Question 1

What is the typical property purchase process?

Accepted Answer

Typically:
    1.	Property selection
    2.	Booking & initial payment
    3.	Loan application & approval
    4.	Signing of SPA and loan agreement
    5.	Completion of payment
    6.	Property handover / vacant possession

Question 2

What types of property are available?

Accepted Answer

Property is generally categorized into:
	•	Residential – Houses, condos, apartments, serviced residences
	•	Commercial – Shop lots, offices, retail units
	•	Industrial – Factories, warehouses, industrial lots
	•	Land – Residential, commercial, agricultural, or industrial land
	•	Mixed-use – Developments combining residential, commercial, and retail
	•	Strata property – Shared ownership units with common facilities
	•	Non-strata property – Standalone properties with full land ownership

Question 3

What is a freehold vs leasehold property?

Accepted Answer

•	Freehold: You own the property indefinitely.
•	Leasehold: Ownership is for a fixed period (commonly 30–99 years), after which it returns to the state or original owner unless renewed.

Question 4

What is the difference between new property and subsale?

Accepted Answer

•	New property: Bought directly from developer (under construction or newly completed).
•	Subsale: Property is bought from a current owner (second-hand market).

Question 5

What costs are involved when buying a property?

Accepted Answer

Common costs include:
	•	Down payment
	•	Legal fees (SPA & loan agreement)
	•	Stamp duty
	•	Valuation fee
	•	Loan processing fees
	•	Maintenance fees (for strata properties)

Question 6

How much down payment is required?

Accepted Answer

10% of the property price (can vary depending on financing eligibility and promotions)

Question 7

Can I buy a property with a low income?

Accepted Answer

Yes, but loan approval depends on:
	•	Income stability
	•	Existing debts (commitments)
	•	Credit score (CTOS/CCRIS)

Question 8

Can foreigners buy property?

Accepted Answer

Yes, but subject to restrictions such as minimum price thresholds and state-specific rules.

Question 9

How do I choose a good property location?

Accepted Answer

Consider:
	•	Accessibility (highways, public transport)
	•	Nearby amenities (schools, hospitals, malls)
	•	Future development plans
	•	Demand & rental potential

Question 10

What is a booking fee and is it refundable?

Accepted Answer

A booking fee is a small initial payment to reserve a unit. Its refundability depends on the developer’s terms and conditions. In most cases, it will be converted into part of the down payment upon signing the Sale and Purchase Agreement (SPA).

Question 11

How does the car buying process work?

Accepted Answer

Typically:
	1.	Choose a car
	2.	Submit documents
	3.	Loan application & approval
	4.	Sign agreement
	5.	Car registration & delivery
	6.	Handover & after-sales support

Question 12

What types of cars are available?

Accepted Answer

•  New cars (all brand)
•	Reconditioned (recond) cars
•	Used cars 
•	Trade-in options available

Question 13

How do I know which car is suitable for me?

Accepted Answer

It depends on:
	•	Budget
	•	Monthly affordability
	•	Usage (daily use, family, business)
	•	Preferences (brand, size, fuel type)

👉 A consultation can help narrow down the best option.

Question 14

What documents are required to buy a car?

Accepted Answer

•	Copy of IC / passport
•	Driving license
•	Latest 3/6 months salary slips
•	Bank statements
•	EPF statement (if applicable)

Question 15

How long does loan approval take?

Accepted Answer

Usually 1–3 working days, depending on the bank and documents provided.

Question 16

How much down payment is required?

Accepted Answer

•	Commonly 0%–10% of the car price
•	May vary depending on eligibility and promotion

Question 17

Can I get a loan without a fixed salary?

Accepted Answer

Yes, subject to bank evaluation. Alternatives like:
	•	Bank statements
	•	Business income proof
may be considered.

Question 18

Can I trade in my current car?

Accepted Answer

Yes. Trade-in value depends on:
	•	Car condition
	•	Year & mileage
	•	Market demand

Question 19

How long until I receive my car?

Accepted Answer

After approval and registration, delivery usually takes 1–7 days, depending on stock and documentation.

Question 20

What support is provided after purchase?

Accepted Answer

•	Assistance with documentation
	•	Guidance & reminders on servicing
	•	Guidance & reminders on insurance renewal
	•	Accident claims assistance
	•	Help with ownership-related questions (road tax, transfer, etc.)
	•	Support for upgrades or future purchases
	•	Trade-in evaluation when you’re ready to change car
	•	Guidance on loan settlement / early settlement
	•	General advice on maintenance and ownership best practices
	•	Ongoing consultation whenever needed

We stay connected even after delivery to ensure your ownership experience is smooth and hassle-free.

Aidil Idham Shaari

Property & Automotive Consultant in Johor | Delivering end-to-end solutions from selection, financing to completion, handover & after-sales support.

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