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my apartment strata title are expected to be issued next month (June). I have a few questions

1) upon issuance of strata title, do I have to pay up the cost (MoT/perfection of transfer) immediately?

2) if not, how much time do I have to pay up?

3) if immediately, what if i cant afford it? bank loan allowed? i dont think we are capable of paying thousands of ringgits soon as we are preparing for our baby arrival in June as well.

3) and i'm a first time house purchase, so i am eligible for 50% exemption of ad valorem stamp duty right? to whom shall i check for the approval?
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