Smart Asset with Jason

Jason Lim · Johor Bahru property advisor

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Author: Jason Lim

  • Case Study: They Asked for a Holiday Home. We Planned Their Retirement

    A Singaporean couple asked me to find them a holiday home in JB. We ended up planning their retirement instead.

    Your situation is different? Ask me on WhatsApp. I reply myself, usually the same day.

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    The first request

    Clients C and D are in their early 50s. Their brief was simple: a weekend place, somewhere to unwind an hour from home. Nothing more complicated than that.

    What came out as we talked

    • They were about ten years from retirement.
    • They had not worked out their cost of living once they stopped working.
    • JB kept coming up as somewhere they might actually want to live, not just visit.

    So the question changed. Not “which unit suits a weekend trip?”, but “does this fit a life you might retire into, and do the numbers work with your retirement funds?”

    A holiday home and a retirement home need different things

    Weekend homeFuture retirement home
    LocationEasy trip from the CausewayNear hospitals, shops and daily needs
    LayoutCompact is fineLift access, space, ideally fewer stairs
    MoneySpare cashMust fit your retirement funds and income
    PaperworkBuy as a foreignerAlso a long-stay visa, such as MM2H, and healthcare cover

    The property search became the second decision. The retirement plan came first. If a “holiday home” might one day be where you retire, it is worth planning properly now rather than just browsing listings. Useful reading: Retiring to JB and MediShield Life, MM2H in 2026 and JB property for Singaporean buyers.

    Could JB be more than a weekend place for you? Let’s talk it through before you look at units.

    WhatsApp Jason about retiring in JB

    Client details are anonymised. General information, not financial advice. By Jason Lim (REN 84424, IQI Realty Sdn. Bhd. E (1) 1584/6).

  • Case Study: Why His Fifth Property Almost Cost Him

    A Malaysian client already owned four properties. He came to me with a new launch he liked and wanted help closing the deal fast. The fifth unit almost cost him. Here is why.

    Your situation is different? Ask me on WhatsApp. I reply myself, usually the same day.

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    The one question I asked first

    Before saying yes, I asked Client B: how much of your total net worth is already in property, in this same region? He had never added it up. When we did, more than 70% of his wealth was in one asset class, in one area.

    A fifth unit was not diversifying anything. It was doubling down on the same risk: the same local market, the same tenant pool, the same interest-rate exposure.

    What else a fifth property changes

    • Financing gets tighter. Bank Negara caps the loan at 70% of the price for a borrower’s third and subsequent housing loans, so each extra unit needs more cash.
    • Debt service ratio climbs. Every existing loan counts against the next application. See DSR explained.
    • Cash is thinner in a vacancy. With several units in one area, a slow rental market hits all of them at once.
    • More for the family to untangle. Each property is another title to transfer through the estate if something happens to you.

    The outcome

    We paused the purchase and looked at the whole picture first: cash buffer, loan exposure, and what the family would face in an emergency. More property is not automatically more wealth building if it is not actually diversifying anything.

    The portfolio question comes before the property question. For property-heavy owners, see also the insurance gap behind a property portfolio and will or trust for multiple properties.

    Thinking about adding another unit? Let’s look at your whole portfolio before the next booking form.

    WhatsApp Jason for a portfolio check

    Client details are anonymised. General information, not financial advice. By Jason Lim (REN 84424, IQI Realty Sdn. Bhd. E (1) 1584/6).

  • Case Study: Why a Hong Kong Buyer Almost Paid for the Wrong Structure

    A Hong Kong-based client, let’s call him Client F, came to me already convinced. He had read that buying through a company saves tax, and he wanted to incorporate before we had even shortlisted a unit. Here is why we talked him out of it.

    Your situation is different? Ask me on WhatsApp. I reply myself, usually the same day.

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    His plan

    One property, held long term. Before choosing the unit, he wanted to set up a Malaysian Sdn Bhd to own it.

    What the numbers showed

    Through a companyIn his own name
    Set-upIncorporation costsNone
    Every yearCompany secretary, audited accounts, tax filingsPersonal tax filing on rental income only
    Local directorNeeds a Malaysia-resident directorNot needed
    RPGT on a long hold10% from year 610% from year 6
    Foreign-buyer rulesStill a foreign buyer if foreign-ownedForeign buyer

    For one property held long term, the tax saving he expected barely existed: a company and a foreign individual both pay 10% RPGT after five years. Meanwhile the company added set-up costs, yearly compliance fees and a local director in his structure.

    The other supposed benefit, buying below the foreigner price threshold, did not apply either. His target units were already above RM1 million. And a company owned by a foreigner is treated as a foreign buyer anyway.

    The outcome

    Client F bought in his personal name. He saved the incorporation cost, skipped the annual filings and kept full control, with no nominee director in the picture.

    The lesson

    The right structure depends on your actual numbers, not on what worked for someone else. A company can make sense for a portfolio or a business use. For one long-term home or investment, it often just adds cost. The full comparison is in Buying Malaysian property through a company.

    Thinking of incorporating before you buy? Let’s run your numbers first. It is the check I do before anyone sets up a company.

    WhatsApp Jason to check your structure

    Client details are anonymised. General information, not legal or tax advice. By Jason Lim (REN 84424, IQI Realty Sdn. Bhd. E (1) 1584/6).

  • Singaporeans Buying in JB: Check the Minimum Price and the Foreign Quota First

    Also in: 中文 · Bahasa Melayu · Bahasa Indonesia

    Singaporeans often tell me:“I’ll just buy whatever I like in JB.” That is worth double-checking before you commit. In Singapore your biggest hurdle is ABSD. In Malaysia, the filters are completely different.

    Your situation is different? Ask me on WhatsApp. I reply myself, usually the same day.

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    Filter 1: the minimum price

    Foreigners in Malaysia face a minimum purchase price, set by each state rather than federally. In Johor, the usual floor for residential property is RM1 million. So the RM700,000 condo you like is not one you can buy as a foreigner, however good it looks.

    Filter 2: the foreign quota per project

    Johor also limits how many units in a project can go to foreign buyers, with different caps for apartments and landed homes. Apartment projects commonly allow a larger foreign share than landed ones. If a project’s foreign quota is already used up, you cannot buy there, even above RM1 million and even if you have already fallen in love with the unit.

    Not sure if a JB unit meets the foreigner rules?

    Send me the project or listing. I'll check the minimum price, title and quota before you go further.

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    The exception: Medini

    New strata units bought directly from the developer in the Medini zone of Iskandar Puteri have had no minimum-price threshold for foreigners. Individual projects elsewhere have occasionally had their own approvals too. These are exceptions, not the rule, so confirm them project by project with the developer and your lawyer.

    CheckWhat to confirm
    Minimum priceIs the price at or above Johor’s floor for foreigners (usually RM1 million)?
    Foreign quotaAre there foreign-quota units still available in this project?
    Property typeIs it a type foreigners may buy (not Malay reserve land, Bumiputera lot or low-cost housing)?
    Costs8% stamp duty plus Johor’s state consent levy (3% of the price, minimum RM30,000)

    Meet the price and the quota and you can proceed. Miss either one and you can’t. I run both checks before I ever send a client a listing. The full rules are in Can foreigners buy property in Malaysia?

    Have a JB unit in mind? Send it to me and I will check the price floor and foreign quota before you visit the showroom.

    WhatsApp Jason to check a unit

    Sources: Foreigner’s guide to buying JB property (2026); Johor foreign ownership rules. State policies change; confirm with the developer and your lawyer. General information, not legal advice. By Jason Lim (REN 84424, IQI Realty Sdn. Bhd. E (1) 1584/6).

  • Pay Your Home Loan Instalment Early and Save Thousands? How It Works

    Also in: 中文 · Bahasa Melayu · Bahasa Indonesia

    There is a simple habit that can save you thousands of ringgit on your home loan, and most homeowners don’t know about it: paying your monthly instalment early instead of on the due date.

    Your situation is different? Ask me on WhatsApp. I reply myself, usually the same day.

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    Why paying early can help

    Many Malaysian home loans calculate interest on the daily outstanding balance. If your instalment is credited earlier in the month, your balance drops earlier, so you pay interest on a slightly lower amount for more days. The saving goes towards your principal, so the loan also finishes a little sooner.

    Example: RM1 million loan

    Take a RM1,000,000 loan at 3.7% over 35 years. The instalment is about RM4,250 a month. Here is what changes if it is paid earlier each month, assuming interest on the daily balance:

    Instalment credited onTotal interest over the loanSaving vs paying on the 28th
    28th of the monthabout RM759,000–
    8th of the month (20 days early)about RM752,000about RM7,000
    1st of the month (27 days early)about RM749,000about RM9,500
    Our own simplified simulation: fixed rate, 30-day months, interest charged monthly on the daily balance. Real results depend on your bank’s method and rate changes.

    Same instalment, same salary, just different timing. It will not make you rich, but it is money you would otherwise hand to the bank for nothing.

    The catch: check your letter of offer

    Not every loan treats early payments the same way. Before you change anything, check:

    • How interest is calculated: on the daily balance, or monthly?
    • How early payments are applied: some banks hold them until the due date or treat them as advance payment rather than reducing the balance straight away.
    • Your loan type: term, semi-flexi or full flexi loans each handle extra and early payments differently, and some charge fees for flexibility.

    Don’t just ask your banker how much your monthly instalment is. Ask how you can reduce your total interest. If you are still at the application stage, see how banks decide how much you can borrow.

    Choosing a loan package? I can connect you with bankers who will explain how each package handles early and extra payments.

    WhatsApp Jason about loan packages

    General information, not financial advice. Figures are illustrative; each bank’s terms differ. By Jason Lim (REN 84424, IQI Realty Sdn. Bhd. E (1) 1584/6).

  • Quit Rent and Assessment Tax: Two Property Bills You Probably Don’t Know About

    Most buyers budget for the mortgage and stop there. But every property owner in Malaysia also pays two yearly bills. They are worth knowing about before you buy, not after.

    Your situation is different? Ask me on WhatsApp. I reply myself, usually the same day.

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    Two bills, two authorities

    People often assume there is one “property tax”. There are actually two completely separate charges:

    Quit rent (cukai tanah / cukai petak)Assessment tax (cukai taksiran / cukai pintu)
    Paid toState land officeLocal council (e.g. MBJB in Johor Bahru city)
    Based onLand area (for condos, your share of the land)Estimated annual rental value of the property
    Typical amount, JB condoAbout RM50–200 a yearOften RM500–2,000+ a year
    When due (Johor)Once a year, by 31 MayTwice a year: by 28 February and 31 August (MBJB)
    Typical ranges only. Your actual bill depends on the property, the council and the land office.

    Due whether or not you have a tenant

    Both bills come every year, whether the unit is rented out, lived in or empty. For overseas investors running the numbers from abroad, it is easy to forget them until the reminders pile up.

    Miss the deadline and it gets expensive

    • Assessment tax: late payment brings notice charges and penalties, and the council can eventually take enforcement action, including seizure.
    • Quit rent: unpaid quit rent leads to a formal demand notice, and under the National Land Code the state can ultimately forfeit the land. Rare, but not something to let slide.

    How to stay on top of it from overseas

    1. Put both into your annual holding costs from day one.
    2. Pay online: both the Johor land office and MBJB accept online payment.
    3. Set calendar reminders for February, May and August.
    4. Keep the receipts: if you rent the unit out, both are deductible against rental income. See rental tax for non-resident landlords.

    The other ongoing costs of owning are covered in 6 hidden costs nobody tells you about.

    Want the full yearly cost of a unit you are looking at? Send it to me and I will list every recurring charge for you.

    WhatsApp Jason about holding costs

    Sources: MBJB FAQ: assessment tax payment periods; Property tax in Johor Bahru. General information; confirm current amounts and deadlines with your land office and local council. By Jason Lim (REN 84424, IQI Realty Sdn. Bhd. E (1) 1584/6).

  • Retiring to JB? Your MediShield Life Won’t Follow You

    I have talked before about retiring to JB. As a former insurance agent, here is the piece people forget to check: healthcare. It is usually the real deciding factor in whether a JB retirement works long term.

    Your situation is different? Ask me on WhatsApp. I reply myself, usually the same day.

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    MediShield Life is built around Singapore hospitals

    Singapore’s Ministry of Health describes MediShield Life as basic insurance designed for subsidised bills at public hospitals in Singapore, and it is not extended to treatment overseas. If you live in JB day to day, a hospital stay in Johor is not covered by MediShield Life.

    Some private Integrated Shield Plans or riders include limited overseas emergency cover, but the terms vary a lot. Read your own policy rather than assuming.

    Keep paying, or suspend?

    Most retirees keep MediShield Life running so they are covered when they come back to Singapore for treatment. Suspending premiums is only possible in narrow cases, for Singaporeans who have settled abroad permanently: for example, you need permanent residency in the other country, at least five years living overseas, and a declaration that you will not rely on MediShield Life. If you later claim in Singapore, the suspension ends and back premiums with interest become due.

    ScenarioCovered by MediShield Life?
    Hospital stay in a JB hospitalNo
    Returning to Singapore for treatmentYes, if your coverage is active
    Emergency in MalaysiaNot by MediShield Life; check your private plan
    Routine GP visits and medication in JBNo, plan to pay or insure separately

    What to put in place before you move

    1. International or Malaysian health insurance that covers where you will actually live. Check age limits and pre-existing condition exclusions early; they get stricter with age.
    2. A plan for going back to Singapore for major treatment, if that is your preference, and how you will get there.
    3. A budget for day-to-day care in JB: GP visits, specialists and medication.
    4. Location choice. Being near a good hospital matters more for retirees than being near the checkpoint. See Should you only buy near the checkpoint?

    If retirement in JB is part of your plan, sort this out before the move, not after your first hospital visit. Planning a longer stay? See also MM2H in 2026.

    Planning to retire in JB? Let’s look at the whole picture: location, property and the practical side of living here.

    WhatsApp Jason about retiring in JB

    Sources: MOH: MediShield Life and Malaysian hospitals; MOH: coverage for Singaporeans permanently abroad. General information, not insurance or financial advice; check your own policies with your insurer and the CPF Board. By Jason Lim (REN 84424, IQI Realty Sdn. Bhd. E (1) 1584/6).

  • Should You Only Buy Property Near the JB Checkpoint?

    “Jason, should I only buy near the checkpoint?” I get this question almost every time I meet a Singapore-linked buyer. My answer: it depends on who the property is for.

    Your situation is different? Ask me on WhatsApp. I reply myself, usually the same day.

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    Why the checkpoint matters

    Many buyers assume that being close to the checkpoint automatically makes a great location. It is important. The Johor Bahru–Singapore RTS Link, running between Bukit Chagar in JB and Woodlands North in Singapore, is now due to start passenger service in February 2027 (announced on 2 October 2026), and areas within easy reach of the CIQ and the RTS station have drawn a lot of attention.

    But proximity alone does not guarantee long-term value. When everyone is buying the same thing for the same reason, supply often rises to meet it, and rents and resale prices have to compete.

    Start with who will live there

    Before I recommend any location, I ask who the target buyer or tenant is:

    Who is it for?What they value mostNear the checkpoint?
    Daily commuters to SingaporeShort, predictable trip to the CIQ or RTSUsually yes
    Families with childrenSchools, space, parks, mallsNot necessarily
    RetireesHealthcare, quiet, walkable amenitiesNot necessarily
    Long-term investorsSustainable demand beyond today’s trendDepends on supply and price

    Three questions to ask about any location

    1. Are the people you are buying for commuting to Singapore every day?
    2. Do they value convenience, schools or lifestyle more?
    3. Is there demand beyond today’s market, and how much new supply is coming nearby?

    For some buyers, being near the checkpoint makes perfect sense. For others, another area gives better value and stronger long-term potential. I don’t choose locations because they are popular. I choose the ones that match my client’s goals and future demand. The best location is not always the closest; it is the one that fits your strategy.

    Not sure which part of JB suits you? Tell me who the property is for, and I will shortlist areas that fit.

    WhatsApp Jason about JB locations

    Source: LTA: Johor Bahru–Singapore RTS Link. General information, not financial advice. By Jason Lim (REN 84424, IQI Realty Sdn. Bhd. E (1) 1584/6).

  • Joint Name Doesn’t Mean Your Spouse Automatically Gets the Property

    Couples buy property in joint names all the time, assuming that if one of them passes away, the other automatically gets full ownership. In Malaysia, that assumption is worth double-checking. It is one clause I always look at, and most buyers never hear about it.

    Your situation is different? Ask me on WhatsApp. I reply myself, usually the same day.

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    Co-owners in Malaysia hold separate shares

    When two people are registered on a Malaysian title, they are co-proprietors, each holding an undivided share (for example, half each). This works like what is called tenancy in common. There is no automatic “right of survivorship”, the rule under a joint tenancy where the surviving owner takes everything.

    That surprises many Singaporean buyers, because in Singapore couples often hold their home as joint tenants. The same names on a JB title do not work the same way.

    Joint tenancyTenancy in common (Malaysian co-ownership)
    Each owner holdsThe whole property togetherA separate share, e.g. 50%
    When one owner diesSurvivor takes it all automaticallyThe share goes into the deceased’s estate
    Who inherits that shareThe survivorWhoever the will names, or the heirs under the law if there is no will

    What can go wrong

    • The surviving spouse has to wait for a grant of probate or letters of administration before the share can be transferred.
    • Without a will, the share is divided among the legal heirs, which can include children and parents. Your spouse may end up co-owning with them.
    • Selling or refinancing then needs everyone’s agreement, including any minors, which brings in the court.

    How to close the gap

    1. Each owner writes a will that says clearly who receives their share of the property.
    2. Check the loan insurance (MRTA or MLTA) so the loan is covered if one of you passes away.
    3. Decide the shares on purpose when you buy, rather than defaulting to 50/50.

    The different ownership options are compared in Personal, joint or company name?, and why the will matters in Why your Malaysian property needs a will.

    Buying in joint names? Before I was an agent I trained in insurance and will writing, so I check how ownership affects your estate. Let’s close the gap before you sign, not after.

    WhatsApp Jason about joint ownership

    General information, not legal advice. Different rules apply to Muslim estates (faraid). Speak to a lawyer for your own situation. By Jason Lim (REN 84424, IQI Realty Sdn. Bhd. E (1) 1584/6), licensed will writer.

  • “Freehold or Nothing” Might Be Costing You Returns

    Also in: 中文 · Bahasa Melayu · Bahasa Indonesia

    A lot of buyers have a firm rule: freehold or nothing. The moment leasehold comes up, they walk away. That instinct is worth double-checking.

    Your situation is different? Ask me on WhatsApp. I reply myself, usually the same day.

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    The basic difference

    Freehold means you own the land with no expiry. Leasehold means you hold it for a fixed term from the state, typically 99 years, after which it reverts to the state unless the lease is renewed (which usually involves paying a premium). That part is true. But it does not automatically make leasehold the worse investment.

    Why leasehold can work in your favour

    • Lower entry price. In my experience, comparable leasehold units are often priced 15–20% below freehold ones.
    • Better rental yield. Tenants pay for location and condition, not tenure. Similar rent on a lower price means a higher yield.
    • Little erosion early on. With most of a 99-year lease remaining, value is usually driven by location and demand, not by the years left.
    IllustrationFreeholdLeasehold
    PriceRM600,000RM500,000
    Monthly rent (similar unit, same area)RM2,000RM2,000
    Gross rental yield4.0%4.8%
    Illustrative figures only. Actual pricing and rents depend on the project and location.

    The real catch is financing

    Banks want the remaining lease to outlast your loan by a comfortable buffer. If the remaining lease is too short, the bank may shorten your loan tenure, lower the margin or reject the application, and the same problem hits the next buyer when you sell. Each bank sets its own buffer, so check it before you commit.

    Questions to ask before ruling it in or out

    1. How many years are left on the lease today?
    2. How many will be left when your loan ends, and when you expect to sell?
    3. Is the price gap to a comparable freehold unit big enough to justify it?
    4. Are you buying for rental yield, own stay, or long-term legacy for your children?

    The real question is not freehold versus leasehold. It is whether the remaining years fit your actual loan and holding plan. If you are also weighing new launch against subsale, see New launch or subsale?

    Considering a leasehold unit? Before ruling it out on principle, send it to me and we will check the numbers together.

    WhatsApp Jason to check a unit

    General information, not financial advice. Lease renewal terms and bank policies differ by state and lender. By Jason Lim (REN 84424, IQI Realty Sdn. Bhd. E (1) 1584/6).

  • Leaving Malaysian Property to a Foreign Beneficiary? They May Need State Consent

    If you plan to leave property in Malaysia to a family member who is not a Malaysian citizen, they may not be able to simply inherit it. It is worth checking now, not after you are gone.

    Quick answer

    Can a foreign beneficiary inherit property in Malaysia? Yes, but a non-citizen beneficiary needs State Authority consent under the National Land Code, even when the property passes through a will, and this includes former Malaysians. Stamp duty on the transfer from the estate is a fixed RM10, and Johor has indicated its percentage levy for foreigners does not apply to inheritance.

    Your situation is different? Ask me on WhatsApp. I reply myself, usually the same day.

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    Non-citizens need state consent, even through a will

    Under the National Land Code, non-citizens and foreign companies need approval from the State Authority to acquire land in Malaysia. That also applies when the property passes through a will or an estate. A valid will decides who should receive the property; state consent decides whether the title can actually be transferred into a non-citizen’s name.

    Former Malaysians are included

    This is the part that surprises families most. A child who gave up Malaysian citizenship to become, say, Singaporean is now a non-citizen. They still need state consent to inherit their own parents’ home.

    Leaving property to family overseas?

    Tell me which state the property is in and where your heir lives. I will explain the consent step for that state and help you line up the right lawyer for your will.

    WhatsApp Jason

    The good news on cost

    • Stamp duty is nominal. A transfer from the estate to a beneficiary attracts a fixed RM10, not the percentage rates a buyer pays.
    • No percentage levy in Johor. Johor has indicated that property transferred through inheritance does not attract its percentage-based levy for foreigners.
    • But the consent application still takes time and money: application and administrative fees that can run from a few hundred to a few thousand ringgit, plus legal fees and processing time.

    Plan it into your will

    It is not a deal-breaker. It is a step, but it needs to be planned into your timeline, not discovered by your executor after you are gone.

    1. List each beneficiary’s citizenship today, and update it if anyone changes nationality.
    2. Tell your executor that state consent may be needed, so it is budgeted for in time and cost.
    3. Give your executor options in the will, for example the power to sell the property and pass on the proceeds if keeping it in the beneficiary’s name is not practical. Your will writer or lawyer can draft this properly.

    More on why every Malaysian property should be covered by a will: Why your Malaysian property needs a will. For Singapore owners, see also the truth about “double death tax”.

    Does your will name a non-Malaysian beneficiary? Let’s make sure it is built to handle this, rather than leaving your family to figure it out.

    WhatsApp Jason about your will

    State practice varies and can change. General information, not legal advice. By Jason Lim (REN 84424, IQI Realty Sdn. Bhd.), licensed will writer.

  • Worried About “Double Death Tax” on Your JB Property? Here’s the Truth

    Also in: Bahasa Melayu

    A lot of Singaporeans ask me: “Will my family be taxed twice when I pass this property on?” Good news first: no. The real cost is somewhere else.

    Your situation is different? Ask me on WhatsApp. I reply myself, usually the same day.

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    There is no death tax on either side

    Singapore abolished estate duty in 2008, for deaths on or after 15 February 2008. Malaysia abolished its estate duty even earlier, in 1991. Neither country taxes your estate when you die, so there is no “double” tax waiting for your family.

    The real cost is process, not tax

    A Singapore grant of probate (or letters of administration) covers assets in Singapore. Your JB property sits under Malaysian law, so it needs its own administration here.

    Because Singapore and Malaysia are both Commonwealth jurisdictions, your family usually does not have to start from zero. The Singapore grant can normally be resealed by the Malaysian High Court under the Probate and Administration Act 1959. That still means Malaysian lawyers, documents, court time and fees. It is not a tax bill, but it is paperwork and time.

    SingaporeMalaysia
    Estate dutyAbolished (2008)Abolished (1991)
    What the family needs for the JB propertyThe Singapore grant resealed in Malaysia, or a separate Malaysian grant
    Main costLegal fees, time and paperwork, not tax

    Where the real planning happens

    • Have a will that clearly covers your Malaysian property. Many Singaporeans hold a separate Malaysian will for Malaysian assets so the executor here can act without waiting on the Singapore estate. See Why your Malaysian property needs a will.
    • Check your beneficiaries’ citizenship. A non-Malaysian beneficiary may need state consent to take over the title. See Leaving Malaysian property to a foreign beneficiary.
    • Keep documents together: the SPA, title or strata title, loan papers and the insurance linked to the loan, so your executor is not searching for them later.

    So if double taxation was your main worry about owning in JB, you can relax on the tax side. Plan for the process instead.

    Want your JB property to pass smoothly? I am also a licensed will writer. Message me and we can look at the process side together.

    WhatsApp Jason about estate planning

    General information, not legal or tax advice. Every estate is different; speak to a lawyer in each country for your own case. By Jason Lim (REN 84424, IQI Realty Sdn. Bhd.).