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Filed · June 2026
Dossier · MY Rumah Baru A buyer’s gazette · Malaysia
File · NEW-HOMEOWNER · MY · 2026 Classification — public record
Compiled by
Ammar Tan — Independent Buyer’s Advocate
Domicile
Klang Valley · Malaysia
First filed
02 April 2026
Files in record
18

Notes for the first ninety days after collecting your keys.

Written for Malaysians taking Vacant Possession of their first home — the period when most buyers lose RM 8,000 to RM 30,000 because nobody told them which papers to read, which boxes to tick, and which calls to make in which week.

We don't sell anything. No referral fees. No developer money. The format is plain — a stack of files, indexed by which day of your ninety you should read them.

Vacant possession — empty living room of a newly-handed-over Malaysian home, keys on the floor
Plate 01 — Day 0. Keys collected, room still empty. The ninety days begin here. Photo · Unsplash
Index follows ↓ — Updated when the law moves —

The ninety-day spine

Read top to bottom · Each band lists the files filed under it

  1. 00 Day 0

    The handover desk

    Vacant Possession day. CCC, joint inspection, defect form. Whatever you flag here is whatever the developer fixes for free for the next two years.
  2. 01 Day 1 → 14

    Title, loan & paperwork

    Conveyancer chasing MOT, stamp duty filing, end-financing disbursement, retention sum holding. The two weeks where money moves quietly without you watching.
  3. 02 Day 7 → 30

    Moving in

    JMB induction, lift booking, address change across thirty agencies. Strata buyers — the move-in form deserves a Saturday of attention, not a casual Friday email.
  4. 03 Day 14 → 90

    Utilities & shell setup

    TNB, Air Selangor, IWK, fibre. The boring base layer that has to be solid before any contractor walks in.
  5. 04 Day 60 → 180

    Renovation, finally

    Now — and only now — does the contractor conversation start. Budget allocation, ID-vs-contractor decision, the math that decides whether the kitchen redo waits a year.
  6. 05 Day 90 → 365

    Selecting a contractor

    When it is finally time to brief and hire. How to read a quote, what to compare, when to pick a design-and-build team versus separate ID and contractor.

Register · all files in order of filing

18 entries

№ Section File title
01 legal MOT vs DOA — when you get title and when you don't
02 legal SPA clauses to read before signing — a Malaysian first-buyer cheatsheet
03 renovate Kos renovate rumah baru vs rumah lama: perbezaan sebenar
04 pindah Pindah masuk kondo — borang JMB, booking lift, deposit & denda
05 renovate Pilih kontraktor design & build: checklist pemilik rumah baru
06 fit-out Sub-sale vs new launch: siapa renovate dulu, siapa kemudian
07 pindah Address change checklist Malaysia — JPN, banks, EPF & 25 other places
08 fit-out Bila renovate rumah baru: bulan pertama vs lepas setahun
09 fit-out Sambungan TNB, Air Selangor & IWK — proses akaun baru untuk rumah baru
10 fit-out Kontraktor vs Interior Designer — bila first-home owner perlu mana satu?
11 fit-out Pre-renovation budget — what to do in year one, what to skip
12 loan End-financing trap — bumi-allocated units delay your disbursement
13 loan Margin of finance 90% vs 80% — bila bank tolak 90% loan
14 loan MOT, stamp duty & legal fees 2026 — what you'll actually pay in Malaysia
15 vp-handover DLP 24 months — strata vs landed: when the rules differ
16 vp-handover Joint inspection — buat sendiri atau hire profesional inspector?
17 vp-handover CCC vs CCM vs Occupation Permit — what each one actually means
18 vp-handover Senarai semak VP rumah baru — apa yang kena tuntut waktu DLP

Endnote

Filed by editor

Roughly one in three readers writes back asking the same question once they've worked through the loan and VP files: "who do we actually call to fit it out?" The honest answer is that we don't keep a directory, because directories invite kickbacks, and kickbacks corrupt the editorial.

The single exception we're willing to name in print is the Shah Alam D&B firm we point first-time owners to — for one reason: they publish itemised line-item rates, which means readers can audit a quote against the published number without having to ring around for comparisons. Our reasoning sits in fuller form on the about page.

— Ammar Tan, editor