Malaysia 🇲🇾

WTF do I need for X?

Clean, accurate checklists and step-by-step guides for Malaysian bureaucracy. No more hunting across 10 government sites.

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Try searching for: property, bank, car, tax, passport, marriage, will, PTPTN

🏠 Property & Housing

Buying Your First Property POPULAR

SPA, loan docs, stamp duty, lawyer fees, MOT — the full timeline from offer to key collection.

3–12 monthsComplex

Checking Your Credit Score (CCRIS & CTOS) NEW

Free CCRIS via eCCRIS (RM1 refundable). Free CTOS twice a year. What lenders see, how to read your report, and how to dispute errors.

FreeBefore any loan

Applying for a Home Loan

Eligibility (DSR, CCRIS), required documents, bank rates, MRTA vs MLTA, lock-in periods, and first-time buyer schemes.

2–8 weeksEssential

First Home Buyer Schemes (MyDeposit & More)

MyDeposit is suspended — here's what it was and which schemes are active in 2026: SRP (100% financing), PR1MA, Residensi Wilayah, Rumah Selangorku, and stamp duty exemptions.

VariesFirst-time buyers

Residensi Wilayah (RUMAWIP): Affordable Housing in KL/WP NEW

How to apply for subsidised housing in Wilayah Persekutuan via ballot. Eligibility, required documents, the ballot process, and what happens after you're selected.

RM63k–RM300kWP residents

Renting Your First Apartment NEW

Tenancy agreement, deposits, stamping, landlord rights, inventory check — everything before you sign.

2–4 weeksModerate

Home Broadband Comparison NEW

Unifi vs TIME vs Maxis vs CelcomDigi vs Yes — every plan, every price, and which one to actually pick for your home.

RM89–RM379/monthEasy decision

New vs used, hire purchase loans, JPJ ownership transfer, PUSPAKOM inspection, insurance, and road tax.

1–3 days transferManageable

💰 Money & Finance

Touch 'n Go eWallet Complete Guide NEW

How to register, top up, complete eKYC, and increase your wallet limit. Paying bills, sending money, and what to do if you lose your phone.

Opening a Bank Account

Maybank, CIMB, Public Bank — which to choose, documents needed for citizens and foreigners, and setting up DuitNow.

Applying for a Credit Card NEW

BNM income rules, CCRIS explained, popular cards compared, and how to avoid the minimum payment trap.

1–2 weeksModerate

Filing Your Tax Return (LHDN) POPULAR

e-Filing via MyTax, Form BE, reliefs checklist, deadlines, and how to avoid late penalties.

Deadline: 15 MayEasy (once set up)

Applying for a PTPTN Loan

Eligibility, income tiers, disbursement, repayment rules — and the 20% early repayment discount you should know about.

2–6 weeksManageable

Repaying Your PTPTN Loan NEW

When payments start, income-based installments, 20% settlement discount, deferral for unemployed, JomPAY code, and how to clear arrears.

OngoingMust Know

EPF (KWSP) Complete Guide NEW

3-account structure explained, contribution rates, Akaun Fleksibel withdrawals, housing/education/medical withdrawal, nominations, and dividends.

LifetimeEssential

Applying for a Personal Loan

Compare rates from Bank Rakyat, Maybank, CIMB, RHB and more. Flat vs effective rate explained, DSR, CCRIS, documents needed, and step-by-step application.

1–7 daysCalculator Included

KWSP Akaun Fleksibel Withdrawal

How to withdraw from EPF Akaun Fleksibel (Akaun 3). i-Akaun steps, minimum RM50, once per month, 1–3 day processing — and the real retirement cost of cashing out.

1–3 business daysNo docs needed

Claiming Your Income Tax Refund

How to check your LHDN refund status on MyTax, update your bank account, why refunds are delayed, and your right to 2% compensation if LHDN is late.

30 working daysAutomatic

Zakat and Income Tax Rebate

Zakat paid to an authorised body gives a 100% tax rebate — not just a relief. How to claim it in Part G of Form BE, which zakat types qualify, and the common mistakes.

2.5% of net income100% rebate

How to Read Your EA Form (Borang EA)

What every section of your Borang EA means and where each figure goes in your Form BE e-Filing. Common mistakes, multiple EA forms, and what to do if yours is wrong.

Tax seasone-Filing guide

👨‍👩‍👧 Personal & Family

Getting Married (Non-Muslim)

JPN registration, the 21-day notice period, documents, and the difference between civil and religious ceremonies.

21+ daysStraightforward

Getting Married (Muslim)

Jabatan Agama Islam, kursus kahwin, wali, mas kahwin, state-by-state differences, and the full registration process.

1–2 monthsVaries by state

Registering a Newborn

Hospital registration counter, JPN walk-in, 14-day hospital deadline, naming rules, MyKid application, and late penalties.

Within 14 daysEasy at hospital

Making a Will in Malaysia NEW

Wills Act vs Faraid, DIY vs lawyer-drafted, EPF nominations, and what happens if you die without a will.

PR & MM2H in Malaysia NEW

Permanent residency via marriage or employment, and the MM2H retirement visa — eligibility, costs, and realistic timelines.

1–5 years (PR)Complex

💼 Career & Business

Starting a Sdn Bhd

SSM registration, company secretary, Constitution, share capital, and opening your first business bank account.

1–5 daysManageable

Hiring Your First Employee

SOCSO, EIS, HRDF, PCB — all the statutory registrations you must complete and when to do them.

Within 30 daysDon't skip this

Registering a Sole Proprietorship NEW

SSM EzBiz registration, business name, fees, tax obligations — the cheapest way to start a legal business in Malaysia.

Same dayRM30–60/year

Resigning From Your Job

Notice periods, final pay rules, EIS SIP unemployment claim, EPF access, Form CP21, and a clean handover checklist.

Varies by contractRead before you quit

Claiming SOCSO (PERKESO)

Workplace injury claims, EIS SIP unemployment payouts after retrenchment, invalidity pension, and panel clinic access.

48h to reportEIS: 60-day window

PeKa B40: Free Health Screening & Medical Aid NEW

Free blood tests and health screening for STR recipients aged 40+. Up to RM20,000 in medical device assistance and RM1,000 cancer incentive — no registration needed.

MySalam: Free Government Insurance (B40)

Free takaful for B40 Malaysians — RM8,000 for 50 critical illnesses, RM50/day hospitalisation. How to check if you're enrolled and how to claim.

Free — no signup neededRM8,000 payout

🪪 Government & Documents

Renewing Your Passport POPULAR

JPN online vs walk-in, documents needed, fees, processing time — for adults and children.

Replacing a Lost or Damaged MyKad

Police report, JPN walk-in, fees (RM110 lost / RM100 damaged), and how to get a temporary identity letter.

1 working dayStraightforward

Getting Your Motorcycle Licence (B2 & B)

B2 vs B licence, PDL, KPP theory test, JPJ circuit and road test, costs, P licence rules, and upgrading to full B.

1–3 monthsFrom RM500

Getting Your Driving Licence (P → Full)

Driving academy, PDL, KPP theory test, JPJ practical test, P licence rules, and how to convert to full licence.

2–3 monthsMultiple stages

Claiming Car Insurance After an Accident

OD vs TP claims, NCD impact, panel workshops, MIB for uninsured drivers — what to do at the scene and after.

1–8 weeksModerate

Renewing Road Tax & Car Insurance

Annual renewal step-by-step — MyEG, MyJPJ app, or post office. Road tax rates by engine size, NCD explained, what to do if yours has lapsed.

30 min onlineEvery year

Renewing Your Driving Licence

Renew via MyJPJ app, JPJ counter, or Pos Malaysia. Fees by licence class, what happens if expired over 3 years, P licence rules, and pro tips.

15 min onlineEvery 3–5 years

How to Become a Grab Driver

PSV licence (Lesen PSV), Puspakom B2 inspection, e-hailing insurance endorsement, Grab registration steps, and how much you can realistically earn.

2–6 weeks processGig income

Malaysia Public Transport Guide

LRT, MRT, KTM Komuter, Monorail, and Rapid KL Bus — fares, Touch 'n Go card, PULSE monthly pass, student/senior concession cards, and journey planning.

Touch 'n GoSave with PULSE pass

What to Do After a Car Accident NEW

Step-by-step: what to do immediately after an accident, when to call police, how to file a report, claim insurance, protect your NCD, and handle hit-and-run.

InsurancePolice report

Dispute an LHDN Tax Assessment

Disagree with your LHDN Notice of Assessment? File Form Q within 30 days. Grounds for appeal, documents needed, step-by-step submission, and what happens if you miss the deadline.

Renting Out a Room Legally NEW

Tenancy agreement, stamp duty at LHDN, income tax declaration, deposit rules, tenant rights — everything a Malaysian room landlord needs to know.

Buying a Second-Hand Car

Check outstanding loans, PUSPAKOM B5 inspection, JPJ ownership transfer, hire purchase loan — everything you need to buy a used car safely in Malaysia.

File a TTPM Consumer Tribunal Claim NEW

Got cheated or sold defective goods? TTPM lets you claim up to RM50,000 with a RM5 filing fee — no lawyer needed. File online via eTTM. Step-by-step guide.

DisputesHigh urgency

My Contractor Went Dark — What To Do

Contractor took your deposit and disappeared? Police report, TTPM tribunal (RM5 fee, up to RM50k claim), CIDB complaint, and civil action — every step from evidence to enforcement.

DisputesHigh urgency

Missed PTPTN Payment?

What happens when you miss PTPTN payments — blacklist, travel ban, EPF block — and how to fix it: pay arrears, apply for deferment, or restructure your loan.

PTPTNStudent loan

Internship Rights Guide

Minimum allowance, SOCSO coverage, working hours, leave entitlement, and what to do if your company mistreats you — your rights as a Malaysian intern.

Freelancer Invoicing Guide

What to put on a freelance invoice, SST thresholds, e-Invoicing rules, income tax for freelancers, and how to chase late payments.

Toll Roads & Highway Guide

SmartTAG vs RFID sticker — what to use, how to install RFID, major highway toll rates, PLUSMiles rewards, and what to do if overcharged.

RFID freePLUSMiles savings

⚠ Disclaimer: These guides are for informational purposes only and are not legal or financial advice. Fees, procedures, and regulations change. Always verify with the relevant government body before proceeding. Last reviewed: March 2026.