Buying a First Home

Buying your first home is a sequence of decisions, and the order matters. This category helps first-time buyers work out what they can afford, which incentives may apply, and what each stage of a purchase commits them to, before any money changes hands.

Three things trip up first-time buyers most often. The first is committing to a unit before checking eligibility, only to find the financing does not cover it. The second is counting on an incentive (such as a stamp duty exemption) without checking its conditions and end date. The third is confusing a registration of interest, a booking and the SPA (the Sale and Purchase Agreement), which carry very different obligations. At RumahHQ, Daftar Minat is free, non-binding and reserves no unit; the SPA is the binding contract.

Work through these guides in order: eligibility, incentives, then the purchase stages. Each one lists what to prepare, a worked example and the mistakes to avoid.