Malaysia's Real Property Gains Tax (RPGT) significantly regulates property transactions and curbs speculative activities. As we step into 2025, there are key updates to RPGT regulations that property owners, buyers, and investors need to be aware of. Here's a comprehensive guide to help you understand the changes and comply with the latest requirements.Table of contentsWhat is RPGT in Malaysia?Key Updates to Real Property Gains Tax in 2025Real Property Gains Tax (RPGT) Rates for 2025RPGT Exemptions in Malaysiaa) Once-in-a-lifetime exemptionb) Family Transfersc) Chargeable Gains WaiverHow to File RPGT in 2025Why These RPGT Updates Are ImportantTL;DR: Key Takeaways for RPGT 2025What is RPGT in Malaysia?RPGT is a tax on the profits made from selling real property or shares in real property companies. This tax ensures equitable contributions and discourages short-term speculative investments, making the Malaysian property market more stable.Key Updates to Real Property Gains Tax in 20251. Mandatory Online Submission Effective January 1, 2025, all RPGT return forms must be submitted electronically via the e-CKHT platform on the MyTax portal. This digital transition aims to streamline the filing process and improve compliance.2. Self-Assessment System Implementation Starting this year, a self-assessment system has been introduced for RPGT filings. Taxpayers are now required to compute their tax liabilities accurately. The submitted returns will be considered assessments made by the Director General of Inland Revenue.Real Property Gains Tax (RPGT) Rates for 2025Malaysian Citizens and Permanent Residents:Disposal within 1st to 3rd year: 30%4th year: 20%5th year: 15%6th year onwards: 0%Non-Citizens and Foreigners:Disposal within 1st to 5th year: 30%6th year onwards: 10%Companies:Disposal within 1st to 3rd year: 30%4th year: 20%5th year: 15%6th year onwards: 10%RPGT Exemptions in MalaysiaTo ease the burden on taxpayers, the following exemptions are available:a) Once-in-a-lifetime exemptionMalaysian citizens are eligible for a one-time exemption on gains from the disposal of a private residence.b) Family TransfersProperty transfers between family members (e.g., spouses, parents and children, grandparents and grandchildren) are exempted from RPGT.c) Chargeable Gains WaiverA waiver is available for 10% of chargeable gains or RM10,000 (whichever is higher) per transaction.How to File RPGT in 2025Step 1: Prepare DocumentsSale and Purchase Agreement (SPA)CKHT 1A Form for disposalSupporting documents for deductions or exemptionsStep 2: Access the e-CKHT PlatformLog in to the MyTax portal (https://mytax.hasil.gov.my/) using your Tax Identification Number (TIN). Navigate to the e-CKHT section and complete the necessary forms.Step 3: Submit Within 60 Days Ensure all documents are submitted within 60 days of the property’s disposal. Failure to comply may result in penalties.Why These RPGT Updates Are ImportantThe 2025 updates to RPGT reflect Malaysia’s commitment to modernizing its tax system and improving transparency. The shift to digital filing reduces paperwork, while the self-assessment system gives taxpayers greater autonomy and responsibility over their filings.TL;DR: Key Takeaways for RPGT 2025Starting January 1, 2025Mandatory Online Filing: RPGT filings must now be completed on the MyTax portal via the e-CKHT platform.Self-Assessment System: Taxpayers are responsible for calculating their liabilities.Exemptions: Malaysian citizens enjoy RPGT exemptions on property disposals after six years.Stay ahead of the curve by understanding and adhering to the latest RPGT requirements in Malaysia. For further assistance, consult a licensed tax professional or visit the Inland Revenue Board’s official website.Want to sell your house on time, but you don't know who to go to? Fret not; our professional real estate team can assist you![hubspot portal="5699703" id="85ebae59-f425-419b-a59d-3531ad1df948" type="form"]Continue ReadingNavigating Property Investment: Must-know fees when selling property in Malaysia 2024RPGT exemption sees more secondary market transactionsBudget 2025 Malaysia: RM900 Million For Affordable Housing, Tax Break and More!

你是否厌倦了千篇一律的家居设计？2025年将迎来全新的设计潮流，从色彩运用到智能家居，每一处细节都在重新定义家居美学。无论你追求的是时尚前沿还是舒适温馨，这些趋势都能帮助你打造一个属于未来的家。接下来，让我们为你详细解读2025年的家居设计趋势。2025流行什么家居设计1. 大胆饱和的色彩（Saturated Colors）2. 智能家居技术的全面整合（Smart Home Integration）3. 可持续材料的回归（Sustainable Materials）4. 图案与纹理的叠加（Pattern-Drenching）5. 自然与手工艺的结合（Natural and Handcrafted Materials）6. 曲线与圆润设计（Curved and Organic Shapes）7. 跨季节的设计惊喜（Seasonal Surprises）8. 多功能空间设计（Multi-Functional Spaces）1. 大胆饱和的色彩（Saturated Colors）图片来源：Studio McGee在2025年，柔和的中性色将让位于浓烈的饱和色彩，如深绿色、酒红色和海军蓝等。这些色调为空间注入强烈的个性与活力。比如：客厅设计：墙面采用深绿色背景，与金色灯具搭配，彰显优雅与奢华。卧室设计：选择酒红色床头背景墙，搭配柔软的灰色床品，营造出浪漫的氛围。对比：色彩类型感觉和效果适用空间柔和中性色平静、低调卧室、阅读角落浓烈饱和色强烈、充满活力客厅、餐厅根据《Elle Decor》报道，70%的设计师预计2025年深色调将成为主流。2. 智能家居技术的全面整合（Smart Home Integration）图片来源：Decorilla智能技术已不再是奢侈品，而是现代家居的标配。2025年，智能家居将更加隐形化和便捷化，让空间更高效且科技感十足。比如：语音控制灯光：通过智能灯光系统调整房间亮度与色温。智能窗帘：自动调节光线和温度。厨房智能化：嵌入式智能烤箱，支持远程监控和食谱建议。3. 可持续材料的回归（Sustainable Materials）环保理念持续影响设计行业。设计师倾向于选择再生木材、天然石材和无毒涂料等材料。关键趋势：使用可持续来源的家具，如竹制椅子和再生木地板。将手工制作的陶瓷灯具或回收玻璃装饰品融入设计中。优点分析：材料类型环保性使用寿命再生木材高长久塑料或人造材料低较短《Business Insider》提到，2025年43%的设计项目将包含可持续性要求。4. 图案与纹理的叠加（Pattern-Drenching）图片来源：Studio McGee图案和纹理的混合运用成为新的装饰亮点。设计师通过墙纸、家具和地毯的搭配，让空间层次更加丰富。设计建议：在儿童房使用动物纹墙纸，搭配几何图案地毯。在客厅采用花卉图案沙发，搭配单色墙面。5. 自然与手工艺的结合（Natural and Handcrafted Materials）图片来源：Business Insider自然元素在家居设计中大放异彩。木材、陶瓷和手工纺织品等材料不仅增添了温暖，还体现了工艺价值。应用场景：卧室：使用手工织毯和木质床头柜，展现质朴与舒适。餐厅：采用天然石材餐桌，搭配陶瓷餐具。6. 曲线与圆润设计（Curved and Organic Shapes）图片来源：Forbes柔和的曲线元素在2025年大行其道，尤其是圆形沙发、拱形门窗和弧线装饰。趋势背后：这种设计风格源于人们对温暖和舒适的需求，消除了直线设计的冷硬感。7. 跨季节的设计惊喜（Seasonal Surprises）图片来源：Studio McGee通过在不同季节更换家居装饰，可以让家焕然一新。例如，在冬季使用柔和的绿色与奶油色调，在夏季使用深色花卉。8. 多功能空间设计（Multi-Functional Spaces）图片来源：Decorilla随着空间利用率的提升，多功能设计成为趋势。将书房、健身房与客房合并成一个区域，是现代住宅设计的主流。FAQ1. 2025年的家居设计如何兼顾功能性？选择多功能家具，如可折叠床和隐藏式储物柜。2. 2025年最流行的家居色彩是什么？深绿色、酒红色和海军蓝等浓烈饱和色将成为主流。3. 如何将智能技术融入家居设计？使用智能灯光、语音控制设备以及智能家电等。4. 哪些材料最适合可持续设计？再生木材、天然石材和无毒涂料是最佳选择。5. 曲线设计适用于哪些空间？客厅、卧室和玄关都可以通过曲线设计提升美感。图片来源：Decorilla通过这些2025年的家居设计趋势，你将能够创造出既美观又实用的家。每一个细节都经过深思熟虑，以满足未来家居的需求和审美潮流。您的家园需要专业人士协助您装修？我们能帮到你！赶紧填写下方表格，让我们为您打造不一样的家园设计！[hubspot portal="5699703" id="f817be78-f5ba-4553-8865-58a7a451ce6b" type="form"]延伸阅读：2025年5个装修必备的室内流行色，让你的家温馨惬意又时尚！为什么外国人纷纷选择在马来西亚购置房产？MM2H更新申请条件，门槛再提高，申请人不再获PR身份！【内附外国人买房全攻略】

You have been wanting to own a home for some time. Now, you hear that a new property area is being developed in the location you’ve always dreamed of.  It’s near your workplace, with charming cafes nearby and easy access to shopping centers and public transport.  However, there is a challenge: the houses are still being built and are only in the early stages. Heavy construction is ongoing, and the completion date is unclear.  This leads to a dilemma: “Should I go ahead and put down a deposit on this new property, even though I’m unsure of what it will eventually look like? Should I take a leap of faith and invest despite the uncertainty?” Understand that investing in under-construction homes can offer both attractive opportunities and significant risks, as they come with uncertainties that need to be carefully considered. Here’s what you should know before investing in a home that is still under construction.  Pros & Cons: Investing in Under-Construction PropertyThe Good Side  1. Lower Purchase Price  2. Customization Potential  3. Higher Returns  4. Less Competition  5. Improved Market Value Post-Completion  The Bad Side  1. Higher Risk of Abandonment  2. Uncertainty Around Completion Timeline  3. Quality and Safety Concerns  4. Legal and Compliance Risks  5. Market Risks and Uncertain Resale Value  Mistakes To Avoid  1. Neglecting Inspection  2. Underestimating Completion Costs  3. Not Verifying Legal and Compliance Status  4. Ignoring Market Conditions  5. Fail to Plan Ahead  The Good Side 1. Lower Purchase Price Investing in an under-construction home or semi-complete home can be particularly appealing due to the possibility of a lower purchase price.  Since the property isn't fully finished, developers or sellers might provide substantial discounts, allowing buyers to secure real estate for much less than a fully completed home. For under-con properties, you usually just need to cover the booking fee, which can range from around RM 1,000 to RM 15,000. (Of course, this can change based on market trends each year.) Those looking to enhance their return on investment (ROI), this presents a great opportunity, as the lower upfront cost can result in greater profit margins when the home is eventually completed and either sold or rented out. 2. Customization Potential  When buying an under-construction home, buyers usually have a say in the final design and finishes.  This includes selecting flooring materials, paint colours, kitchen and bathroom fixtures, or even altering the layout to meet specific needs!  For homeowners, it’s a great opportunity to shape a property that matches their style without having to build from the ground up, especially if the existing structure is already close to what they envision. 3. Higher Returns Investing in a property that's still being built can often lead to better returns because there's a longer gap between when you buy it and when it's ready.  If you decide to sell once you get the Occupation Certificate, you could see a nice increase in the value of your investment. 4. Less Competition There may be less competition for semi-completed homes or homes that are still under construction, compared to fully finished properties, as many home seekers are wary of purchasing homes that aren’t finished, fearing hidden issues or prolonged timelines. This lower demand can give investors a stronger position to negotiate, helping them snag better deals! 5. Improved Market Value Post-Completion This is a big plus for anyone looking to get into the rental business!  When the house is finally completed, its market value can really shoot up, especially if it’s in a growing neighbourhood. You can boost its value with updates and changes that align with what buyers want today. Often, the increase in value from completing a home can be greater than the original investment. The Bad Side 1. Higher Risk of Abandonment  Investing in a project that is still under construction carries some level of risk.  There have been instances where builders failed to meet deadlines or worse, completely abandoned the property project. This can happen for a variety of reasons, including financial difficulties, rising costs of construction materials, and increased interest rates.  Therefore, it's imperative to do detailed research on the builder's background before making any investment in an under-construction project. (If you're already dealing with the monthly interest that keeps piling up, you better hope that the developer doesn't suddenly ghost and flee away with your cash).  2. Uncertainty Around Completion Timeline Although the idea of owning a ‘brand-new’ home is exciting, the timeline for its completion can often be uncertain.  Delays may arise from contractor schedules, funding challenges, or permit issues. This unpredictability can affect financial forecasts and result in higher carrying costs, including mortgage payments, insurance, and property taxes. 3. Quality and Safety Concerns Not every home is constructed with the same level of quality, and there could be hidden issues with the building.  It's wise to verify that the construction company provides truthful outcomes and adheres to local building codes. Bad construction can result in expensive repairs and safety risks, particularly if shortcuts were taken during the original build.  Inspect and evaluate the property before agreeing to purchase, as unseen problems could lead to significant risks later. 4. Legal and Compliance Risks Which leads to the next point, which is potential expose to legal complications.  If the property is not properly permitted or does not meet local zoning laws, you may find yourself dealing with legal disputes, fines, or forced renovations to bring the home into compliance.  Additionally, there could be outstanding issues with contractors that could complicate the transfer of ownership.  Again, double check the property’s legal standing and ensure that all permits and approvals are in place before investing in under construction homes.  5. Market Risks and Uncertain Resale Value While a new construction home may offer potential for increased value once finished, the real estate market can be unpredictable.  The property’s value may not appreciate as expected, especially if the market experiences a downturn or if the home’s location becomes less desirable over time.  If you are planning to sell the home after completion, there is always a risk that the final resale value will not justify the investment made in completing the home.  Furthermore, changes in market conditions during the construction period—such as a shift in buyer preferences or an increase in interest rates—can impact the sale price.  Mistakes To Avoid 1. Neglecting Inspection One of the biggest mistakes you can make is neglecting a thorough inspection of the semi-completed home.Simply assuming that everything is in order because the property is “almost finished” can lead to costly surprises.  Always hire a professional inspector who can assess the structural integrity of systems like electrical, plumbing, HVAC and others.  2. Underestimating Completion Costs It's common to underestimate the expenses involved in completing a home, leading many investors to miscalculate the total costs.  To avoid this mistake, get detailed quotation from contractors and professionals who can help you assess the total cost of finishing the construction.  Add a buffer for unforeseen expenses to ensure you’re financially prepared.  Consider: The total cost you need to cover, the 10% down payment, legal fees, rebates, cashback, and other hidden inspection, all of these are often hidden in the selling price and may be added to your mortgage loan. 3. Not Verifying Legal and Compliance Status Never assume that the property is in good legal standing simply because it’s ‘under construction’.  Always verify that the necessary permits and zoning requirements are in place. Make sure the previous owner or developer hasn’t left any unresolved legal issues.  Doing this will help you avoid costly legal battles or the need to redo work to meet code requirements. 4. Ignoring Market Conditions Even if a semi-complete home seems like a bargain, don’t forget to consider the broader market conditions.  In some markets, the value of a property may not increase significantly after completion, or the cost of finishing might outweigh the potential profit. Always conduct a thorough market analysis before purchasing to ensure that your investment will yield a positive return.  5. Fail to Plan Ahead  If the property is delayed in terms of completion or if you’re facing long construction timelines, make sure you’ve planned your finances accordingly.  Anticipate potential holding costs, such as loan repayments, insurance, and property taxes, and ensure you have the liquidity to cover these expenses during the construction phase. Investing in an under-construction home can offer enticing opportunities, but it also presents significant risks.Uncertainty around completion timelines, unexpected costs, quality issues, financing difficulties, legal complications, and fluctuating market conditions can all turn a seemingly profitable investment into a challenging and costly endeavor.  As our IQI Agent from AG Group, Putera Amirul Haziq suggestsed, home investors should conduct thorough due diligence, carefully assess the property’s condition, and look for potential risks to ensure they are making a sound financial decision. View this post on Instagram A post shared by IQI (@iqiglobal)Considering investing in real estate but unsure where to begin? At IQI, we provide comprehensive assistance, from locating a great property to helping you secure your ideal home. Contact us today! [hubspot portal="5699703" id="f817be78-f5ba-4553-8865-58a7a451ce6b" type="form"]

Version: EN, BM奶油风、现代风、Muji风、极简风…… 对这些室内设计颜色已经失去了新鲜感？来到全新的一年，很多人都开始忙着布置家里或重新粉刷，让家里以全新的面貌迎接2025年！但是市场上有太多室内颜色，若想要时尚潮流又新颖的颜色，以下建议5款室内设计颜色，让你的家里增添优雅简约，又不失温暖的感觉！阅读内容：1. 摩卡慕斯（Mocha Mousse ）2. 金杏色（Golden Apricot ）3. 金盏黄（True Joy ）4. 柠檬黄（Lemon Blast ）5. 夕阳珊瑚（Sunset Coral ）1. 摩卡慕斯（Mocha Mousse）说到摩卡，你是不是想到这是一款很深的棕色，担心刷在家里会缩小空间，而且整个屋子都很暗？这是国际色彩权威机构潘通（Pantone）最新公布的“2025年度代表色”，是一款带点红色和橙色的中深棕色调。照片取自Pantone官网如果用作室内设计颜色，能为家中带出一种温馨舒适、优雅精致的感觉，因此不用担心“摩卡慕斯”的色调太深。如果还是担心整个房子刷上“摩卡慕斯”色调会显得房子太暗或是太单调，当然也能搭配以下颜色：奶油白、米色：打造温暖柔和自然系深棕色、黑色：沉稳高级风格薄荷绿、浅绿色：呈现清新风格2. 金杏色（Golden Apricot）其实在潘通（Pantone）正式宣布“2025年度代表色”前，温暖极简的金杏色是被称为“2025年居家空间”的热门流行色。这种颜色散发出独特、温暖不耀眼，但同时又带点金色光泽的木色调，能为室内空间创造宁静舒适的感觉。照片取自搜狐要是觉得“摩卡慕斯”的色调太深，担心会造成室内空间太暗，那么温暖舒适的金杏色将会是不错的选择。此外，金杏色搭配不同的颜色，还能为空间创造出不同的感觉与氛围：柔和米色、温暖白色、大地色：自然温暖、宁静和谐，为空间创造同色系的层次感。橄榄绿、薄荷绿、淡黄绿、晴空蓝、海洋蓝：明亮和复古的结合，为空间注入活力氛围。美拉德深棕色：为空间增添醇厚的艺术氛围，充满复古的感觉。3. 金盏黄（True Joy）想要为墙面换上新颜色，当然要“听取”装修行业的专业建议！由油漆品牌公司Dulux公布的“2025年度流行色”——金盏黄，是一种明亮的黄色，大胆活泼的色彩，能为室内空间增添愉悦感。照片取自Dulux官网当墙面粉刷上这款明亮的金盏黄色，不仅仅让空间看起来明亮宽敞，当阳光照进家中时，整个空间也更加温暖柔和、充满活力。不过，由于金盏黄的颜色过于明亮，可能有些人担心整个房子会过于鲜艳。因此，一般上只刷在一面墙、用作主题墙或刷在门框和窗框作点缀。至于其他颜色搭配，不妨考虑以下几种颜色：深蓝色、浅蓝色：平衡高饱和的黄色，为室内增添高级和舒适感。原木色、浅棕色、米色：为Muji风增添亮点，打造自然温馨的空间。姜黄色、橄榄黄：为空间营造温馨、舒适和惬意的氛围。4. 柠檬黄（Lemon Blast）除了全球Dulux公司公布的“2025年度流行色”，澳洲Dulux也发布了“2025年色彩趋势”，其中一款颜色就是“柠檬黄”。比起“金盏黄”的高饱和明亮色调，柠檬黄则相对柔和、欢快，给人一种舒适轻松的感觉。照片取自澳洲Dulux官网尤其粉刷在天花板上，就像是一缕柔和温暖的阳光全天候照进家里，营造出空间的舒适感，也有助于缓解日常压力。而墙面的颜色搭配，以下颜色都是非常推荐的：松石绿：为整个空间营造自然清新、温暖氛围。黄绿色：增添轻松愉快的舒适感。橙粉色、赤土色：营造活力俏皮的空间、轻松愉快的氛围，适用于小孩的房间。5.夕阳珊瑚（Sunset Coral）亮红色当室内空间颜色，你是不是觉得太显眼、太夸张，甚至觉得太“俗”了？但很意外地，鲜艳亮红的夕阳珊瑚（Sunset Coral）被色彩趋势预测WGSN和色彩专家Coloro列为2025年室内空间的流行色。照片取自澳洲Dulux官网当然，比起鲜艳抢眼的亮红色，“夕阳珊瑚”的红看起来温暖、刚柔并济，营造出一种欢快的氛围。但如果粉刷在整面墙的话，这种红色还是会给人一种夸张的感觉，因此建议用于点缀，或是作为软装搭配，如窗帘、枕头、沙发等。颜色搭配方面，建议：珊瑚粉：为空间带出颜色层次感，并增添舒适温暖氛围。柔白色：红白经典搭配，突出室内空间的红色，营造愉快氛围。姜黄色：为充满复古的空间增添一些活力与亮点。纵观2025年室内设计流行色，不难发现它们都属于暖色系，能营造自然柔和、温暖惬意的氛围。如果用于家里的墙色，想象每天下班回家，打开门后映入眼帘的就是温馨放松的空间，一整天的疲惫和压力瞬间消失！打算重新翻修的你，不妨从中选出自己心仪的颜色，为家里换一个全新的风格吧！如果你看了2025年的室内设计流行色后，让你也心动想要拥有自己的家，不妨联络IQI的房地产中介吧！IQI旗下的专业房地产中介接受专业的培训，能提供你专业和全面的买房建议，帮助你找到适合你的房子！[hubspot portal="5699703" id="85ebae59-f425-419b-a59d-3531ad1df948" type="form"]延伸阅读：马来西亚装修房子要花多少钱？最低预算竟然要RM70k！2024年5种最流行的室内设计装修风格，看看哪一个更深得你心？装修找谁做？马来西亚11家室内设计公司