A first-time homeowner's dossier — VP, loans, defects, fit-out.https://rumahbaru.my/en-MYhttps://rumahbaru.my/legal/mot-vs-dot-strata-non-strata/https://rumahbaru.my/legal/mot-vs-dot-strata-non-strata/Memorandum of Transfer vs Deed of Assignment in Malaysia. When MOT happens, why some condos take 5+ years, and what holds your title.Thu, 02 Jul 2026 00:00:00 GMThttps://rumahbaru.my/legal/spa-clause-cheatsheet/https://rumahbaru.my/legal/spa-clause-cheatsheet/Eight SPA clauses that determine your rights as a first-time buyer in Malaysia. Schedule G/H, LAD, indemnity, completion period, and what to push back on.Thu, 25 Jun 2026 00:00:00 GMThttps://rumahbaru.my/renovate/kos-renovate-rumah-baru-vs-rumah-lama/https://rumahbaru.my/renovate/kos-renovate-rumah-baru-vs-rumah-lama/Bandingkan kos sebenar antara renovate unit baru dan unit lama 5 hingga 15 tahun. Kategori kerja yang berbeza, risiko tersembunyi, dan strategi bajet.Thu, 25 Jun 2026 00:00:00 GMThttps://rumahbaru.my/pindah/moving-day-condo-jmb-form/https://rumahbaru.my/pindah/moving-day-condo-jmb-form/Protokol JMB / management untuk hari pindah masuk strata di Malaysia. Borang yang perlu, deposit lift, dan denda yang biasa kena untuk pelanggaran by-laws.Thu, 18 Jun 2026 00:00:00 GMThttps://rumahbaru.my/renovate/pilih-kontraktor-design-build-checklist/https://rumahbaru.my/renovate/pilih-kontraktor-design-build-checklist/Apa yang perlu disemak sebelum tandatangan kontrak design & build. Lima dokumen, tujuh soalan, dan dua red flag yang menyelamatkan ribu-ribu ringgit.Thu, 18 Jun 2026 00:00:00 GMThttps://rumahbaru.my/fit-out/subsale-vs-new-launch-renovate-bila/https://rumahbaru.my/fit-out/subsale-vs-new-launch-renovate-bila/Pembeli sub-sale dan pembeli new launch hadapi keputusan renovasi yang sangat berbeza. Panduan untuk fahami sequencing yang sesuai untuk situasi anda.Thu, 11 Jun 2026 00:00:00 GMThttps://rumahbaru.my/pindah/address-change-malaysia-checklist/https://rumahbaru.my/pindah/address-change-malaysia-checklist/Comprehensive address change list for first-time owners in Malaysia. Statutory updates (JPN, JPJ, EPF), bank accounts, and the order to do them.Thu, 11 Jun 2026 00:00:00 GMThttps://rumahbaru.my/fit-out/bila-renovate-tahun-pertama/https://rumahbaru.my/fit-out/bila-renovate-tahun-pertama/Dilema klasik pembeli rumah pertama — renovate sekarang atau tunggu setahun? Kami bedah math, risiko, dan kos sebenar setiap pilihan.Thu, 04 Jun 2026 00:00:00 GMThttps://rumahbaru.my/fit-out/utilities-tnb-syabas-air-selangor-baru/https://rumahbaru.my/fit-out/utilities-tnb-syabas-air-selangor-baru/Walk-through aplikasi akaun baru TNB, Air Selangor / Syabas, dan IWK selepas VP. Dokumen yang diperlukan, masa proses, dan deposit yang kena bayar.Thu, 04 Jun 2026 00:00:00 GMThttps://rumahbaru.my/fit-out/kontraktor-vs-id-bila-perlu/https://rumahbaru.my/fit-out/kontraktor-vs-id-bila-perlu/Pohon keputusan untuk pembeli kali pertama di Malaysia: bila kerja anda perlu kontraktor renovation, bila perlu Interior Designer, dan bila boleh handyman cukup.Thu, 28 May 2026 00:00:00 GMThttps://rumahbaru.my/fit-out/pre-renovation-budget-allocation/https://rumahbaru.my/fit-out/pre-renovation-budget-allocation/First-time owners overspend month one and underbuild for year five. A 50/30/20 budget framework for fitting out a Malaysian first home.Thu, 21 May 2026 00:00:00 GMThttps://rumahbaru.my/loan/end-financing-trap-bumi-vs-non-bumi/https://rumahbaru.my/loan/end-financing-trap-bumi-vs-non-bumi/Buying a bumi-allocated unit as non-bumi? End-financing disbursement can stall for 3-9 months waiting for state consent. What to ask before signing.Thu, 14 May 2026 00:00:00 GMThttps://rumahbaru.my/loan/loan-margin-financing-90-vs-80/https://rumahbaru.my/loan/loan-margin-financing-90-vs-80/Panduan praktikal margin financing housing loan di Malaysia. Bila anda dapat 90%, bila kena settle dengan 80%, dan apa kos sebenar perbezaannya.Thu, 07 May 2026 00:00:00 GMThttps://rumahbaru.my/loan/mot-stamp-duty-calculator-2026/https://rumahbaru.my/loan/mot-stamp-duty-calculator-2026/Real numbers for MOT, stamp duty on SPA and loan, and legal fees for a Malaysian property purchase in 2026. Sample calculations across price bands.Thu, 30 Apr 2026 00:00:00 GMThttps://rumahbaru.my/vp-handover/dlp-extension-strata-vs-landed/https://rumahbaru.my/vp-handover/dlp-extension-strata-vs-landed/Defect Liability Period in Malaysia is 24 months under the HDA, but enforcement differs between strata and landed property. The practical difference.Thu, 23 Apr 2026 00:00:00 GMThttps://rumahbaru.my/vp-handover/joint-inspection-developer-vs-buyer/https://rumahbaru.my/vp-handover/joint-inspection-developer-vs-buyer/Panduan keputusan: bila pembeli rumah baru di Malaysia patut hire VP inspector profesional, dan bila boleh buat sendiri dengan checklist.Thu, 16 Apr 2026 00:00:00 GMThttps://rumahbaru.my/vp-handover/ccc-ccm-occupation-permit-explained/https://rumahbaru.my/vp-handover/ccc-ccm-occupation-permit-explained/Plain-English explainer on Certificate of Completion and Compliance, OC, and CCM in Malaysia. What to verify before VP, and what each document does NOT prove.Thu, 09 Apr 2026 00:00:00 GMThttps://rumahbaru.my/vp-handover/vp-checklist-tuntut-dlp/https://rumahbaru.my/vp-handover/vp-checklist-tuntut-dlp/Walk-through Vacant Possession untuk pembeli kali pertama di Malaysia. Apa yang ada dalam DLP, apa kena tolak, apa boleh tuntut sampai bulan ke-24.Thu, 02 Apr 2026 00:00:00 GMT