About Real Numbers — KL Property Finance by @k3vrealestate
Malaysian property and personal finance — with real, verified numbers. Hosted by Kevin Teh, a financial products investor and a real estate negotiator based in Mont Kiara, KL. New episode every week.
Budget 2027 for Carers: Parents' Care Relief and the Care-Home Tax Cut
Looking after Mum and Dad? Budget 2027 has two proposals for carers. Kevin explains what the RM8,000 parents' care relief covers today, what Budget 2027 proposes from YA2027, and the elderly care service tax change from 1 January 2027. In this episode: What the RM8,000 parents' care relief covers todayThe YA2027 proposal: all care types, no doctor's certificationWhat the relief is worth at 18% and 24%Elderly care service tax from 1 January 2027: 8% to 6%, fees up to RM96,000 exempt at registe...
23 Oct 2026
What a Real Financial Planner Must Do: The FPAM 6-Step Process
A 40-minute meeting that ends with a policy to sign is not a financial plan. The Financial Planning Association of Malaysia (FPAM) sets out a six-step process its certified planners are expected to follow. Kevin walks through each step, and the question that tells a plan from a pitch. In this episode: Steps 1 and 2: the relationship and your full dataStep 3: analysing your real situationStep 4: recommendations, not productsSteps 5 and 6: implementation and monitoringHas anyone ever done steps...
23 Oct 2026
First Home Stamp Duty 2027: Why Your SPA Date Matters
Your SPA date could change the stamp duty on your first home. Kevin explains how transfer stamp duty is worked out in slices, today's first-home exemption up to RM500,000, and Budget 2027's proposed band up to RM750,000 for SPAs signed from 1 January 2027. Proposed until the exemption order is published. In this episode: How transfer stamp duty is worked out in slicesToday's first-home exemption up to RM500,000The proposed band up to RM750,000 for SPAs from 1 January 2027Worked examples at RM...
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