Finance & Legal
How can I get a home loan?
Our friendly sales team are always ready to help you with any questions you may have on applying for a home loan. From helping to calculate how much your monthly instalments will be at, to helping you send in your loan application.
Just give us a call on 012 – 500 8018 and let us help you own your dream home today.How much do I have to pay for down payment?
For first time homebuyers, the amount you would have to pay for down payment would usually be at 10% of the property price, this is because the expected amount approved for your home loan will be at 90% of the property price.
More info on home loans for first time buyers here.What is Skim ‘Rumah Pertamaku’?
If you’re a first time homebuyer you can benefit from Skim Rumah Pertamaku or My First Home Scheme. This initiative assists first time home buyers to purchase their first home.
With this scheme, you can obtain up to 110% financing where you don’t even have to pay a down payment for your dream home.
More on Skim ‘Rumah Pertamaku’ here.What is Stamp Duty?
Stamp duty is a tax that is placed on legal documents when you purchase a home, these include documents such as property transfer and loan agreement.
Two categories that include a stamp duty are the Sales and Purchase Agreements (SPA) of your home and the transfer of ownership title, also known as the Memorandum of Transfer (MOT), both of which are calculated based on the purchase price.
You will also be required to pay stamp duty on your loan agreement based on your loan amount. If you have any further questions on Stamp Duty, our friendly sales advisors here more than happy to help answer them. Call / WhatsApp 012 – 500 8018.Are there any Stamp Duty Exemptions?
Yes! As announced in 2020, first time homebuyers will enjoy a full stamp duty exemption when you purchase a home below the price of RM500,000. That helps you save a maximum of RM11,250 on savings.
More on Stamp Duty Exemptions here.What’s the difference between freehold and leasehold properties?
Freehold properties belong entirely to the owner with no control from the government. Leasehold as the title suggests, means that the property / land is leased to the buyer for a period of time from 30 to 99 years. Upon the end of the lease, you will have to apply for an extension.
More on freehold and leasehold properties here.Home Buying
How do I buy a new home?
Wondering what happens when you buy a new home? Whether you’re a first-time buyer or you already own a home, we can make moving home easy.
First make an appointment to view our show homes, where you’ll be able to appreciate the build quality and maybe even get some interior design inspiration. Our helpful team will be on hand to give you a tour so you can choose your home type and your preferred lot.
Once you’ve made a booking for your preferred lot, we will begin making arrangements for you to sign the Sale & Purchase Agreement (SPA). We’re with you each step of the way.
More on the journey to becoming a home owner here.What is the procedure for key collection?
Upon completion of your home, the next step would be the most exciting one, collecting your keys. On handover day, you will receive a handover kit that comprises the keys to your home, a handbook, warranties, inventory checklist, tile and paint codes.
On this special day one of our representatives will accompany you to your new home to check on the fittings and identify any defects or feedback. This should be in writing and will be attended by us throughout the defect liability period (DLP).What is the Defect liability period (DLP) and how long does it last?
The Defect Liability Period is a house warranty under the Housing Development Act Malaysia (HDA). A standard *24 months which begins from the date you receive the keys to your new home and delivery of vacant possession.
Under our unrivalled care programme, K4U, homebuyers can enjoy an extension of *16 months on top of the standard 24 months when you purchase a new home from Kinta Properties, giving you a warranty of 40 months.
*Terms & Conditions apply
More on our warranty for new homes here.What is K4U?
A care programme stylized as K4U, offers a top to toe home buying solution exclusively for you; from financing to moving in to your dream home. We offer:
- Expert financial help
- An extended home warranty
- 4 years home content insurance
- Easy move in – with LAP and TNB supply set up together with 24 months free broadband
Ask Us
If you have any questions that are not listed in our Frequently Asked Questions (FAQs). Do send it to us here, we’re always happy to help.