Panduan
23 artikel · 10 topik
Panduan kewangan Malaysia
Panduan bersumber untuk keputusan wang di Malaysia. Dikemas kini bila peraturan berubah.
Terbaru
Panduan Lengkap Duti Setem Malaysia 2026: Kadar, Pengecualian & Kalkulator
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.
DSR Explained: How Malaysian Banks Actually Decide Your Housing Loan
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 vs MLTA: Which Mortgage Insurance Should You Take?
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.
Complete Stamp Duty Guide Malaysia 2026: Rates, Exemptions & Calculator
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.
How Much Salary Do You Need for a RM500k House in Malaysia?
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.