Investment Insights

Educational resources, calculators, and guides to help you make informed property investment decisions in Malaysia.

Property Guides

Financing Readiness Checklist

Credit score above 650 (check at CTOS/CCRIS)
Stable employment for at least 6 months
Total debt service ratio (DSR) below 70%
Savings of at least 10% of property price
Emergency fund of 3–6 months expenses
No active legal judgments or bankruptcy records
Income documents ready (3 months payslip, EA form)
Pre-check with at least 2 banks before making offer

Subsale Investment Guide

What is a Subsale Property?

A subsale property is a property that has been previously owned and is being resold on the open market. Unlike new launches, subsale properties are ready to move in and have an established price history.

Key Investment Metrics to Evaluate

Focus on: Gross rental yield (above 5% is investment-grade), price per sqft vs area average, proximity to MRT/LRT, capital appreciation history, and demand-supply dynamics in the area.

Best Areas for Subsale Investment (2026)

High-yield corridors: Cheras (MRT accessibility), Bukit Jalil (new township growth), Bangsar South (corporate demand), Ara Damansara (MRT station), Subang Jaya (established demand).

Due Diligence Checklist

✅ Check title type (freehold vs leasehold remaining years) ✅ Verify maintenance fees and sinking fund ✅ Inspect property condition and estimate renovation costs ✅ Check CTOS/CCRIS before loan application ✅ Review tenancy agreement if currently tenanted

Rental Yield Calculator

Loan Repayment Calculator

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