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Property Life
๐ŸŒŸ Good News for Property Owners: RPGT Exemptions You Need to Know!

Paying taxes might be inevitable, but hereโ€™s a silver lining for property owners in Malaysia! ๐Ÿกโœจ There are key RPGT exemptions that can save you money:

Once-in-a-Lifetime Exemption: Sell your private residence and you wonโ€™t pay RPGT, not even a dimeโ€”this exemption is available to everyone. ๐ŸŽ‰

Family Transfers: Inheriting the family home? Transferring property to your spouse, children, or grandparents? Relax, these transfers are exempt from RPGT. Keeping it in the family has its perks! ๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘งโ€๐Ÿ‘ฆ

RM10,000 or 10% Relief: On every property transaction, you get a relief of RM10,000 or 10%, whichever is more generous. Itโ€™s like a discount on your tax bill! ๐Ÿ’ธ

Remember, these exemptions are here to help, whether you're selling your home or keeping cherished properties in the family.

Planning a property sale? Make sure youโ€™re clued in on these RPGT exemptions to maximize your benefits. ๐Ÿ“ˆ๐Ÿ›ก๏ธ

#RPGTExemptions #MalaysiaProperty #TaxSavings #RealEstateTips
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๐Ÿ ๐Ÿ’ฐ RPGT Rates Explained: What You Need to Know

Navigating Real Property Gains Tax (RPGT) in Malaysia? Hereโ€™s a quick guide to understanding how RPGT rates have been tailored to curb property speculation and ensure fair taxation:

Ownership Duration & RPGT Rates:
- Up to 3 Years: 30% for both citizens and non-citizens
- Up to 4 Years: 20% for citizens, 30% for non-citizens
- Up to 5 Years: 15% for citizens, 30% for non-citizens
- More than 5 Years: 0% for citizens, 5% for non-citizens

Example: ๐Ÿ“Š If you're a Malaysian citizen and sell your property after 4 years, your RPGT rate is 20%. Sold a property with a RM250,000 gain? You'll pay RM50,000 in RPGT. Wait till the 5th year? It drops to RM37,500 thanks to a 15% rate. Hold onto it for over 5 years? Zero RPGT for citizens!

Remember, the length of time youโ€™ve held the property and your citizenship status play key roles in determining your RPGT rate. ๐Ÿ•ฐ๏ธ๐Ÿ“ˆ

Stay informed and plan your property sales wisely to make the most out of your investments!

#RPGTMalaysia #PropertyTax #RealEstateInvesting #TaxTips
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๐Ÿค“๐Ÿ’ก Demystifying RPGT Calculation in Malaysia

Ever wondered how Real Property Gains Tax (RPGT) is calculated when you sell property in Malaysia? It's simpler than you think! Let's break it down:

Find Your Chargeable Gain: Subtract the price you bought your property for from the price you sold it for.

Formula: Chargeable Gain = Sale Price - Purchase Price
Calculate Your RPGT: Multiply your chargeable gain by the RPGT rate.

Formula: RPGT = Chargeable Gain x RPGT Rate
Example: Bought a property for RM600,000 and sold it for RM850,000? Your chargeable gain is RM250,000 (RM850,000 - RM600,000). Multiply this by the RPGT rate to find out your tax.

It's that easy! ๐Ÿ ๐Ÿ’ผ Remember, understanding your taxes can save you time and money.

#RPGTCalculation #MalaysiaRealEstate #PropertySelling #TaxTips
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๐Ÿก๐Ÿ’ธ Understanding Real Property Gains Tax (RPGT) in Malaysia

Ever heard of RPGT? ๐Ÿค” It's the tax you pay when you make a profit from selling property in Malaysia. Introduced back in 1975, RPGT is all about ensuring that capital gains from property sales are taxed fairly.

So, what does it mean for you? Whether you're a local, an expat, or enjoying retirement on an MM2H visa, if you sell a property at a profit, you'll need to pay this tax to the Inland Revenue Board of Malaysia (LHDN).

Remember, RPGT is a seller's responsibility. Selling property? Keep RPGT in mind to stay on the right side of Malaysia's tax laws! ๐Ÿ“Š๐Ÿ“

#RPGT #MalaysiaProperty #RealEstateTax #LHDN #PropertySale #TaxAwareness
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๐ŸŒ Buying Property in Malaysia as a Foreigner: What You Need to Know ๐Ÿ‡ฒ๐Ÿ‡พ

Hey everyone! Thinking about investing in Malaysian property as a foreigner? Here's a quick rundown of the key guidelines:

1. Property Types: Foreigners can typically buy residential properties priced at RM1 million and above. However, rules may vary by state, so check the specific regulations in your desired area.

2. Property Title: Non-citizens usually purchase properties under leasehold or stratified titles. Leasehold properties have a set tenure, while stratified properties involve shared ownership of common areas.

3. Approval Process: Before buying, foreigners must obtain approval from the state government or the Malaysian Investment Development Authority (MIDA). This ensures compliance with regulations and eligibility criteria.

4. Financing: Foreigners may encounter restrictions when seeking financing from Malaysian banks. Consider exploring alternative financing options or be prepared to pay in cash.

5. Additional Costs: Don't forget about additional expenses like legal fees, stamp duty, and property taxes. These costs can vary based on the property's value and location.

Understanding these guidelines and working with reputable agents and legal advisors can help foreigners navigate the Malaysian property market confidently and make smart investment decisions.

#ForeignInvestment #MalaysiaProperty #InvestingAbroad #PropertyMarket ๐ŸŒŸ๐Ÿก
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๐ŸŒŸ Discover the Best Places to Live and Buy Property in Malaysia! ๐Ÿก

Looking for your dream home sweet home in Malaysia? Here's a quick guide to some top spots that offer the perfect blend of lifestyle, affordability, and investment potential:

๐Ÿ™๏ธ Kuala Lumpur (KL): Dive into the heart of the action with KL's vibrant urban lifestyle, bustling streets, and endless opportunities. From trendy condos in Bangsar to luxury living in KLCC, there's something for everyone in this dynamic capital city.

๐Ÿ๏ธ Penang: Immerse yourself in the charm of the "Pearl of the Orient" with Penang's rich heritage, delectable cuisine, and stunning seaside views. Explore the historic streets of George Town or unwind in the beachside bliss of Batu Ferringhi.

๐ŸŒณ Petaling Jaya (PJ): Experience the best of both worlds in PJ, where mature neighborhoods meet modern conveniences. From family-friendly suburbs to bustling commercial hubs, PJ offers a diverse range of housing options to suit every lifestyle.

๐Ÿš€ Cyberjaya and Putrajaya: Step into the future with Malaysia's premier smart cities, where innovation meets sustainability. Whether you're a tech enthusiast or a nature lover, Cyberjaya and Putrajaya offer the perfect blend of modern living and green spaces.

๐ŸŒ„ Iskandar Malaysia (Johor Bahru): Explore the gateway to endless possibilities in Iskandar Malaysia, where vibrant urban centers meet breathtaking natural landscapes. With world-class amenities and strategic connectivity, it's the ultimate destination for savvy investors and homebuyers alike.

๐Ÿž๏ธ Kota Kinabalu (KK), Sabah: Embrace the beauty of Borneo with KK's laid-back lifestyle, stunning beaches, and tropical wonders. From waterfront condos to hillside retreats, KK offers a serene escape amidst nature's bounty.

๐ŸŒฟ Kuching, Sarawak: Experience the warmth of Sarawakian hospitality in Kuching, where tradition meets modernity. With its affordable living costs, cultural richness, and close-knit community, Kuching is the perfect place to call home.

No matter where you choose to settle down in Malaysia, each destination offers its own unique charm and opportunities. So, take your pick, and let the adventure begin!

#MalaysiaProperty #HomeSweetHome #DiscoverMalaysia #RealEstateGoals ๐ŸŒŸ๐Ÿก
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๐Ÿก Understanding Freehold vs. Leasehold: What You Need to Know ๐Ÿ”„

When it comes to buying a home, knowing the difference between freehold and leasehold properties can make a big impact on your decision. Here's the lowdown in simple terms:

1. Freehold Properties: With a freehold home, you own the property and the land it sits on outright. It's yours to keep indefinitely, giving you complete control and ownership.

2. Leasehold Properties: Leasehold homes, on the other hand, are owned by the government or a landlord and come with a set lease period, typically 20, 66, or even 99 years. While you have the right to use the property during the lease period, ownership ultimately reverts to the landowner once the lease expires.

So, What's the Big Difference?

1. Ownership: Freehold properties offer full ownership, while leasehold properties have a limited tenure.

2. Desirability vs. Affordability: Freehold homes are often more desirable due to the sense of permanence they offer, but leasehold properties tend to be more affordable upfront and may come with better facilities or amenities.

Choosing the Right Fit for You:
When deciding between freehold and leasehold, consider your long-term plans and priorities. If you're buying a home to live in, factors like location, amenities, and community vibes may outweigh land tenure. Ultimately, choose a place where you'll feel happy and comfortable living, regardless of whether it's freehold or leasehold.

Remember, a home is more than just a piece of landโ€”it's where you build memories and create a life. So, find a place that speaks to your heart and fits your lifestyle like a glove.

Happy house hunting, and may you find the perfect home sweet home! ๐Ÿ ๐Ÿ’–
#FreeholdVsLeasehold #HomeBuyingTips #PropertyOwnership #SmartInvesting
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๐Ÿ“ Location, Location, Location: Why It Matters When Buying a Home ๐Ÿ 

Hey there, savvy homebuyer! Let's talk about why location is king when it comes to finding your dream home.

1. Proximity to Amenities: Living near schools, supermarkets, parks, and healthcare facilities can make life a whole lot easier. A well-connected location means you spend less time commuting and more time enjoying the things that matter.

2. Accessibility: Sure, a secluded spot might sound serene, but being close to major roads, public transportation, and highways can be a game-changer. It means easier access to work, leisure activities, and visiting friends and family.

3. Township Appeal: Whether it's a mature neighborhood with established infrastructure or an up-and-coming township with promising growth prospects, choosing the right area can impact your quality of life and even your property's future value.

4. Community Vibes: Beyond just the physical surroundings, consider the vibe of the community. Are there social activities, events, and a sense of belonging? A thriving neighborhood can enhance your overall living experience.

Remember, while a beautiful home is important, it's the location that sets the stage for your daily life. So, when you're out there scouting for your perfect pad, keep these location factors in mind. They could make all the difference in turning a house into a true home.

Happy house hunting, and may you find the perfect spot to call your own! ๐ŸŒŸ๐Ÿ—บ๏ธ

#LocationMatters #HomeBuyingTips #NeighborhoodVibes #SmartInvesting
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๐Ÿ  Top Tips for Homebuyers: Making the Right Choice ๐ŸŒŸ

Buying a home is a huge step, and there are a few key things you should keep in mind to make the best decision. Here's a straightforward guide to help you on your journey to finding your dream home.

1. Choose a Trusted Developer: Going with a reputable developer can save you a lot of headaches down the line. They're more likely to deliver on their promises, offer quality construction, and provide support when you need it.

2. Think About the Future: Today, a two-bedroom might seem enough, but what about a few years from now? Opting for a home that can accommodate potential changes in your life, like a growing family, means you won't have to move every time your situation changes.

3. Set Your Priorities Straight: It's rare to find a home that ticks every single box. Decide what's most important to youโ€”be it location, size, or amenities. Knowing what you're willing to compromise on can help narrow down your search.

4. Know Your Budget: Financial wisdom suggests that your home loan repayments should not exceed one-third of your monthly income. This ensures you can comfortably afford your home without stretching yourself too thin.

Buying a home is not just about the here and now. It's about making a choice that will serve you well into the future. Take your time, consider these tips, and you'll be well on your way to finding a place you'll love calling home.

Happy house hunting! ๐Ÿกโœจ

#HomeBuyingTips #SmartInvesting #FuturePlanning #BudgetingWisdom
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๐Ÿ—๏ธ Under-Construction vs. Move-In Ready Homes: Which to Choose? ๐Ÿก

Hey there, future homeowners! Picking between an under-construction home and a move-in ready unit is a big decision. Here's a simple guide to help you out.

Thinking about an Under-Construction Home? This might be perfect if you're planning for the long haul or need some extra time to save up. It's a great option because you get to wait a bit before you need to move in, giving you more time to prepare financially. Plus, you might even get a say in how things look!

Or is a Move-In Ready Unit calling your name? If you're eager to start your new life in your new home ASAP, then this is the way to go. No waiting necessaryโ€”just pack up, move in, and start living your dream home life right away.

So, what's it gonna be? If you're playing the long game or want to build up your savings a bit more, consider an under-construction home. But if you're all about getting settled quickly, a move-in ready unit is just the ticket.

Remember, there's no right or wrong choice, only what works best for your situation and dreams.

Cheers to finding your perfect home! ๐ŸŽ‰

#HomeBuyingChoices #UnderConstructionOrMoveInReady #FutureHomeowners
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๐Ÿ  Thinking About Buying a Property? Here's What You Need to Know! ๐ŸŒˆ

Hey everyone! If you're looking to buy a home, you might be wondering whether to go for a new launch property or pick a subsale one. Let me break it down for you in simple terms.

New Launch Properties are brand new homes that are just being built or have just finished. The cool thing here is you often get discounts and don't have to pay for some of the extra fees like legal costs or stamp duty. Plus, everything is new!

Subsale Properties, on the other hand, are homes that have been owned before. This year, you might find some of these homes being sold for less than usual. But, remember, buying these might mean you have to pay extra fees for legal stuff, taxes, and fixing up the place.

So, what's the better choice? Well, if you love the idea of moving into a brand new place and can wait for it to be built, a new launch might be exciting for you. But if you're looking to move in quickly and maybe find a deal, then a subsale property could be the way to go.

Just make sure you think about all the costs involved, not just the price of the house. And most importantly, choose a home that feels right for you!

Happy house hunting! ๐Ÿกโœจ

#HomeBuyingTips #NewLaunchVsSubsale #PropertyAdvice
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Navigating Home Affordability with Debt-to-Service Ratio (DSR) ๐Ÿ“ˆ๐Ÿ’ผ

Understanding your Debt-to-Service Ratio (DSR) is crucial when determining how much you can afford to spend on a home. Banks commonly use this metric to assess loan eligibility, ensuring borrowers aren't overextending themselves financially.

What is DSR?
DSR calculates the portion of your net income that goes towards repaying debt. A healthy DSR ensures you have enough income left each month after covering your debts, including your mortgage, car loans, credit card bills, and any other loans like PTPTN.

DSR = Household Debt / Net Income x 100

Example Calculation
Let's say you have a net income of RM4,100 after deductions like income tax, EPF, and SOCSO from a gross income of RM4,650. To maintain a DSR under the recommended 70%, your total monthly debt payments should not exceed RM2,870.

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Understanding What You Can Truly Afford in Homeownership ๐Ÿก๐Ÿ’ก

When it comes to buying a home, the price tag isn't the only thing to consider. It's about sustainability and ensuring you can keep up with payments, even if your financial situation changes. Hereโ€™s how to assess what you can really afford:

The Rule of Thumb ๐Ÿ“
https://www.iproperty.com.my suggests your monthly home loan repayment shouldn't exceed one-third of your monthly income. This guideline helps ensure you have enough left over for other expenses and savings.

Consider Your Entire Financial Picture ๐Ÿ“Š
Your capability to afford a home isn't just about your income vs. the loan repayment. You need to factor in all your debtsโ€”like car loans and credit card paymentsโ€”as well as your monthly living expenses. These elements combined give you a clearer picture of what you can comfortably afford without stretching yourself too thin.

Practical Example ๐Ÿงฎ
If your monthly income is RM4,650, following the one-third rule, you can afford a monthly loan repayment up to RM1,550. For a RM400,000 home, with current interest rates, a monthly repayment around RM1,537 could fit within this budget. However, this is a simplified scenario and assumes you have manageable debts and expenses outside of your mortgage.

Key Takeaways for Homebuyers:
1. Assess Your Financial Health: Before deciding on a price range, review your entire financial situation, including all sources of debt and your monthly expenses.

2. Plan for the Unexpected: Consider how a job loss or an increase in financial obligations could impact your ability to meet your mortgage payments.

3. Future-Proof Your Home Purchase: Ensure that your decision to buy a home allows for future financial flexibility. Buying at the very top of what you can afford now might not leave room for unexpected expenses or life changes.

Purchasing a home is a significant milestone, but itโ€™s vital to approach it with a clear understanding of what you can afford. This way, you ensure that your dream home remains a blessing and not a financial burden.

๐ŸŒŸ Embark on your homeownership journey with confidence, knowing you've made a decision that's sustainable for your future. ๐ŸŒŸ
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๐Ÿก To Buy or Not to Buy: Navigating the Property Market ๐Ÿค”

In a year teeming with savings and irresistible promotions, the allure of homeownership has never been stronger. Yet, diving into the property market is a significant decision, one that demands careful consideration of your financial landscape and long-term commitments.

Here's a quick guide to help you decide:

Yes, Go For It If:
1. The Heart Says Yes: You've stumbled upon a place that sparks joy, meets your needs, and feels like a true home.

2. Your Wallet Agrees: The finances add up; you have a stable income, adequate savings, and the property is within your budget without stretching your financial health thin.

Hold Off If:
1. Quick Profit Is the Goal: The property market is complex and can be unpredictable. If your primary motive is to flip the property quickly for profit, the risks might outweigh the potential rewards.

2. The Discounts Are Tempting You: While discounts and promotions are appealing, they shouldn't be the sole reason for your investment. A home is more than a transaction; it's a place to live, grow, and make memories.

To buy a home, with conditions favoring the buyer in many aspects. However, the decision to buy should align with your personal and financial readiness, not just the market's attractiveness.

Take the time to reflect on your needs, aspirations, and financial stability. If all signs point to yes, this could be the perfect moment to embark on the journey of homeownership. If doubts persist, it's wise to wait until you're fully prepared for such a commitment.

๐ŸŒŸ Here's to making the right choice for you and your future! ๐ŸŒŸ

#HomeBuying #PropertyInvestment #FinancialWellness #RealEstateDecisions
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๐Ÿš€ Opportunity Knocks for Malaysian Homebuyers! ๐Ÿ ๐Ÿ’ฐ

In a surprising turn of events, Rahim & Co International has shed light on a staggering figure: 57,390 unsold housing units in Malaysia as of Q3 2020. This surplus, signaling a mismatch between supply and demand or affordability issues, is prompting developers to roll out enticing incentives to attract buyers.

Here's the Scoop on What's Being Offered:

1. Incredible Deals: Developers are pulling out all the stops with offers such as free downpayments, waived maintenance fees, complimentary furnishing, and hefty additional rebates. The aim? To make home buying more accessible and appealing.

2. 100% Financing Deals: Yes, you read that right! Some developers are now offering deals where you can purchase a home with zero upfront costs. This means you can become a homeowner without the burden of initial expenses, as everything is rolled into your monthly payments.
What This Means for You:

1. Substantial Savings: By taking advantage of these deals, you stand to save a significant amount of money, making now an opportune time to consider investing in a property.

2. Consider the Selection: Keep in mind that many of these deals may apply to units that haven't been snapped up yet. While this might mean less choice in terms of location or features, the financial benefits could be well worth it.
This current landscape presents a unique window for potential homeowners to make a move in the property market. With developers eager to reduce their unsold inventory through attractive offers, assessing your options could reveal a path to homeownership that is both affordable and advantageous.

Dive into the market, explore your options, and you could find yourself holding the keys to your new home sooner than you think! ๐Ÿ—๏ธโœจ

#MalaysiaRealEstate #HomeBuyingDeals #PropertyInvestment #ZeroDownPayment #RealEstateOpportunities

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๐ŸŒŸ Historic Low Interest Rates Alert for Homebuyers! ๐Ÿก๐Ÿ’ธ

Did you know? Bank Negara Malaysia's overnight policy rate (OPR) has hit a remarkable low of 1.75%, the lowest in two decades! This pivotal moment in finance translates directly to more affordable home loans for you.

What's the Big Deal?
Banks are now offering home loan interest rates starting as low as 3.1%, a significant drop from the 4.5% average just two years ago. Imagine the possibilities! For a RM500,000 house, this could mean a saving of up to RM359 per month on your mortgage payments.

But, there's a catch...
While it's tempting to jump in and take advantage of these low rates, remember that interest rates are like the tide โ€” they will rise again. As the OPR rate climbs, so will your monthly payments.

Key Insights for Homebuyers:

Enjoy Lower Monthly Payments Now: Initially, you'll benefit from significantly lower monthly instalments, making it a great time to buy.
Plan for the Future: It's crucial to consider the potential increase in instalments. Ensure you don't stretch your budget too thin by accounting for possible rate hikes.
This is a golden opportunity to lock in low rates, but it comes with the responsibility of forward-thinking. Understand your financial comfort zone, and don't let the current low rates lure you into overcommitting.

Take the leap wisely, and let your dream home become a reality without compromising your financial health! ๐ŸŒˆ๐Ÿ 

#InterestRates #HomeLoan #FinancialPlanning #BankNegaraMalaysia #PropertyInvestment #SmartHomeBuying
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๐ŸŒŸ Exciting News for Homebuyers! ๐Ÿก๐Ÿ’ผ The Ministry of Finance Brings Great Opportunities! ๐ŸŒŸ

In a groundbreaking move, the Ministry of Finance has extended the Home Ownership Campaign (HOC), a game-changer since 2019 for aspiring homeowners. This initiative opens up a treasure trove of benefits, making now an incredible time to consider stepping into the property market.

Here's what's in store for you:

1. Stamp Duty Exemption & 10% Property Discounts: Imagine buying a RM500,000 home and saving up to RM61,250! Yes, you read that right. The HOC offers stamp duty exemptions and a minimum of 10% off on property purchases, putting the dream of homeownership within easier reach.

2. Enhanced Financing Options: In a major boost, Bank Negara Malaysia has lifted the 70% loan-to-value cap for third home loans above RM600,000. Now, if you're eyeing your third property, you could qualify for up to 90% financing. This significant change opens up new doors for investors and homeowners alike, offering more flexibility and capacity to expand property portfolios.

Key Takeaways for Homebuyers:

1. More Accessible Home Ownership: The financial barriers to buying a home are being dramatically lowered. This means you don't need to deplete your savings or worry excessively about upfront costs. It's a golden opportunity to buy your dream home with substantially reduced financial strain.

2. Focus on New Properties: It's important to note that these savings apply to new property purchases through the HOC and are not available for sub-sale units. This encourages investment in new developments and contributes to the growth of the real estate sector.

This initiative is not just about making homes more affordable; it's about making dreams more attainable. Whether you're a first-time buyer or looking to expand your property investments, the extended HOC coupled with relaxed financing rules presents a not-to-be-missed opportunity.

Act now and make your homeownership dream a reality! ๐ŸŒˆ๐Ÿ 

#HomeOwnershipCampaign #HOC2024 #RealEstateMalaysia #PropertyInvestment #StampDutyExemption #FinanceMalaysia
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๐Ÿก Thinking of Buying Your Dream Home? ๐Ÿค” Let's Dive In! ๐Ÿก

Navigating the journey to homeownership can feel like a maze. With the market always shifting, knowing the perfect time to make your move is crucial. Here's a little guide to help you through!

1. Current Property Market Trends: ๐Ÿ“Š The market is always changing, but understanding trends can help you spot opportunities. Whether it's a buyers' market with lots of choices or a sellers' market with competitive prices, knowing the landscape is key!

2. Affordability Check: ๐Ÿ’ฐ Before dreaming too big, let's talk numbers. How much home can you really afford? It's not just about the mortgage; consider taxes, insurance, and maintenance. A reality check now can save you headaches later.

3. FAQs for Homebuyers: โ“Got questions? You're not alone. From "Is now a good time to buy?" to "What should I look for in a home?", we've got answers to your most burning questions.

Remember, buying a home is a big step, but you don't have to take it alone. Stay informed, consider your options, and when you're ready, take that leap towards owning your dream home. ๐Ÿ โœจ

#HomeBuyingTips #RealEstate #DreamHomeJourney #PropertyMarket #Homeownership