Malaysia Personal Finance Blog

Expert guides on loans, tax, investing, retirement and more — written for Malaysians, in Ringgit.

150 Articles Updated April 2026 🇲🇾 Malaysia-focused

Featured Articles

Mortgage Interest Rate Malaysia 2026: Complete Bank Comparison

Malaysia mortgage rates in 2026 range from 4.30% to 4.50% per annum, pegged to the BNM Overnight Policy Rate (OPR) of 3.00%. Choosing the right bank can save yo…

Read full article → 2026-04-20 · 6 min read

Loans & Mortgage

How to Calculate Your Mortgage in Malaysia (Step-by-Step)

Calculating your Malaysian mortgage repayment is straightforward once you understand the formula. Th…

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Loans & Mortgage

Best Home Loan Bank in Malaysia 2026: Ranked & Compared

Not all Malaysian home loans are equal. Beyond the headline interest rate, factors like lock-in peri…

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All 12 Articles — RPGT

All Topics Loans & Mortgage Hire Purchase Savings & Interest Insurance & Takaful RPGT Investing Retirement Trust & Estate Income Tax Personal Finance

RPGT

2026-04-20 · 6 min read

RPGT Malaysia 2026: Real Property Gains Tax Complete Guide

Real Property Gains Tax (RPGT) is a capital gains tax levied on profit from property disposal in Malaysia. Since 2022, t…

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RPGT

2026-04-19 · 5 min read

RPGT Exemptions Malaysia 2026: How to Pay Zero Property Tax

There are several legal ways to reduce or eliminate RPGT on property sales in Malaysia. From the once-in-lifetime reside…

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RPGT

2026-04-18 · 5 min read

How to Calculate RPGT Malaysia: Step-by-Step with Examples

Calculating your Real Property Gains Tax (RPGT) in Malaysia requires knowing your disposal price, acquisition price, all…

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RPGT

2026-04-17 · 5 min read

Property Disposal Tax Planning Malaysia: When to Sell for Minimum RPGT

The difference between selling a property in year 4 versus year 5 can cost you 15%–20% of your gain in RPGT. Intelligent…

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RPGT

2026-04-16 · 4 min read

RPGT for Foreigners Selling Property in Malaysia 2026

Foreign nationals and permanent residents selling property in Malaysia face different RPGT rates than Malaysian citizens…

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RPGT

2026-04-15 · 5 min read

RPGT on Inherited Property Malaysia: What You Need to Know

Selling an inherited property in Malaysia triggers RPGT rules that can be confusing. The acquisition date and price for …

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RPGT

2026-04-14 · 5 min read

Stamp Duty on Property Malaysia 2026: Full Rates and Exemptions

Stamp duty is one of the largest upfront costs of buying property in Malaysia, comprising Memorandum of Transfer (MOT) s…

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RPGT

2026-04-13 · 4 min read

Property Valuation for RPGT Malaysia: Market Value vs Transaction Price

LHDN (Inland Revenue Board) can challenge your declared disposal and acquisition prices if they believe the transaction …

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RPGT

2026-04-12 · 4 min read

RPGT on Commercial Property Malaysia: Shops, Offices and Industrial Units

Commercial property — shops, offices, industrial units, and purpose-built commercial properties — is subject to RPGT in …

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RPGT

2026-04-11 · 5 min read

RPGT vs Income Tax on Property Gains: When Does LHDN Treat You as a Trader?

Not all property gains in Malaysia are taxed under RPGT. If LHDN decides you are a property trader — frequently buying a…

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RPGT

2026-04-10 · 5 min read

CKHT Filing Malaysia: How to File RPGT Returns with LHDN

Every property disposal in Malaysia requires filing CKHT (Cukai Keuntungan Harta Tanah) forms with LHDN within 60 days. …

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RPGT

2026-04-09 · 4 min read

RPGT on Vacant Land Malaysia: Different Rules You Must Know

Vacant land — agricultural land, building plots, and undeveloped parcels — is subject to RPGT in Malaysia but with some …

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