A STEP-BY-STEP GUIDE
TO OWNING YOUR DREAM HOME WITH US

Step 1

REGISTRATION

Register your interest here. This helps us to learn about your preferences to better suit your needs.

Step 2

SELECTION OF UNIT & LETTER OF OFFER

Leading up to a launch, we will send out private invitations to all our registered buyers for an exclusive preview. You will be given priority to select your unit before the project is launched to the public.

Upon selecting and reserving a unit, you will be issued a receipt and an offer letter; the offer letter will include details of the property you are purchasing.

Step 3

EXECUTION OF SALES AND PURCHASE AGREEMENT (S&P)

Execution of the S&P must be done at the appointed solicitor's office upon settlement of the initial 10% down payment.

Step 4

LOAN APPLICATION AND EPF WITHDRAWAL

To avoid paying interest on late payments, apply for housing loan immediately upon receiving the offer letter. We provide our own panel of bankers to assist you with this process.

Once you have selected your preferred bank and your loan has been accepted, a letter of offer will be issued by the end-financier. You will need to accept and acknowledge the letter of offer within 14 days. Our appointed solicitor will be instructed by the end-financier to prepare the loan documents for your execution.

You are entitled to withdraw from your Employees' Provident Fund (EPF) account. This withdrawal allows you to utilise your savings from Account 2 to partially finance your purchase. To find out more, visit kwsp.gov.my

Step 5

REGISTRATION OF DOCUMENTS

In the issuance of a separate title, the end-financier's solicitor will normally present the Memorandum of Transfer in favour of the purchaser and the charge in favour of the end-financier registration at the relevant Land Office. Where a separate title has been issued, the end-financier will keep the original SPA and the original Loan Agreement and Assignment as security for the loan.

Step 6

PROGRESS BILLING

Billing will be done progressively either to you or the end-financier as and when the Architect's Certificates are issued upon completion of each stage of construction as per the Third Schedule of the Housing Development Act. If you are a cash purchaser, you will be billed directly.

Step 7

HANDING OVER OF VACANT POSSESSION (VP)

Upon completion, VP of the property can be delivered to you. You are deemed to have taken delivery of said parcel upon expiry of 14 days from the date of the VP letter. You will receive the keys to your new home upon full settlement of any outstanding payments.

Step 8

JOINT INSPECTION

You need to arrange a joint inspection between TAGO / the appointed Property Management Company to review all specifications, as stated in the SPA, have been provided for. During this meeting, all defects and complaints should be identified and put into writing which will be addressed by the Implementation Section throughout the 24 months’ defects liability period. Any defects arising during this period and not a result of your own actions will be rectified.