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.
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.
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.
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.
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.
