First-time buyer in KL — what I wish I knew before signing the SPA
Ahmad Razif
6 Mar 2026
1. Get your loan pre-approved FIRST — Agents won't take you seriously otherwise. I wasted 3 months viewing units I couldn't qualify for.
2. Legal fees are not negotiable — RM450k condo = roughly RM7,000-8,000 in legal fees alone.
3. The 10% downpayment is just the start — Budget another 3-4% for MOT, stamp duty, and legal costs.
4. Defect liability period is 24 months — Document everything with photos on key handover day.
Hopefully this helps someone else!
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