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Version: BM Some career decisions are not made in meeting rooms. They are made quietly. Late at night.Between doubts.Between “what if” and “what now”. If you have ever searched “how to become a real estate agent in Malaysia”, chances are you are not just curious. You are considering change! Before you step into a real estate agent career in Malaysia, there is one story you should hear. View this post on Instagram A post shared by IQI (@iqiglobal) Table of contentsWhy Real Estate Remains an Open Opportunity in MalaysiaThe Challenges Many Faces in Career TransitionsFrom Journalism to Real Estate Success: The Story of Natasha GideonWhat Natasha’s Journey Teaches About Career ReinventionWhat It Actually Takes to Succeed as a Real Estate Agent in MalaysiaHow to Start a Real Estate Career in Malaysia Why Real Estate Remains an Open Opportunity in Malaysia Unlike professions that demand specific degrees or years of industry certification, becoming a real estate agent in Malaysia follows a structured yet accessible pathway. You do not need a property-related academic background. You need: Registration under a licensed real estate agency Official Real Estate Negotiator status Required training Commitment Malaysia’s property market continues to generate transactions across residential, subsale and investment segments. As long as people buy, sell and upgrade homes, agents remain relevant. Real estate is not limited by corporate hierarchy. Income is performance-based. For many, that is both the attraction and the fear. The Challenges Many Faces in Career Transitions Changing careers is rarely comfortable. The biggest challenge is not learning something new. It is leaving something familiar. Fixed salaries provide stability. Commission-based careers provide possibility. But possibility comes with uncertainty. New agents often struggle with: Irregular income in early months Rejection from prospects Doubt from friends or family Self-doubt The first year is less about talent and more about resilience. Those who stay consistent build momentum. Those expecting quick results often leave too early. From Journalism to Real Estate Success: The Story of Natasha Gideon Before becoming a recognised real estate agent in Malaysia, Natasha Gideon was a journalist covering the property industry. Through interviews with developers and negotiators, she observed how successful agents built their careers. Over time, she realised that long-term success in a real estate agent career in Malaysia was not about being the loudest — it was about discipline, follow-up and consistency. Eventually, she made a decision that many consider but few execute. She left a fixed salary to enter commission-based real estate. @natashagideon This page started in 2019 and I’ve been posting a lot since then. Here’s just a reminder of who I am and what I do #hartanahmalaysia #realestate #realestatejourney #teammjk #mariejualkondo ♬ original sound - MarieJualKondo The early months were challenging. There were viewings that did not convert and periods without commission. Instead of losing confidence, she focused on professionalism and structured follow-up. Within three weeks of handling one of her early subsale cases, she secured the deal! @natashagideon Thanks for having me @HITZ. What a blast with @Keanu Azman and my twin @ili ♬ original sound - songs n lyrics Nine years later, Natasha is now a team leader within IQI. Her journey was not built on luck, but on consistency, resilience and operating within a structured real estate platform. What Natasha’s Journey Teaches About Career Reinvention Her story reveals several truths about becoming a real estate agent in Malaysia. First, background does not determine success. She transitioned from journalism into property sales. Second, the early stage is emotionally demanding. Not because the industry is unfair, but because momentum takes time. Third, consistency compounds. Natasha did not rely solely on transactions. She began sharing educational property content under the name 'MarieJualKondo' long before digital branding became common among agents. I’m motivated by challenges. I’ve always understood the income potential that comes with being a REN and real estate negotiator, and I genuinely enjoy building my earnings! In a 9-to-5 job, even if you give 200 percent effort, your salary stays the same. But in real estate, when I put in 200 percent effort, my income can grow just as fast! Natasha Gideon There was no viral breakthrough. There was repetition, structured explanations and steady content creation. Over time, credibility accumulated, media recognition followed and leadership opportunities expanded. Career reinvention, especially in real estate, is rarely dramatic. It is disciplined and cumulative. What It Actually Takes to Succeed as a Real Estate Agent in Malaysia A sustainable real estate agent career in Malaysia depends on behavioural consistency. It rewards daily prospecting, systematic follow-ups, relationship management and emotional regulation during rejection. It does not reward impatience. Success during the first year often depends on three factors: surviving income fluctuations, committing to daily outreach activity and choosing structured mentorship. Operating under an established agency such as IQI provides compliance support, training systems, brand credibility and access to experienced leaders. While structure does not eliminate effort, it significantly reduces confusion and accelerates early learning. How to Start a Real Estate Career in Malaysia If you are serious about becoming a real estate agent in Malaysia, the pathway is clear: Join a licensed real estate agency Register as a Real Estate Negotiator Complete required training Operate under supervision The mechanics are straightforward. The mindset is the real decision. Is This the Right Path for You? Ask yourself honestly: Can you operate without guaranteed income initially? Are you willing to stay consistent even when results are delayed? Do you want growth without ceiling? Real estate in Malaysia remains one of the few industries where effort directly impacts income trajectory. Natasha once wrote about Malaysia’s property market. Today, she shapes it. The opportunity remains open. The real question is whether you are prepared to commit to it. At IQI, we provide the platform, training and mentorship to help you grow faster. Join Natasha’s team and build your real estate career in an environment designed for performance, progression and real results. [custom_blog_recruit_form] Continue Reading: What are the Benefits of Joining IQI Global as a Real Estate Agent? From Engineer to Top-Selling Real Estate Agent: How One Failure Can Bring You Closer to Years of Success Are You a -P or -J MBTI Personality Type? Unleash Your Hidden Talent as a Real Estate Agent Based On Your Type!

Malaysia’s Ringgit recently strengthened to around RM4.20 to RM4.30 against the USD, marking one of its strongest levels in years. Bank Negara Malaysia has maintained the OPR at 3.00 percent, signalling stability. Inflation has moderated compared to 2023 peaks. On paper, the economy looks healthier. In daily life, it doesn’t feel that way. Groceries are still expensive. Eating out costs more. Property prices have not softened meaningfully. For Malaysians aged 23 to 45, this is not just economic theory. It is lived reality. This is the Malaysian purchasing power paradox of 2026. Navigating the 2026 Housing and Survival Gap in Malaysia1. Why a Stronger Ringgit Has Not Lowered Your Cost of Living2. The RM1,700 Minimum Wage and Wage Compression3. Property in 2025: Buy or Rent First?4. Rental Yield Reality Check5. The Side Hustle Question: Survival or Strategy?6. What Should Malaysians Aged 23 to 45 Do in 2026?The Bottom LineFAQs 1. Why a Stronger Ringgit Has Not Lowered Your Cost of Living In theory, a stronger Ringgit should reduce import costs. Malaysia imports food inputs, wheat, corn feed, machinery and consumer goods. When the currency strengthens, these should become cheaper. But three realities delay the impact: 1.1 The Lag Effect Many businesses secure raw materials using forward contracts months earlier at weaker exchange rates. Retail pricing reflects old costs, not today’s currency strength. Currency recovery does not mean instant price cuts. 1.2 Sticky Operational Costs Even if import costs ease, the following remain elevated: Electricity tariffs Rental for commercial units Logistics and warehousing Labour costs Once prices move up, they rarely move down unless there is deflation. 1.3 Wage Adjustments Minimum wage increased to RM1,700 effective 2025. This is positive for B40 households. However, for small businesses and F&B operators, higher wage bills often translate into higher menu prices. Key Insight A strong Ringgit protects the economy from worsening inflation. It does not automatically reverse past price increases.r the individual, it mostly acts as a shield to prevent prices from rising even faster. 2. The RM1,700 Minimum Wage and Wage Compression The minimum wage increase from RM1,500 to RM1,700 narrows the gap between entry-level workers and lower-tier executives. For M40 earners between RM5,000 and RM10,000 monthly, this creates a subtle pressure: Entry-level salaries rise Your salary may not adjust Cost floor of services increases This is called wage compression. The result is psychological and financial. You are not struggling enough to receive subsidies. But you are not earning enough to feel secure. That middle pressure defines the 2025 Malaysian professional. 3. Property in 2025: Buy or Rent First? This is where finance meets real life. According to NAPIC data, residential property prices continue gradual growth. In Klang Valley, many new high-rise projects still transact between RM500,000 and RM800,000 for mid-range units. Meanwhile, national rental yields average around 4 to 6 percent gross. Let’s compare realistically. Scenario Comparison: Own vs Rent (RM500,000 Condo) CategoryBuyRentDownpayment 10%RM50,000RM3,000 depositMonthly mortgage at 3.00% OPR linked loanApprox RM2,200RM1,700 rentMaintenance + sinking fundRM300 to RM400RM0FlexibilityLowHighLiquidityLocked in propertyCapital preserved Observation: In many urban locations, renting costs less than owning on a monthly basis. When Buying Makes Sense You plan to stay at least 5 to 7 years Monthly instalment is below 30 percent of take-home pay You qualify for stamp duty exemptions extended to 2027 You use SJKP if needed for financing support When Renting First Is Smarter You value mobility You are uncertain about career location You want to build emergency savings You prefer liquidity over leverage In 2025, renting is not financial failure. It is strategic patience. Before committing to ownership, review current first time home buyer schemes in Malaysia. 4. Rental Yield Reality Check Gross yield of 4 to 6 percent does not equal profit. You must deduct: Maintenance fees Sinking fund Agent fees Vacancy period Repairs Assessment and quit rent Net yield can drop significantly. If cash flow is tight, becoming a landlord may increase stress rather than security. Investors should also evaluate the average rental yield in Malaysia before expecting positive cash flow. 5. The Side Hustle Question: Survival or Strategy? Surveys show more Malaysians are taking on: E-hailing Delivery Freelance digital work Small online businesses But here is the truth many feel: It is not for luxury. It is for breathing room. Instead of trading time endlessly, focus on skill-based income: Digital services Design Marketing Coding AI-assisted freelancing A stronger Ringgit slightly reduces subscription costs for global software tools. Use currency strength strategically. Income resilience is more powerful than waiting for prices to fall. 6. What Should Malaysians Aged 23 to 45 Do in 2026? 1. Protect Cash Flow Keep total debt repayment below 40 percent of income. Housing ideally below 30 percent. 2. Build a 6-Month Emergency Fund Before committing to a mortgage. 3. Buy Property Based on Math, Not FOMO Instagram key handovers are curated moments. Mortgages are 30-year commitments. 4. Track Policy Changes Watch: 2025 Budget implementation Targeted subsidies OPR movements Stamp duty exemption timelines Policy timing matters in property decisions. The Bottom Line A strong Ringgit improves Malaysia’s macro story. But only strong personal cash flow improves your life. Economic recovery is national. Financial security is personal. FAQs Is 2026 a good time to buy property in Malaysia? Buying in 2026 depends on cash flow stability and long-term plans. If your mortgage repayment is below 30 percent of take-home pay and you intend to stay at least five years, buying can be financially sound. Otherwise, renting may preserve liquidity. Why are groceries still expensive despite a strong Ringgit? Due to forward contracts, sticky operational costs and wage adjustments. Currency strength takes time to affect retail prices. What is the average rental yield in Malaysia? National gross rental yields average around 4 to 6 percent, but net returns are lower after expenses. Should I rent or buy in Klang Valley in 2026? If renting costs significantly less than owning monthly, and you value liquidity, renting first can be financially prudent. If you are unsure whether buying now makes sense for your financial position, speak to a professional real estate advisor who understands both market data and financing structures. A good agent does not just sell property. They help you calculate risk and timing. [custom_blog_form] Continue reading: The Beginner’s Guide to Property Investment in Malaysia The Difference Between An Apartment And A Service Apartment Real Estate Agent Salary in Malaysia – How Much Do They Really Make? Why I Choose Renting Over Buying a House in Malaysia Insights into the Average Malaysian Salary Trends of 2025 Source: Academic & Technical Papers Mohamad Haizam Mohamed Saraf, Muhammad Eidlan Hakimi Radzi, Syahmimi Ayuni Ramli, & Mohammad Fitry Md Wadzir. (2025). Youth insights on factors influencing housing purchase and rental decisions. Journal of Computing Research and Innovation, 10(2), 26–34. https://doi.org/10.24191/jcrinn.v10i2.518 Chia, M. S., & Wei, C. Y. (2018). To purchase or to rent a home in Malaysia? A case study in Selangor. Journal of Contemporary Issues and Thought, 8, 1–7. https://doi.org/10.37134/jcit.vol8.1.2018. Websites, News, and Reports ASEAN Briefing. (n.d.). Salaries and minimum wages in Malaysia. https://www.aseanbriefing.com/doing-business-guide/malaysia/human-resources-and-payroll/salaries-minimum-wages-malaysia Bank Negara Malaysia. (2011). The introduction of the minimum wage policy [Box Article]. https://www.bnm.gov.my/documents/20124/830190/cp04_005_box.pdf Channel News Asia. (2024, August 2). Malaysia ringgit rally: Why the currency is at a year-high against the US dollar. https://www.channelnewsasia.com/asia/malaysia-ringgit-rally-currency-us-dollar-anwar-ibrahim-5887731 DAP Malaysia. (2024, October 2). The Malaysian Ringgit has strengthened to its highest level in eight years [Facebook post]. https://www.facebook.com/DAPMalaysia/posts/1472905400866978/ FocusEconomics. (n.d.). Malaysia economic outlook. https://www.focus-economics.com/countries/malaysia/ GoDigit. (2023). Cost of living in Malaysia: Average monthly expenses. https://www.godigit.com/living-expenses/cost-of-living-in-malaysia Maybank. (n.d.). A guide to the cost of living in Malaysia. https://www.maybank2u.com.my/maybank2u/malaysia/en/articles/daily-living/personal-finance/cost-of-living-malaysia.page New Straits Times. (2025, August 2). Some workers take two jobs, delay marriage to cope with living costs. https://www.nst.com.my/news/nation/2025/08/1255007/some-workers-take-two-jobs-delay-marriage-cope-living-costs Numbeo. (2024). Cost of living in Malaysia. https://www.numbeo.com/cost-of-living/country_result.jsp?country=Malaysia Sunway Property. (2024, May 22). Property ownership for the sandwich generation matters more than ever. https://sunwayproperty.com/news-events/property-ownership-for-the-sandwich-generation-matters-more-than-ever/ The Edge Malaysia. (2024, November 4). Economy. https://theedgemalaysia.com/categories/economy The Rakyat Post. (2022, October 5). Survey shows more Malaysians working 2 jobs to make ends meet. https://www.therakyatpost.com/news/2022/10/05/survey-shows-more-malaysians-working-2-jobs-to-make-ends-meet/ University of Reading Malaysia. (2024, August 15). Strengthening of the Ringgit: Insights from the Provost. https://www.reading.edu.my/blogs/strengthening-of-the-ringgit-provost

Version: BM Owning property in Malaysia is a smart way to build wealth, whether you're running an Airbnb or renting out residential properties.  But before you start celebrating your rental profits, there’s one thing that could catch you off guard: taxes.  Yes, the rental income you’re earning is taxable, and understanding how to handle it correctly is important to keeping things above board and avoiding unwanted penalties in the future.  Want to know more about rental income tax and how to file it properly? Keep reading to learn more!   Everything About Rental Income Tax What is Rental Income Tax?   Who Should Pay Rental Income Tax?  When to Pay Rental Income Tax?   Where to File Rental Income Tax?  Why is it Important to Rental Income Tax?   What Happened If You Don’t Pay Tax?   Frequently Asked Questions (FAQ’s)  What is Rental Income Tax?   Rental income tax is the tax applied to money earned from renting properties.    In Malaysia, this income is combined with the taxpayer's overall income, which includes salary and business earnings.   Rental income is taxed at a progressive rate, meaning that as your income increases, so does your tax rate.   Property owners can also deduct specific expenses related to their rental properties, like mortgage interest, maintenance costs, and property management fees, to lower their taxable income.  Who Should Pay Rental Income Tax?  The rental income tax in Malaysia is applicable to all property owners generating income from residential, commercial, or industrial properties.   This includes individuals renting out a single residential unit as well as large investors with multiple commercial properties, as the tax regulations affect anyone receiving rental payments. Additionally, landlords earning rental income via property management firms or agents must report this income to the Inland Revenue Board of Malaysia (LHDN) for tax obligations.  When to Pay Rental Income Tax?   In Malaysia, the timeline for reporting rental income tax is the same as the individual tax filing deadline. If you're a property owner earning rental income in 2024, your tax filing deadline is April 30, 2025.  Remember, failing to file on time or not reporting your rental income can lead to penalties or fines from LHDN.  So, make sure you're ready to submit your tax return well before the deadline!   Where to File Rental Income Tax?  Filing your rental income tax is easy using Malaysia’s LHDN MyTax portal. This platform helps both individuals and businesses file their taxes online quickly.    For a detailed step-by-step guide, read on How to File Your 2025 Income Tax in Malaysia.   If you have questions about the filing process, consider reaching out to a tax expert or a real estate agent who knows the tax rules for properties.  Why is it Important to Rental Income Tax?   Paying tax on rental income is not only a legal requirement but also promotes transparency in the real estate market and supports national growth.   By following tax laws, property owners can steer clear of penalties and ensure their rental income is properly recorded.   You can checkout the full list of the 2025 Income Tax Relief.   Knowing how rental income tax operates in Malaysia is important for property owners.   By keeping yourself updated and organized, you can reduce your tax responsibilities and make sure your property investment remains profitable and compliant in 2025.  What Happened If You Don’t Pay Tax?   If the property owner misses the tax return deadline on April 30, they might face a late filing penalty. This penalty can either be a set amount or a percentage of the taxes owed.  Additionally, if LHDN detects that rental income is not reported or paid, they may conduct an audit to investigate the property owner's financial records.   In serious situations, not following tax rules repeatedly can lead to legal trouble.   This could mean facing prosecution, which might result in criminal charges, fines, or even jail time, especially for people who deliberately skip paying taxes.  So, remember to file your rental income tax by April 30 to avoid penalties or legal issues! Stay on top of your tax responsibilities to ensure your property investment remains compliant. Frequently Asked Questions (FAQ’s)  u003cstrongu003e1. What is rental income tax in Malaysia?u003c/strongu003e Rental income tax is a tax on money earned from renting properties, taxed as part of your total income.  u003cstrongu003e2. Who is required to pay rental income tax in Malaysia?u003c/strongu003e  Anyone earning rental income from residential, commercial, or industrial properties must pay rental income tax.  u003cstrongu003e3. How are rental income taxes calculated?u003c/strongu003e  Rental income is taxed progressively, and you can deduct certain expenses to lower your taxable income.  u003cstrongu003e4. When is the rental income tax filing deadline?u003c/strongu003e  The filing deadline for 2024 rental income is April 30, 2025.  u003cstrongu003e5. Where do I file my rental income tax in Malaysia?u003c/strongu003e  You can file through the LHDN MyTax portal online.  u003cstrongu003e6. Why is paying rental income tax important?u003c/strongu003e  Paying tax is required by law, helps maintain market transparency, and avoids penalties. u003cstrongu003e7. What happens if I don’t pay my rental income tax?u003c/strongu003e  You may face penalties, an audit, or even legal consequences for non-payment.  u003cstrongu003e8. Can I deduct expenses related to my rental property from my taxable income?u003c/strongu003e  Yes, you can deduct expenses like mortgage interest, maintenance costs, and management fees.  u003cstrongu003e9. Is it worth hiring a tax consultant to file my rental income taxes?u003c/strongu003e  Hiring a tax consultant ensures your taxes are filed correctly and helps you take advantage of deductions.  Confused about property taxes or how much home loan you qualify for in Malaysia? Talk to an IQI agent today and get the answers you need. [custom_blog_form] Continue Reading: A Comprehensive Guide On Buying Property In Malaysia 2024 Property Purchase and Rental Price in Malaysia Market What Are The Hidden Costs of Owning a Rental Property?

Are you a fresh graduate who just started working at a company? Or perhaps you're a business owner or seasoned entrepreneur looking for a refresher on managing taxes? The Tax Identification Number (TIN) is your essential tool for managing your taxes! Understanding what a TIN is and how to get one is important, but you might still have some questions. Let’s explore what is a TIN and the steps to get it. All You Need To Know About TIN NumberWhat is TIN (Tax Identification Number)?Who needs a TIN number?How to find or apply for a TIN?Via OnlineVia Form What is TIN (Tax Identification Number)? The Tax Identification Number, also known as 'Nombor Cukai Pendapatan', is the tax identification number used by the Malaysian Inland Revenue Board. For instance, 'SG' and 'OG' are the codes for individual resident and non-resident, respectively, while 'C' is used for companies. The TIN is used in all dealings with tax authorities, from filing tax returns to receiving tax refunds. It's essential for enforcing tax laws and ensuring that everyone pays the correct amount of taxes. Who needs a TIN number? All taxpayers in Malaysia will need a TIN number. But who exactly counts as a taxpayer? Well, in Malaysia, the term 'taxpayer' extends beyond just individuals. Under Article 2 of the Income Tax Act of 1967, a 'person' can be a diverse range of entities – from companies and partnerships to sole traders. Whether you're running a start-up business or managing a well-established firm, you're also considered as a 'taxpayer' and need to get this crucial number. Click here for a more detailed step-by-step on how to file ? Income Tax 2025.? So, if you're an individual with taxable income in Malaysia, you'll need a TIN (Tax Identification Number). When tax season comes around, be ready with your TIN to fill out those declaration forms, known as Borang Nyata. How to find or apply for a TIN? There are a few different options for getting your TIN number. Via Online Go to the online registration page at https://mytax.hasil.gov.my/. Enter the required information, like the name and your company reference number (e.g., passport number, company registration number). Type in your registered phone number or email, then click search. Once the person or company is found, you’ll either be able to register for a TIN, or it will show if they already have one. Continue with the registration, fill in all necessary details, and upload any required documents. Finish the TIN registration process. Via Form You can also apply at the Malaysian Inland Revenue Board (LHDN). Go to HASiL Live Chat, and they will guide you through the process.  Obtain your TIN number through their customer enquiry form. Call the Hasil Care Line at 03-8911 1000. *18-year-old individuals who are still studying full-time don't need to submit an income tax return. *Taxpayers who are required to submit a Borang Nyata are as specified under the provisions of section 77 of the ITA 1967. Unlock your potential with IQI, dive into a world of continuous learning and growth opportunities. Join us today! [custom_blog_recruit_form] Continue Reading: Step-by-Step Guide: How to File Your 2025 Income Tax in Malaysia Claim Your Tax Reliefs When Filing Your Taxes! | List of Personal Income Tax Relief 2025 Malaysia Budget 2025 Malaysia: RM900 Million For Affordable Housing, Tax Break and More!