The Agency Division is a core division in Hartamas and comprises over 140 full-time professionals specializing in residential, commercial and industrial properties as well as land in the Klang Valley and beyond. Our people come from diverse backgrounds such as Finance, Accounting, Management, Consulting, IT, Technology, FMCG and many more, across all levels of management, providing a vast blanket of expertise and skillsets. Coupled with deliberate and consistent training, we are well equipped to evaluate needs and advise you, our client, for optimal results. We believe that the process of buying and selling should be simple and celebratory in nature as opposed to the complex and frustrating process it often is today.

Over the years, we have learnt much about how people buy, sell or rent properties and have applied this knowledge towards effective tools that generate thrilling results. We take great pride in matching buyers and sellers with the right property at the right price. After all, we are talking about your home.


In an increasingly crowded industry, engage us for honest, straightforward and informed input. You will receive localised focus, driven by strong passion and enveloped in exemplary customer service. With the advantage of an established award-winning brand, four offices and a customer-centric business approach, you are given the best real estate assistance to realise your property dreams.

Determine your requirements

The main criteria to rent a property are as follows:

Budget – Bear in mind that not all housing is fully furnished, and costs quoted do not take into account initial deposits (normally amounting to 3.5 months rent), stamping fees for the tenancy agreement, moving cost, electricity, telephone and gas charges.
Location – Does the location you have in mind meet your needs for transport convenience, proximity to your office/school, leisure facilities, shopping/banking amenities, safety?
Accommodation needs – Landed property or condominium. How many bedrooms do you need? Do you require a large kitchen for cooking, or study/playroom for your children?
Tenancy duration – Most tenancy terms are for one year or more; though shorter leases are negotiable on a case-by-case basis. The Landlord usually expects higher rental for short-term tenancy.
Furnishing needs – Do you need a fully furnished or partially furnished home? If you intend to move over your furniture from your existing home, you may prefer an unfurnished one instead.

Arrange viewings

There are three ways to find a suitable property:

–   Newspaper
–   Website
–   Drive around within the vicinity

Another way is to appoint a real estate agent to help you to find your ideal house. Make sure the agent is from a Licensed Estate Agency. Be specific when you discuss your requirements with your agent. This will allow him/her to advise and service you in a professional manner.

Your agent will arrange for you to view available properties that match your criteria. Bring along a small notebook to scribble down both positive and negative points about the property. This will help you make an informed comparison among the properties you have visited. Do be punctual for your viewing appointments.

Besides the property itself, pay attention to surrounding areas. If you can, have a quick walk around. Take note of the ambience, cleanliness and noise levels. You can always change the property interior but there is no way you can change the surroundings!

Create a shortlist of suitable properties and arrange second viewings. Take your time during second viewings and scrutinize the property. Don’t hesitate to open windows, sliding doors, taps, etc to ascertain whether they are in good working order. A property in bad working order is an indication that the landlord is unwilling to carry out appropriate repairs. If the place is furnished find out which furniture comes with the property as some or all of the furniture may belong to the current tenant. Are the appliances (fans, oven, and washing machine) good quality? Check the brand names.

You can highlight any missing or non-working fixtures to your agent’s or Landlord’s attention, but do refrain from making any negative/offensive comments. After all, you may eventually decide to rent the property; so it is wise to exercise tact with the Landlord.


Make an offer

When you find a suitable property, discuss with your agent on making an offer. He/she will be able to give you his/her view on the prevailing market prices with regards to the property type, location and provided furnishings. The landlord will then accept, reject or give a counter-offer, and negotiations will continue until a rent is agreed or they fall through.


The Tenancy Agreement

Once you have decided to rent the property, you will usually pay first month’s rental (earnest deposit) to the Landlord to confirm the deal. Subsequently you will sign a legal document known as a tenancy agreement. Ensure that the tenancy agreement is signed directly between yourself (the Tenant) and the Landlord/Owner and to pay the balance deposit. Normal deposits payment is as follows:

Security Deposit  2 months’ security deposits
Advance rental 1 months’ rental (1st month rental)
Utility deposit half month up to 1 month rental depending the usage of the utilities

The tenancy agreement will set out the obligations between both parties for a fixed term agreed upon. This includes requiring the Landlord/Owner to make sure all utilities are properly installed and in working condition, whilst you (the tenant) will be responsible for ensuring that the property is maintained in good order.

Ensure that the inventory list (items within the property that would be entitled for the Tenant’s use) within the tenancy agreement is satisfactorily met and inspected (you may like to take pictures for evidence) before signing the agreement.

Keep a copy of the tenancy agreement for your own records.


Security Deposit

It is common practice for the Tenant to pay a security deposit equivalent to one or two months’ rental, together with the first month’s of rental upfront. Thereafter, payment is usually done on a monthly basis. The security deposit is refundable at the end of the contract period, provided there is no damage to the property. Any damages or breakages caused by you (the Tenant) will be deducted from the security deposit when it is released. In some cases, the security deposit may also not be refunded if you (the Tenant) do not give sufficient notice to the Landlord about moving out before expiry of the contract.


Payment of Monthly Rental

For avoidance of possible misunderstandings or mishandling, please make sure that the monthly rental is handed directly to the Landlord. It is best that you make payment via cheques payable to the Landlord’s name. Ensure that you receive a receipt from the Landlord showing the full amount of rental paid for the accommodation.


Leaving the property at the end of the tenancy

If you do not wane to renew an expiring tenancy, check your tenancy agreement to determine how much notice you need to serve the landlord, and comply accordingly. Ensure you leave all items in the inventory list, in the same condition as when you started the tenancy. Otherwise, the landlord may use your security deposit to rectifyany damage.

Loan Amount (RM) Tiered Rate
First 150,000 1.0%
Next 850,000 0.7%
Next 2,000,000 0.6%
Next 2,000,000 0.5%
Next 2,500,000 0.4%
Exceeding 7,500,000 0.3% (Negotiable)
Purchase Price (RM) Tiered Rate
First 150,000 1.0%
Next 850,000 0.7%
Next 2,000,000 0.6%
Next 2,000,000 0.5%
Next 2,500,000 0.4%
Exceeding 7,500,000 0.3% (Negotiable)
Property Value (RM) Tiered Rate
First 100,000 0.250%
Next 1,900,000 0.200%
Next 5,000,000 0.167%
Next 8,000,000 0.125%
Next 35,000,000 0.100%
Next 150,000,000 0.067%
Next 300,000,000 0.050%
Exceeding 5000,000,000 0.004%
Purchase Price (RM) Tiered Rate
First 100,000 1.0%
Next 400,000 2.0%
Thereafter 3.0%

Payable upon transfer of title from vendor / developer to purchaser

Malaysia Real Property Gain Tax(RPGT)-2014

With effect from 1 January 2014, the revised RPGT rates for the disposal of real property and shares in real property companies will be as follows:


Follow Date from the Sale & Purchase Agreement (SPA) Companies
Individual (Citizen/PR) Individual (Non-Citizen)
Disposal within 3 years 30% 30% 30%
Disposal in the 4th Year 20% 20% 30%
Disposal in the 5th Year 15% 15% 30%
Disposal in the 6th Year & and subsequent years 5% 0% 5%

For disposal of property whereby state consent is required, the date of disposal shall be the date when such conditions have been complied with but not the date of SPA. However, genuine property owners who dispose their property can apply for exemption of RPGT under the following circumstances ie. a) once-in-a-lifetime exemption for Malaysian individuals, b) disposal by way of gift ie between parent and child, husband and wife etc.

Briefly, the computation of RPGT in Malaysia is as follows:-

A) Disposal Price ( LESS allowable expenditure ie. upgrading and improvement costs to maintain or enhance the value of the property and incidental expenditure such as legal fees and stamp duty, agent fees, administration charges etc)

B) Acquisition Price ( ADD incidental costs legal fees, agent fees, administration charges etc)

Taxable capital gains = A-B less RM10,000.00 exemption or 10% of the net gains, whichever is higher for an individual.


In standard practice, A 2% retention sum of the disposal price will be retained by acquirer’s solicitor for RPGT purpose and filing of notification of disposal to Board of Inland Revenue of Malaysia is required within 60 days.


There are 3 circumstances in which the property seller is exempted from paying RPGT as follows :

1)   Gifts between parent and child; husband and wife; grandparent with grandchild

2)   Transfer of asset between spouses

3)   Disposal of a residential property once in a lifetime



This withdrawal allows you to withdraw your Account 2 savings to finance the purchase of a house. Withdrawal to purchase a second house is allowed after the first house is sold or disposal of ownership of property has taken place. Disposal of ownership refers to ‘loss of ownership of the first house owned through previous EPF withdrawal’ either due to auction, surrender of property by court order, transfer of ownership because of love and affection, destruction of house due to natural disaster, abandoned housing project or cancellation of purchase.

(i) A Malaysian Citizen; OR
(ii) A Malaysian Citizen who has made Leaving the Country Withdrawal before 1 August 1995 and has opted to re-contribute to the EPF; OR
(iii) A Non-Malaysian Citizen who:

  •      Has become an EPF member before 1 August 1998; OR
  •      Has obtained a Permanent Resident status (PR).
  •      You have not reached 55 years of age at the time the EPF receives your application; AND
  •      You have at least RM500.00 of savings in Account 2.


You are eligible to apply if:

1. You buy or build a residential house (type: bungalow / terrace / semi-detached / apartment / condominium / studio apartment / service apartment /townhouse / SOHO) or a shop lot with residential unit.

2. The purchase is financed through:
(i) Housing loan from any of the institutions as follows:

  • Financial Institutions licensed under the Banking and Financial Institutions Act 1989 (BAFIA)
  • Central / State government or any other government financial agencies
  • Member’s employers
  • Cooperatives / Cooperative Companies with license (approved by Malaysian Cooperative Commission, Ministry of Entrepreneur and Cooperative Development)
  • Licensed insurance companies approved by the Central Bank of Malaysia
  • Loan providers allowed by the EPF


(ii) Cash purchase.

3. You have signed the Sale and Purchase agreement of not more than three (3) years at the time your application is received by EPF.

4. You have never made a Housing Withdrawal; OR you have made a withdrawal to purchase your first house and have sold the house or disposal of ownership has taken place and subsequently buy a second house. Proof of sale / disposal of ownership of the first house must be submitted.

5. You intend to buy a house which has been acquired from a rental with a view of purchase agreement from a party authorised by EPF.

6. You have bought a land and built a house on the same land simultaneously (dates of the agreement to purchase the land and the agreement to construct the house must be within 6 months).

You are not eligible to apply if you:

  1. Buy a land or a house lot only
  2. Renovate, repair or do additional work to the existing house
  3. Ownership of property is not via sale and purchase transaction
  4. Have taken an overdraft loan
  5. Buy a third house
  6. Buy a house abroad


You can withdraw your savings as follows:

The difference between the house price with the loan amount and an
additional 10% of the house price
All your savings in Account 2.
(Whichever is lower but not less than RM500.00)
The difference between the house price with the loan amount and an additional 10% of the house price
All the savings in each purchaser’s Account 2 subject to the maximum
amount eligible for withdrawal.
(Whichever is lower but not less than RM500.00)
10% of the house price
All your savings in Account 2.
(Whichever is lower but not less than RM500.00)
House price with an additional 10% of the house price
All your savings in Account 2.
(Whichever is lower but not less than RM500.00)

You may choose to decide on the amount to withdraw from your Account 2, subject to the maximum amount eligible by filling in the desired amount in the Housing Withdrawal Form (KWSP 9C) (AHL).

You may have made a housing withdrawal previously but have cancelled the purchase of the house. In this situation, the withdrawal amount need not be returned. The current eligible amount will be deducted from the amount previously withdrawn subject to the eligible balance (if any).


1. KWSP 9C (AHL) Withdrawal Form.

2. Personal Identification Card
a. MyKad / Military Identification Card / Permanent Resident Identification Card (MyPR)

b. Police Identification Card AND Verification Letter from Employer stating that the Police number and Identification Card number refer to the same person (If member does not own MyKad/Police Identification Card without identification card number)

c. Passport. If the member is not a Malaysian citizen and has become an EPF member before 1 August 1998.
Note:Copy of identification card is not necessary if the member is a MyKad holder and Thumbprint Identification against the EPF Database or MyKad Reader is successful.Members who do not possess MyKad and/or application via mail/ via representative are still required to submit a copy of the identification document respectively.

3. Payment Via Direct Crediting to Member’s Bank Account

  • Bank Passbook / Savings Account Statement OR Current Account Statement OR Verification Letter of Account Holder’s Details from Bank


  • Account Holder’s Details Printed via Website OR Bank Account Holder’s Card

Note: Owns an account with the panel bank appointed by EPF The bank account must still be active (The original document is not required if members are able to provide accurate information of the bank account without having to refer to the original document. The accuracy of the information is important to avoid failure of direct credit to members’ accounts)

4. Payment Via Mail
Application for Member’s Registration and Amendments of Member’s Particulars (KWSP 3).

All application shall be attached with supporting document.



Failure to Return the Unused Amount for Withdrawal Purpose
If the applicant does not use the withdrawal payment for the purpose of the withdrawal is made, the applicant is considered as has committed an
offence and shall, on conviction, be liable to imprisonment for a term not exceeding six months or to a fine not exceeding RM2,000.00 or to both
[Section 58A, EPF Act 1991 (Amendment) 2007].

Incorrect or False Declaration or Furnishing False Documents
If the applicant provides incorrect or false declaration or furnishes false documents, the applicant is considered as has committed an offence and
shall, on conviction, be liable to imprisonment for a term not exceeding three years or to a fine not exceeding RM10,000.00 or to both [Section 59,
EPF Act 1991 (Amendment) 2007].


(i)   Payment in Malaysia

  • All withdrawal payments will be credited directly into your account subject to the following:

a. You have an account with a panel bank appointed by EPF; AND
b. Your account is still active; AND
c. Your identification number matches with the bank’s record; AND
d. Payment is made in Ringgit Malaysia (RM).

  • However, if the payment cannot be credited into member’s bank account due to causes such as bank account is not active or your identification number does not match with the bank’s record, payment will be made via banker’s cheque.

(ii) Remittance of Payment to Foreign Countries

Payment is made via Foreign Bank Draft. Types of currencies are as follows:

  • Foreign currency as per member’s choice stated in the application form subject to the currency is available in EPF’s list for the purpose of payment via Foreign Bank Draft; OR
  • In US Dollar if the currency stated by the member in the withdrawal form is not available in EPF’s list for the purpose of payment via Foreign Bank Draft

EPF will make a verification with the member again if the type of currency chosen in the application form is not available in the allowed list or
before changing the type of currency to US Dollar.


Submission can be made at any EPF branch either at the counter OR via mail.

Please bring along ALL original documents for verification purposes by the EPF Officer.
However, if the photocopied documents have been verified, please ensure the photocopies have been verified by the authorised officer by EPF,
complete with signature, name, designation and official stamp.

Please ensure that ALL documents have been verified by an officer authorised by EPF, complete with signature, name, designation and an official

All applications by mail must be addressed to:
Locked Bag No. 220
Jalan Sultan
46720 Petaling Jaya

Should you have any enquiry or require additional information regarding this withdrawal, kindly contact:
Any EPF Office nearest to you;
The EPF Call Management Centre (CMC) at: 03-8922 6000
Customer Feedback: http://enquiry.kwsp.gov.my

Please quote your EPF number or your Identification Card number and the type of withdrawal that you have applied for when you contact the EPF.

Approved participants of Malaysia My Second Home Programme are provided with various incentives to make their stay more comfortable and enjoyable in Malaysia.

Please be informed that property purchase is not a pre-requisite for participating in MM2H programme.

Any foreigner may purchase any number of residential property in Malaysia, subject to the minimum price established for foreigners by the different states. They start from RM500,000 per unit for most states, from 1st January 2010. Land is a state matter and it is important to check state laws before making any commitment, as the minimum purchase price is not standardised between states.

Also ensure that your lawyer does thorough check with the local land office that you have ownership rights to any property that you are purchasing and that the property you are purchasing is under your personal name; and not of a third person.

Fixed deposit withdrawals for purpose of house purchase is allowable for property bought under the name of the MM2H main applicant only.

Profit made on the sale of property is 5% (Real Property Gains Tax)


Documents :

1 . Acquisition of Properties

2. Bringing in Personal Belongings

(a) Land and Buildings – Maximum fee of 3%

(b) Fees for other services such as joint venture, sale of company, property swaps, etc. – Maximum fee of 3%

(c) Chattels including Plant and Machinery – 10 % of the proceeds

Minimum fee : As above, subject to a  minimum fee shall be RM1,000 per property.

The above scale applies to any sale or purchase by way of private treaty, tender or any other mode of disposal or acquisition.

For Sale and Marketing of projects by registered estate agents, the fees are to be agreed between the estate agent and the client.

The above scale of fees shall not apply to the sale of foreign properties in Malaysia or sale of Malaysian properties in foreign countries.

Duration of Tenancy Maximum (Fee equivalent to)
Up to 3 years 1.25 months gross rental
Exceeding 3 years up to 4 years 1.50 months gross rental
Exceeding 4 years up to 5 years 1.75 months gross rental
Exceeding 5 years 1.75 months gross rental
Exceeding 5 years
(without option for renewal)
1.75 months gross rental
Exceeding 5 years
(with option for renewal)
1.75 months gross rental plus 0.25 months rental

for every additional year

Minimum fee : As above subject to  a minimum fee of 1 month rental.

For tenancies less than one year, the fee may be calculated on a pro rata basis.

3. Rent Reviews – 50 % of the fees chargeable under lettings

4. Additional Claims

In addition to the fees stated in items 1 to 3, claims may be made for:

(a) the cost of printing, plans, copies of documents, lithography, traveling (only where the distance between the estate agent’s office and the property is more than 40 km) and other expenses actually incurred;

(b) the cost of media advertisements, signboards, brochures and other promotional material.

Note : The above additional claims may not be incurred by the registered estate agent without the prior concurrence of the client.

Property Value (RM) Tiered Rate
First 100,000 0.250%
Next 1,900,000 0.200%
Next 5,000,000 0.167%
Next 8,000,000 0.125%
Next 35,000,000 0.100%
Next 150,000,000 0.067%
Next 300,000,000 0.050%
Exceed 5000,000,000 0.004%

5.0% of the gross annual rent on the first RM30,000

3.0% of the gross annual rent on the residue up to RM 100,000

2.0% of the gross annual rent on the residue over RM 100,000

* The fee is applicable to each holding. The expression ‘holding’ as used here has the same meaning as defined in Section 2 of the Local Government Act 1976.

The expression ‘gross annual rent’ means the rents reserved or deemed to be reserved by the lease or lettings plus any incidental receipts collected or accounted for or both in the course of management.

Minimum fee : As above subject to a minimum fee of RM50 per month.


In addition to the above, claims may be made for-

1.  The cost of printing, plans, copies of documents, lithography, traveling and other expenses actually incurred;

2.  A fee of RM 150 per hour or RM 800 per working day of 8 hours for negotiations, attendance at meetings with solicitors, consultants or   authorities;

3.  A fee of RM 200 per hour or RM 1,000 per working day of 8 hours for giving evidence before judicial bodies.

Note :

The fees stated in items (2) and (3) are chargeable for actual appearance at meetings or before judicial bodies. In the case of postponements, adjournments, etc. (where less than 24 hours notice is given), a minimum fee of RM 400 is chargeable if the meeting or judicial appearance is in the same town/city as the location of the practice and a minimum of RM 800 is chargeable if the meeting or judicial appearance is outside the location of the practice.


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