Siburan New House by Gideon Kueh, Siburan (2026)

01/11/2025

𝐇𝐢𝐝𝐝𝐞𝐧 𝐂𝐨𝐬𝐭𝐬 𝐖𝐡𝐞𝐧 𝐁𝐮𝐲𝐢𝐧𝐠 𝐚 𝐇𝐨𝐮𝐬𝐞 𝐓𝐡𝐚𝐭 𝐌𝐨𝐬𝐭 𝐁𝐮𝐲𝐞𝐫𝐬 𝐅𝐨𝐫𝐠𝐞𝐭

When you see the house price on a brochure, it’s easy to think —
“𝘛𝘩𝘢𝘵’𝘴 𝘵𝘩𝘦 𝘵𝘰𝘵𝘢𝘭 𝘤𝘰𝘴𝘵.”

But in reality, buying a property involves several extra expenses that first-time buyers often overlook.

Here’s a quick guide to help you plan your budget better 👇

💼 𝟏. 𝐋𝐞𝐠𝐚𝐥 𝐅𝐞𝐞𝐬 & 𝐒𝐭𝐚𝐦𝐩 𝐃𝐮𝐭𝐲

These are charges for your Sale & Purchase Agreement (SPA) and Loan Agreement.

They usually cover:

- Lawyer’s professional fees
- Government stamp duty
- Disbursement costs (searches, registration, etc.)

✅ Tip: Some developers offer “free legal fees” or “SPA + loan legal covered,” so always check before booking.

🏦 𝟐. 𝐕𝐚𝐥𝐮𝐚𝐭𝐢𝐨𝐧 𝐅𝐞𝐞 (for Subsale or Certain Loans)

If you’re buying a subsale property, the bank will appoint a valuer to assess the market price.

This usually costs a few hundred ringgit depending on property value.

✅ Tip: For new projects, this is often not required — the developer’s price is accepted by the bank.

🪑 𝟑. 𝐑𝐞𝐧𝐨𝐯𝐚𝐭𝐢𝐨𝐧 & 𝐅𝐮𝐫𝐧𝐢𝐬𝐡𝐢𝐧𝐠 𝐂𝐨𝐬𝐭𝐬

After key handover, you’ll still need to spend on:

- Lighting, fans, and curtains
- Furniture or kitchen setup
- Basic renovation (especially for bare units)

✅ Tip: New condos or apartments often come partially furnished — check what’s included before deciding.

🔑 𝟒. 𝐌𝐚𝐢𝐧𝐭𝐞𝐧𝐚𝐧𝐜𝐞 𝐅𝐞𝐞𝐬 & 𝐒𝐢𝐧𝐤𝐢𝐧𝐠 𝐅𝐮𝐧𝐝 (for Apartments/Condos)

These are monthly payments for security, cleanliness, and facilities upkeep.

The sinking fund is a small contribution for long-term maintenance (e.g. repainting, lift repairs).

✅ Tip: Usually ranges from RM0.20–RM0.35 per sqft — know this early so you can budget correctly.

💸 𝟓. 𝐌𝐨𝐯𝐢𝐧𝐠-𝐈𝐧 𝐄𝐱𝐩𝐞𝐧𝐬𝐞𝐬 & 𝐔𝐭𝐢𝐥𝐢𝐭𝐲 𝐃𝐞𝐩𝐨𝐬𝐢𝐭𝐬

When you move in, you’ll need to pay deposits for water, electricity, and internet setup.

Add transportation or minor touch-ups — and that’s a few hundred more.

✅ Tip: Always keep a buffer of RM5,000–RM10,000 aside for these small but necessary costs.

💡 𝐅𝐢𝐧𝐚𝐥 𝐀𝐝𝐯𝐢𝐜𝐞:

Don’t just save for the down payment — plan for the real cost of ownership.

Knowing these hidden costs upfront helps you avoid last-minute stress and enjoy a smooth home-buying journey.

28/10/2025

𝐖𝐡𝐚𝐭 𝐇𝐨𝐦𝐞𝐨𝐰𝐧𝐞𝐫𝐬𝐡𝐢𝐩 𝐑𝐞𝐚𝐥𝐥𝐲 𝐌𝐞𝐚𝐧𝐬

Owning a home isn’t just about signing a loan or getting a house key.

It’s about stability, pride, and a sense of belonging that renting can never replace.

🏠 𝐖𝐡𝐚𝐭 𝐇𝐨𝐦𝐞𝐨𝐰𝐧𝐞𝐫𝐬𝐡𝐢𝐩 𝐑𝐞𝐚𝐥𝐥𝐲 𝐌𝐞𝐚𝐧𝐬

When you rent, every month’s payment goes to someone else’s asset.

When you buy, every payment builds your own future.

It’s not just a roof over your head — it’s something you can proudly call “mine.”

👨‍👩‍👧 𝟐. 𝐈𝐭 𝐆𝐢𝐯𝐞𝐬 𝐘𝐨𝐮𝐫 𝐅𝐚𝐦𝐢𝐥𝐲 𝐒𝐞𝐜𝐮𝐫𝐢𝐭𝐲

A home means your children grow up in one place.

You can renovate, decorate, and create memories without worrying about moving out next year.

That feeling of security — you can’t put a price on it.

💪 𝟑. 𝐈𝐭’𝐬 𝐚 𝐒𝐢𝐠𝐧 𝐨𝐟 𝐆𝐫𝐨𝐰𝐭𝐡

Buying your first home is more than a financial decision — it’s a milestone.

It shows that you’ve worked hard, built stability, and are ready for the next chapter of life.

🌱 𝟒. 𝐈𝐭’𝐬 𝐭𝐡𝐞 𝐅𝐢𝐫𝐬𝐭 𝐒𝐭𝐞𝐩 𝐓𝐨𝐰𝐚𝐫𝐝 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐅𝐫𝐞𝐞𝐝𝐨𝐦

Property is one of the few things that grows in value while you live in it.

One day, you can upgrade, rent it out, or even pass it to your next generation.

💡 𝐅𝐢𝐧𝐚𝐥 𝐓𝐡𝐨𝐮𝐠𝐡𝐭:

Homeownership isn’t about status — it’s about peace of mind.

It’s about waking up every day knowing that no matter what happens, you have a place that’s truly yours.

26/10/2025

𝟓 𝐂𝐨𝐦𝐦𝐨𝐧 𝐑𝐞𝐚𝐬𝐨𝐧𝐬 𝐁𝐚𝐧𝐤𝐬 𝐑𝐞𝐣𝐞𝐜𝐭 𝐇𝐨𝐮𝐬𝐢𝐧𝐠 𝐋𝐨𝐚𝐧 𝐀𝐩𝐩𝐥𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬

Many buyers get excited to book their first home — but end up frustrated when the bank says ❌ “Loan not approved.”

Here are the top reasons why it happens (and how you can avoid it).

💳 𝟏. 𝐓𝐨𝐨 𝐌𝐚𝐧𝐲 𝐄𝐱𝐢𝐬𝐭𝐢𝐧𝐠 𝐂𝐨𝐦𝐦𝐢𝐭𝐦𝐞𝐧𝐭𝐬

Personal loans, car loans, or credit card debt can reduce your loan eligibility.

Banks calculate your Debt Service Ratio (DSR) — if it’s too high, your housing loan might get rejected even if your salary looks good.

✅ Tip: Try to clear smaller debts or reduce credit card balances before applying.

🧾 𝟐. 𝐔𝐧𝐬𝐭𝐚𝐛𝐥𝐞 𝐨𝐫 𝐈𝐫𝐫𝐞𝐠𝐮𝐥𝐚𝐫 𝐈𝐧𝐜𝐨𝐦𝐞

If you just changed jobs, are self-employed without proper proof, or have inconsistent income, banks may see you as a higher risk.

✅ Tip: Show 6–12 months of consistent payslips or bank statements. For business owners, prepare income tax (BE form) and company documents.

💰 𝟑. 𝐍𝐨𝐭 𝐄𝐧𝐨𝐮𝐠𝐡 𝐍𝐞𝐭 𝐈𝐧𝐜𝐨𝐦𝐞 𝐀𝐟𝐭𝐞𝐫 𝐃𝐞𝐝𝐮𝐜𝐭𝐢𝐨𝐧𝐬

Even if your salary is high, banks look at your net take-home pay after EPF, SOCSO, and other deductions.

If the balance is too low, your loan amount might be reduced or rejected.

✅ Tip: Apply for properties within your comfortable range — usually, the monthly loan should not exceed 30–35% of your income.

📉 𝟒. 𝐏𝐨𝐨𝐫 𝐂𝐂𝐑𝐈𝐒 𝐨𝐫 𝐂𝐓𝐎𝐒 𝐑𝐞𝐜𝐨𝐫𝐝

Late payments, outstanding PTPTN, or unpaid credit cards affect your credit score.

Banks can easily check your repayment history — and one bad record can ruin your chances.

✅ Tip: Always pay on time. If you’ve settled past loans, update your CCRIS report at Bank Negara to reflect the changes.

🏦 𝟓. 𝐀𝐩𝐩𝐥𝐲𝐢𝐧𝐠 𝐭𝐨 𝐭𝐡𝐞 𝐖𝐫𝐨𝐧𝐠 𝐁𝐚𝐧𝐤

Each bank has its own policy and risk appetite.

One bank may reject, another may approve the same case — especially for government staff, commission earners, or self-employed buyers.

✅ Tip: Work with an agent or banker who can submit to multiple banks and compare results.

💡 𝐅𝐢𝐧𝐚𝐥 𝐀𝐝𝐯𝐢𝐜𝐞 :

Don’t feel discouraged if your first loan gets rejected.

Learn from it, fix the issue, and try again — because every rejection brings you one step closer to your home key.

07/08/2025

📸 𝐋𝐚𝐭𝐞𝐬𝐭 𝐒𝐢𝐭𝐞 𝐏𝐫𝐨𝐠𝐫𝐞𝐬𝐬 – 𝐋𝐚𝐧𝐝𝐞𝐡 𝐒𝐢𝐧𝐠𝐥𝐞 𝐒𝐭𝐨𝐫𝐞𝐲

🏗️ Construction is almost done – roofs installed, walls completed, and final works in progress.
🚧 Road access and surroundings are taking shape — the whole area is coming to life.

🔥 𝐎𝐧𝐥𝐲 𝟑 𝐮𝐧𝐢𝐭𝐬 𝐥𝐞𝐟𝐭!
The rest are gone. These are the last keys on the table.

🏠 Landeh Single Storey
📐 Build-up size: 941 sqft
🌱 Land size: ±5.16 – 9.34 points
💰 Price from RM418,000
💳 Estimated monthly from ±RM1,676
(Based on 90% loan, 4% interest, 35 years)

📝 Booking only RM3,000
✅ Full loan applicable (T&C)
🏦 Bank & LPPSA accepted

🎁 FREE:
✔ Legal Fee (S&P only)
✔ Stamp Duty (S&P only)

⚠️ Homes are nearly ready. Prices going up. Units almost gone.
Click the link for full details & secure yours now.

🔖

15/02/2025

🚨 𝙄 𝙏𝙝𝙤𝙪𝙜𝙝𝙩 𝙄 𝙋𝙖𝙞𝙙 𝙀𝙫𝙚𝙧𝙮𝙩𝙝𝙞𝙣𝙜… 𝘽𝙪𝙩 𝙏𝙝𝙚𝙣 𝙄 𝙂𝙤𝙩 𝙁𝙞𝙣𝙚𝙙! 🚨

Buying your first home is exciting—until unexpected costs catch you off guard! 🏡

Many first-time buyers don’t realize that 𝐬𝐭𝐚𝐦𝐩 𝐝𝐮𝐭𝐲 𝐦𝐮𝐬𝐭 𝐛𝐞 𝐩𝐚𝐢𝐝 𝐰𝐢𝐭𝐡𝐢𝐧 𝟑𝟎 𝐝𝐚𝐲𝐬, or they risk 𝐡𝐞𝐟𝐭𝐲 𝐩𝐞𝐧𝐚𝐥𝐭𝐢𝐞𝐬 𝐨𝐟 𝐮𝐩 𝐭𝐨 𝐑𝐌𝟏𝟎𝟎 𝐨𝐫 𝟐𝟎% 𝐞𝐱𝐭𝐫𝐚! 😨

Imagine finally getting your dream home, only to receive a surprise fine just because of a small oversight.

I wouldn’t want this to happen to anyone—buying a home is already expensive enough!

𝐓𝐚𝐤𝐞 𝐚 𝐦𝐨𝐦𝐞𝐧𝐭 𝐭𝐨 𝐜𝐡𝐞𝐜𝐤 𝐭𝐡𝐞 𝐫𝐮𝐥𝐞𝐬, 𝐚𝐯𝐨𝐢𝐝 𝐮𝐧𝐧𝐞𝐜𝐞𝐬𝐬𝐚𝐫𝐲 𝐟𝐞𝐞𝐬, 𝐚𝐧𝐝 𝐦𝐚𝐤𝐞 𝐬𝐦𝐚𝐫𝐭𝐞𝐫 𝐡𝐨𝐦𝐞-𝐛𝐮𝐲𝐢𝐧𝐠 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬. ✅

Have you ever faced an unexpected home-buying cost? 𝐂𝐨𝐦𝐦𝐞𝐧𝐭 𝐛𝐞𝐥𝐨𝐰 𝐚𝐧𝐝 𝐬𝐡𝐚𝐫𝐞 𝐲𝐨𝐮𝐫 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞! 👇

Read more:
https://iqiglobal.com/blog/stamp-duty-malaysia/

05/02/2025

🏡 𝐒𝐈𝐁𝐔𝐑𝐀𝐍 𝐍𝐄𝐖 𝐇𝐎𝐔𝐒𝐄 🏡

📍 Located opposite Unaco Siburan 18th Mile
https://goo.gl/maps/EEn6nqrMZ5nwAFqn7

🚗 0.80 KM to Duranda Commercial Centre
🚗 0.95 KM to Unaco Siburan
🚗 2.70 KM to Eastern Mall
🚗 3.20 KM to SMK Siburan

𝐈𝐧𝐟𝐨

▶ 𝐒𝐢𝐧𝐠𝐥𝐞 𝐒𝐭𝐨𝐫𝐞𝐲
✅ 3 Bedrooms 2 Bathrooms
✅ 2-3 Parking
✅ Land from 4.93 points
✅ Built up from 938 sqft
💰 From RM 441K ( Monthly from RM 1758)
🌟 Corner with Study Room from RM 555K

▶ 𝐃𝐨𝐮𝐛𝐥𝐞 𝐒𝐭𝐨𝐫𝐞𝐲
✅ 4 Bedrooms 3 Bathrooms
✅ 2 Parking
✅ With Family Hall on 1st floor
✅ Land from 4.58 points
✅ Built up from 1646 sqft
💰 From RM 598K ( Monthly from RM 2384)

📄 Booking fee RM 2000 (refundable if loan rejected)

𝐋𝐞𝐠𝐚𝐥 𝐅𝐞𝐞 & 𝐒𝐭𝐚𝐦𝐩 𝐃𝐮𝐭𝐲 :
👉🏻 SPA Legal Fee & Stamp Duty : By Developer
👉🏻 Loan Agreement Legal Fees & Stamp Duty : By Purchaser
👉🏻 MOT Legal Fees & Stamp Duty : Half Share Between Developer & Purchaser

Whatsapp for booking 💬

Gideon Kueh
REN 52809
IQI REALTY
wa.me/60168680188

====================

Check my catalog for new property
https://wa.me/c/60168680188

Have property to sell❓
Let me assist you 🤗
Wa.me/60168680188

𝐅𝐨𝐥𝐥𝐨𝐰 𝐟𝐨𝐫 𝐥𝐚𝐭𝐞𝐬𝐭 𝐥𝐢𝐬𝐭𝐢𝐧𝐠𝐬
👉🏻FB Profile
https://facebook.com/sK3ith/
👉🏻Whatsapp Channel
https://whatsapp.com/channel/0029VasoXWy42DcZVfsA841Z
👉🏻Telegram Channel
https://t.me/gideonpropertylistings

21/01/2025

𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐨𝐟 𝐛𝐮𝐲𝐢𝐧𝐠 𝐚 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐢𝐧 𝐌𝐚𝐥𝐚𝐲𝐬𝐢𝐚? 🏠

Whether for your own stay or as an investment, let’s compare both options!

24/12/2024

Latest site progress of 𝟏𝟐 𝐌𝐢𝐥𝐞 𝐓𝐨𝐰𝐧𝐡𝐨𝐮𝐬𝐞 🏗

👉🏻Lower and Upper unit to choose from
👉🏻Size from 1286 sqft
👉🏻 Affordable price from RM 350K

Whatsapp for viewing scale model 💬

Gideon Kueh
REN 52809
IQI REALTY
wa.me/60168680188

Siburan New House by Gideon Kueh

01/11/2025

28/10/2025

26/10/2025

07/08/2025

15/02/2025

05/02/2025

21/01/2025

24/12/2024

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