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I'm 25 years old and my boyfriend is 30 years old. We would like to buy a new house. The point is I've already property which is share 50% with my sibling. I would like to buy a new house with my boyfriend as our newlyweds house. My current saving around RM18k and my boyfriend is working with his father. I would like to withdraw my epf money to buy a house too. Mean saving + epf. How much should I prepare for down-payment?
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<en>David</en> <en>Wong Lai Kwong</en>
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If you are buying a ready property in the secondary market (resale), you may get 85% to 90% as the loan margin subject to your joint income. That means you need to prepare 10-15% of the property value as down payment. Other additional charges you will incur are 1% to 4% for purchaser's stamp duty and another 0.5% to 1% for legal fees for SPA and an equivalent 0.5% to 1% for Loan Agreement.
If you are purchasing from a primary market (developer's units), the developer may absorb the legal fees.
David Wong E2097
Mobile: +60193330573 
QUANTUM REAL ESTATE - E(3)1320 Maklumat lanjut
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<en>Marilyn</en> <en>Khor</en>
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