K3V Real Estate

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K3V Real Estate - A Premium Real Estate Agent Group based in Mont Kiara, managed by Kevin Teh: Bringing you interesting news feeds, listings, photos, ideas, all related to real estate in Malaysia and worldwide. K3V Real Estate aims to bring together a network of real estate related parties to streamline the process of property marketing and transactions, from developers, planners, architects, valuers, bankers, buyers, real estate agents, sellers, lawyers, to even after sales services including insurance, interior designers and builders. We are more than happy to include you in our mailing list for frequent updates. or follow / subscribe to us at all our major social media platforms! Best of all, drop by for a coffee!

16/10/2026

A good deal is still a good deal on Monday.

→ Q1 — What changes if I wait until Monday?

→ Q2 — What's my number, and have I said it out loud?

→ Q3 — Who benefits from Friday?

→ Genuine deadlines exist. A deadline should speed up your thinking, not skip it

→ Sleep on it — at least one night — even when the answer feels obvious

What's your number, and have you said it out loud?

Send this to the friend who's been told 'you have until Friday'.

Follow for Real Numbers every week.

A negotiator's principle — no statistics or regulations are cited.

This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions.

Asked for a booking fee before the SPA? Read the rule before you pay.→ Housing Development (Control and Licensing) Regul...
16/10/2026

Asked for a booking fee before the SPA? Read the rule before you pay.

→ Housing Development (Control and Licensing) Regulations 1989, reg. 11(2), as amended in 2015
→ In short: no one — including parties acting as stakeholders — may collect any payment, by whatever name it is called, except as the contract of sale allows
→ Since 1 July 2015 the rule covers any person, not only the housing developer
→ It sits under the Housing Development (Control and Licensing) Act 1966 — sales by licensed housing developers, not subsale
→ Before you pay: ask to see the SPA, what the payment is called, who holds it, and which SPA clause allows it

Have you ever been asked for a booking fee before the SPA?

Send this to a friend going to a showroom this weekend. Follow for Real Numbers every week. DM me BOOKING.

Source: P.U.(A) 106/2015 (in force 1 Jul 2015) amending reg. 11(2), Housing Development (Control and Licensing) Regulations 1989. Rule paraphrased — read the regulation and speak to your own lawyer.

This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions.

15/10/2026

Your defect clock can start before you collect the keys.

→ Standard Schedule H defect period: 24 months from taking possession — or deemed possession 30 days after the developer's notice (cl. 27(3), 30(1))

→ Developer must repair within 30 days of your WRITTEN notice — registered post (deemed received 5 days after posting) or by hand (cl. 32)

→ 5% of the price is held by the developer's solicitors: 2.5% released at 8 months, 2.5% at 24 months (Third Schedule item 5)

→ On RM1,000,000: RM50,000 held — RM25,000 + RM25,000 (illustration)

→ Serve notice BEFORE those dates and copy the solicitors — the held money can't release until the architect certifies the repair (cl. 30(3))

→ Standard form only: your own agreement may differ. Read your defect clause

What date does your clock start?

Send this to the friend collecting keys this month.

Follow for Real Numbers every week.

Source: Housing Development (Control and Licensing) Regulations 1989, Schedule H as substituted by P.U.(A) 106/2015 (in force 1 Jul 2015). Peninsular Malaysia, licensed housing developers. As at 24 Sep 2026.

This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions.

Paying someone to look after Mum or Dad? Budget 2027 proposes no doctor's letter for the relief — and no service tax on ...
15/10/2026

Paying someone to look after Mum or Dad? Budget 2027 proposes no doctor's letter for the relief — and no service tax on care fees up to RM96,000 at registered centres.

→ Today (from YA2025): up to RM8,000 relief for parents' and grandparents' medical and care costs, certified by a registered medical practitioner
→ Proposed from YA2027: care at home, day care and residential care widened to all types of care expenses, not only health care
→ Proof: the carer's written declaration (not you, your spouse or your child) or the carer's work permit, plus receipts — no medical practitioner certification
→ What RM8,000 of relief is worth: RM1,440 at an 18% top band, RM1,920 at 24%
→ Proposed from 1 Jan 2027: elderly care service tax 8% → 6%; fees up to RM96,000 a year per elderly person exempt at registered centres
→ RM5,000 a month = RM60,000 a year: RM4,800 if 8% is charged today, RM0 at a registered centre from 2027

Who in your family handles your parents' care bills?

Send this to the siblings who share the cost. Follow for Real Numbers every week.

Source: M*F Budget 2027 Tax Measures, Lampiran 3 and 34; Budget Speech 2027, paras 29 and 74. Proposed — not law until passed and in force.

This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions.

14/10/2026

Your bond fund dropped. Nobody defaulted.

→ Bond yields up = bond prices down. Always opposite.

→ Illustration: RM1,000 bond, 3.5% coupon, 10 years left. Market yield 4% → worth ~RM959. Market yield 3% → ~RM1,043.

→ The longer the bond, the bigger the swing.

→ MGS when I filmed (BPAM, 7 Oct 2026): 3Y ~3.57% · 5Y ~3.82% · 10Y ~4.02%

→ Your floating-rate home loan follows the OPR (2.75%), not the bond yield. BNM: SBR follows OPR exactly.

Is your money in a bond fund, EPF, or neither?

Send this to the friend who says bonds are boring. Follow for Real Numbers every week.

Source: SC InvestSmart; BNM Quarterly Bulletin 2Q 2026; BNM Standardised Base Rate; BPAM (7 Oct 2026).

This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions.

RM750,000 first home. Sign in December: RM16,500 stamp duty on the transfer. Sign from 1 January 2027: RM3,750 — if the ...
14/10/2026

RM750,000 first home. Sign in December: RM16,500 stamp duty on the transfer. Sign from 1 January 2027: RM3,750 — if the Budget 2027 proposal goes through.

→ Today: 100% exemption on the transfer and loan agreement, first home up to RM500,000, Malaysian citizens. Above RM500,000: no exemption
→ Proposed: up to RM750,000 gets 100% on the first RM500,000 + 50% on the balance, for SPAs signed 1 Jan 2027 – 31 Dec 2030
→ RM750,000: 1% × 100,000 + 2% × 400,000 + 3% × 250,000 = RM16,500 today. Proposed: 50% × RM7,500 = RM3,750
→ RM600,000: RM12,000 today, RM1,500 proposed
→ The cliff: RM760,000 gets nothing — RM16,800, which is RM13,050 more than a RM750,000 home under the proposal
→ Ask your lawyer which date counts as your SPA date

Are you buying your first home in the next six months?

Send this to a friend about to sign for their first home. Follow for Real Numbers every week. DM me STAMP.

Source: M*F Budget 2027 Tax Measures, Lampiran 16; Budget Speech 2027, para 56; Stamp Act 1949, First Schedule, item 32(a). Proposed — not law until passed and in force. Loan agreement duty not included in the figures.

This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions.

13/10/2026

KL: sales +2.4%, prices +2.7%. Selangor: sales −10.5%, prices −1.1%.

→ Residential transactions H1 2026 vs H1 2025: KL 6,618 (+2.4%) · Selangor 22,389 (−10.5%)

→ House price index, annual (Q2 2026 prelim): KL +2.7% · Selangor −1.1%

→ Average house: KL RM825,282 (highest in the country, per NAPIC) · Selangor RM561,187

→ New launches sold: KL 20.7% · Selangor 6.8% — both lower than a year ago (31.6% and 16.6%)

→ Selangor = the whole state. Averages mix every house type

Which two places are you actually comparing?

Send this to the friend choosing where to buy.

Source: NAPIC Central Region Property Market Report H1 2026; NAPIC Malaysian House Price Index Q2 2026P (preliminary). As at 24 Sep 2026.

DM me KLVSSEL

This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions.

12/10/2026

KL serviced apartment: +6% in 8 years. Everyday prices: +13%.

→ NAPIC SA-PI, Kuala Lumpur: 100.1 (Q1 2018) → 106.1 (Q2 2026, preliminary) = +6.0%

→ DOSM consumer price index: 121.17 → 137.03 (quarterly averages, same quarters) = +13.1%

→ RM1,000,000 (illustration): about RM1,060,000 on the apartment index. About RM1,131,000 to buy the same basket today

→ Per year over 8.25 years: about 0.7% vs about 1.5%

→ Price only — no rent, mortgage interest, service charges, tax or buying costs. One KL-wide average, not your building

Which side of the average is your building on?

Send this to the friend who says property never loses.

Follow for Real Numbers every week.

Source: NAPIC Serviced Apartment Price Index Q1–Q2 2026P (Q2 2026 preliminary); DOSM headline CPI via OpenDOSM. Figures as at 24 Sep 2026.

This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions.

What the bank actually sees when it pulls your CCRIS. Three sections, 12 months, a row of zeros — and four things that a...
11/10/2026

What the bank actually sees when it pulls your CCRIS. Three sections, 12 months, a row of zeros — and four things that are not in it.

→ CCRIS is BNM's Central Credit Reference Information System — credit information on borrowers from participating financial institutions
→ Three sections: Outstanding Credit · Special Attention Account · Application for Credit (approved or pending, last 12 months)
→ Conduct of account, 12 months, coded 0 = no arrears, 1 = one month in arrears, 2 = two months, and so on
→ Not in it: a blacklist, your income, rejected applications, any BNM opinion or rating
→ Active facilities and Special Attention Accounts stay visible while they exist — old but still-open problems can still show
→ Free: eccris.bnm.gov.my (MyKad + internet banking), CCRIS kiosks at AKPK offices, or by post

Have you read your own CCRIS before the bank did?

Send this to the friend applying for a home loan who has never opened eccris.bnm.gov.my. Follow for Real Numbers every week.

Source: BNM CCRIS FAQ; BNM CCRIS Report sample (English). The 3–6 month timing is advice, not a rule.

This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions.

From 1 January 2027, spouses of Category I Employment Pass holders on a Dependant Pass will be allowed to work in Malays...
10/10/2026

From 1 January 2027, spouses of Category I Employment Pass holders on a Dependant Pass will be allowed to work in Malaysia, subject to conditions.

→ Announced in the Budget 2027 speech
→ Conditions not yet published
→ DE Rantau Nomad Pass holders at the 2-year limit get 2 more years

Source: M*F Budget 2027 speech (BM), pp. 67–68:https://belanjawan.mof.gov.my/pdf/belanjawan2027/ucapan/ub27.pdf
Know an expat family in KL? Send this to them. DM me EXPAT27.

This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions.

Address

SOLARIS DUTAMAS
Kuala Lumpur
50480

Opening Hours

Monday 10:00 - 16:00
Tuesday 10:00 - 16:00
Wednesday 10:00 - 16:00
Thursday 10:00 - 16:00
Friday 10:00 - 16:00
Saturday 10:00 - 16:00
Sunday 10:00 - 16:00

Telephone

+60135557333

Website

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