan ia membebankan wang anda. Berikut formula, apa yang anda sebenarnya dapat balik berbanding garis lurus, dan contoh kiraan RM60,000.
Settling a personal loan early? What you actually save depends on how your lender calculates interest, and the rules change on 1 January 2027. Here is what to check.
Semak nisab, had kifayah dan contoh pengiraan zakat pendapatan Selangor. Gunakan kalkulator untuk mendapatkan anggaran sebelum membayar kepada LZS.
A 2.5% flat-rate car loan actually costs ~4.9% effective. Here's the formula, the IRR-based approximation, and why the same headline rate means very different things on different loan products.
A practical 500-pax Malaysian wedding budget with catering, venue, vendor charges, 6% F&B Service Tax, separate add-on costs, and a realistic contingency buffer.
ASB pays Bumiputera 5.75 sen/unit. ASW doesn't exist anymore — it's ASM 2 Wawasan. ASN Equity returns 23-33%. Here's how the ASNB fixed-price and variable-price funds compare in 2026, with a 20-year compound projection.
Debt Service Ratio is the single number that decides whether your housing loan gets approved. Here's the formula banks use, the 60-70% threshold most banks treat as the ceiling, and a worked example for an RM8,000 income earner with existing debt.
How much you pay, how much your employer pays, and how to push more in voluntarily — the complete 2026 picture for EPF (KWSP) contributions, including the new i-Saraan Plus for gig workers.
From 1 June 2026, the Hire-Purchase (Amendment) Act 2026 abolishes the Rule of 78 and flat-rate interest for new car loans. Here's what changes, what stays, and how to compare offers under the new reducing-balance method.
EPF, SOCSO, EIS, PCB — five letters that quietly eat 20% of your gross salary every month. Here's what each one does, the exact rates in 2026, and a worked example for an RM5,000 monthly salary.
MRTA is cheaper. MLTA pays your family. Both are mortgage insurance. Here's the difference, the takaful equivalents (MRTT/MLTT), and a worked example for an RM500,000 loan at age 35.
Nisab is the threshold above which zakat becomes obligatory. It changes every year with the gold price and varies between Malaysian states. Here's the 2026 nisab, why states differ, and how to calculate your zakat on savings.
Nisab ialah had ambang kekayaan yang mewajibkan zakat. Ia berubah setiap tahun mengikut harga emas dan berbeza antara negeri. Berikut nisab 2026, sebab perbezaan antara negeri, dan cara mengira zakat wang simpanan.
Dari diskaun penyelesaian 10-20% kepada pengecualian baharu untuk graduan B40 berkelulusan kelas pertama dan sekatan perjalanan ke luar negara untuk peminjam ingkar — semua pilihan bayaran balik PTPTN 2026, dijelaskan dengan contoh kerja RM45,000.
From the 10-20% settlement discount to the new B40 / First-Class free conversion and the reinstated overseas travel ban for defaulters — every Malaysian PTPTN repayment option in 2026, explained with a worked RM45,000 example.
If your car loan was signed before 1 June 2026, Rule of 78 is still calculating your early-settlement rebate — and it's costing you money. Here's the formula, what you actually get back vs straight-line, and a worked RM60,000 example.
Lifestyle, parents' medical, PRS, SSPN, EV charging — five reliefs that quietly cut RM4,000+ off your YA 2025 tax bill, with a worked RM80,000 chargeable-income example.
A complete guide to using EPF Account 2 withdrawal for house downpayment in Malaysia — eligibility, how much you can take out, the application process, and the retirement trade-off.
Find out the exact salary required to afford a RM500,000 home loan in Malaysia, including DSR calculations, EPF deductions, and practical tips for 2026.
Everything you need to know about stamp duty in Malaysia 2026 — MOT rates, loan agreement stamp duty, first-time buyer exemptions, and a full worked example for a RM500k property.
