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“I found happiness” M’sian Home Buyers Share 5 Silver Linings Despite The Big Loans


Zig Feat Image 3 1
Source: 123RF & 123RF

Owning a forever home is a shared dream for many Malaysians. However, the path to achieving this dream is not all sunshine and rainbows—think cumbersome site visits and budgeting struggles!

However, despite the huge financial commitment, Malaysian home buyers have discovered multiple reasons to celebrate their milestone. Keep on reading to find out the silver linings behind their house-buying journey! 


1. Build equity over time

“Each mortgage payment builds equity and brings you closer to owning a powerful asset. Through leveraging home equity, I secured big loans to fund my new floral business!” — Julia, 38 

Increasing home equity is an effective strategy for building wealth over the long term! When you pay down your mortgage and your property value appreciates, you can:

  • Sell your property at a higher price and pocket the difference
  • Use your property as an asset to secure loans for other investments 
  • Avoid rising rental costs that drain your savings 

Pexels Amina Filkins 5410084


2. Generate passive income 

“Investing in property is one of the best decisions I’ve ever made. Just by collecting rentals, I get passive income every month to add to my retirement savings!” — Faris, 41

When you invest in property, you’re opening the door to an additional source of income through rental payments! The stable stream of cash flow not only pays up your mortgage but also grows your savings. 

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3. Freedom to personalise your living space 

“As an aesthete, I love transforming my living space into an IG-worthy haven. With my own house, there are no more restrictions from landlords so I can decorate as I please!” — Maria, 27

Owning a property offers you the creative freedom to transform your living space into your dream home. Not only that, renovations are also investments that can significantly boost your property’s value, opening up possibilities for higher resale or rental returns!

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4. Secure a legacy property for future generations 

“I’m so glad I bought this house. I feel at peace knowing that when I’m gone one day, my children will always have a place to call their own, or an asset to sell if they encounter financial difficulties.” — Siva, 35

A house is more than just property; it’s a legacy of safety and security for future generations. Passing down the property to younger generations also lifts huge financial burdens off their shoulders, securing their financial future! 

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5. Enjoy exclusive financial benefits 

“Do you know that property owners can enjoy exclusive tax benefits? I saved a few hundred thanks to these tax reliefs!” — Catherine, 29

Property owners in Malaysia are entitled to an array of financial benefits that can amount to significant savings. Here are just some of the incentives outlined in Budget 2023

  • Stamp duty exemptions for first-time homebuyers and property transfers between family members 
  • 2% reduction on individual income tax rate for M40 households 
  • Housing Credit Guarantee Scheme (HCGS) guarantees home financing for Malaysians with irregular incomes

Stress Asian Couple Man Woman Use Calculator Calculate Family Budget


While it’s easy to think that buying a property is nothing more than a huge financial burden, it’s crucial to look beyond the price tag and appreciate these silver linings that make it all worthwhile! 

If you’re in search of your forever home but feeling a bit lost, we’ve got an excellent suggestion for you:

Check out the brand-new Residensi ZIG, strategically located in Kepong and along Persiaran Putra Bayu! 

In case you’re curious, the name “ZIG” ingeniously fuses “zirah” and “gemilang,” encapsulating the idea of a glorious sanctuary that empowers residents to lead vibrant lives and freely express themselves.


Developed by the reputable Mega Legacy (M) Sdn Bhd (a joint venture between UEM Sunrise Berhad and Melati Ehsan Group), Residensi ZIG marks the second phase of the thriving Kiara Bay, an award-winning master-planned lakeside township in Kuala Lumpur. This service apartment soars to 57 levels, offering a total of 1,126 units thoughtfully designed across five distinct layouts:

  • Type A (450ft², 42m²): Studio
  • Type B (898ft², 83m²): 3 bedrooms + 2 bathrooms
  • Type C (998ft², 93m²): 3 bedrooms + 1 study + 2 bathrooms
  • Type D (1,135ft², 105m²): 4 bedrooms + 2 bathrooms
  • Type E (1,198ft², 111m²): 4 bedrooms + 3 bathrooms. This is a dual-key-enabled unit!

Co Living Space

Type E


To cater to different lifestyle needs, UEM Sunrise has also launched Happy+, a residential product series consisting of five distinctive segments with Residensi ZIG being part of the RISE series. This particular series comprises a collection of versatile and adaptive spaces designed to complement your unique lifestyle and offer you practical living through simplicity, leisure and convenience.

Home Work Zone

The attainable starter homes in the RISE series emphasise practical design with flexible spaces—perfect for first-time home buyers who value social connections and rich life experiences! Intrigued? Let us tell you why Residensi ZIG is one of the hottest picks in Kuala Lumpur:

  • Flexibility

Being part of the RISE series, Residensi ZIG offers a wealth of flexibility every homeowner would appreciate: 

    • Open flexi plan: adaptive interior designs to suit your needs at different life stages
      • Urban yard: uniquely designed space for more efficient clothes drying. 
      • Enhanced balcony: semi-outdoor space that can be transformed into a study area, lounge, lanai, kid’s play area or an extension of the living area.
      • Enclosable kitchen: to keep odours, heat, and noise at bay.
    • Fully furnished, move-in-ready ID packages available for selection
    • Hassle-free vacant possession arrangements for efficient leasing without house hacking

Type D

  • Strategically planned township 

Located in Kepong, one of the earliest townships in Kuala Lumpur, Residensi ZIG is surrounded by plenty of greenery and modern developments: 

    • Walking distance to three distinctive districts (The Waters, The Walk, and The Village) catering to various lifestyles
    • Conveniently situated near vibrant retails and scenic parks:
      • The Beat: an interim retail housing Malaysian-favourite brands like Common Space, Inside Scoop, Richeese Factory, and more!
      • Village Grocer: your friendly neighbourhood grocery store is opening its doors this December!
      • Kepong Metropolitan Park: expect a well-maintained playground, cycling track, boathouse, and even a football field!
    • Accessible via:
      • Public transportation: MRT Kepong Baru, Jinjang, Metro Prima, and Sri Delima
      • Major highways: Kuala Lumpur Middle Ring Road 2 (MRR2), Duta-Ulu Kelang Expressway (DUKE), Selayang-Kepong highway, and Damansara Puchong Expressway (LDP)

Facade Aerial View

  • Up to 40 facilities

Whether you’re an avid gamer or a sporty gym-goer, Residensi ZIG has got you covered with various well-maintained facilities that suit your different needs, including a gamer’s room, content creator’s room, bicycle room,  400m meandering jogging track, and many more!

Gym Room

Gamer S Room

  • Multi-tier security system 

To ensure a safe and peaceful living environment, Residensi ZIG boasts a robust security system:

    • Entrance and exit points: long range card access system with barrier gates and guard houses
    • Designated common areas: perimeter fences equipped with CCTV, frequently patrolled by security guards
    • Car lifts and designated common areas: card access system
    • 24-hour security services

Guard House


With its strategic location and top-tier facilities, Residensi ZIG shines as a beacon of promise for a comfortable and vibrant lifestyle. If you’re on the quest for your forever home, remember that your dream sanctuary awaits at Residensi ZIG! 

For more information regarding Residensi ZIG, visit their official website or download their e-brochure here.

Source: 123RF
Source: 123RF
Source: tirachardz

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