What Is
Cashback Property?
Buy a property, become a homeowner, and explore opportunities to receive cashback as part of an eligible property transaction.
Yes, you may be able to own a property and receive cashback at the same time.
But how does it actually work?
Let’s explain it in simple English.
Potential Cashback
Explore selected properties with cashback opportunities for eligible buyers.
Own a Real Property
You become the property owner when the purchase is completed.
Bank Financing
Understand your monthly repayment before making any decision.
How Does Cashback Property Work?
A Cashback Property is a selected property offered with a potential cashback benefit for eligible buyers.
You purchase the property through the normal buying process, usually with housing financing from a bank.
Depending on the property and agreed transaction terms, you may also receive cashback once the required conditions have been completed.
The property belongs to you, and you remain responsible for the monthly housing loan repayments.
You can choose to live in the property or consider renting it out.
- 01
Choose a Property
Find a selected property with a cashback opportunity.
- 02
Check Your Eligibility
Understand your financing options and monthly commitments.
- 03
Purchase the Property
Proceed with the bank and legal documentation.
- 04
Receive Eligible Cashback
Cashback is provided according to the approved and documented transaction terms.
- 05
Own Your Property
Move in, rent it out, or hold it as a long-term asset.
Any cashback must be supported by genuine, accurately documented transaction terms. A bank does not automatically provide additional cash, and cashback is not paid immediately upon approval.
Simple Property Cashback Calculation
Numbers are easier to understand when you can see them clearly.
Here is an example of how a property cashback opportunity might look.
All figures are illustrative, and the example loan amount assumes full financing purely to explain the mathematics. Actual financing margins, interest rates, cashback and eligibility depend on the bank and transaction.
If the property is rented out for RM1,500 per month and your housing loan repayment is RM1,815:
RM1,500 rental income − RM1,815 loan repayment = RM315 monthly shortfall.
This is before maintenance fees, insurance, taxes, repairs, vacancy periods and other ownership expenses.
The potential RM100,000 cashback is a separate, one-time transaction benefit. It is not monthly rental income and must not be included in the monthly cash-flow calculation.
Cashback, financing and rental income are not guaranteed.
Why Consider Cashback Property?
A property can be more than just a place to live.
With the right property and financing arrangement, you may also have access to additional financial opportunities.
Additional Cash Opportunities
Selected properties may offer cashback benefits to eligible buyers, subject to the agreed transaction conditions.
Explore Housing Loan Options
Property financing may offer different interest rates and repayment tenures compared with other forms of borrowing. Actual rates and repayments depend on your bank and loan terms.
Become a Property Owner
You are purchasing a physical property that you may live in, rent out, or sell in the future.
Potential Rental Income
If you do not plan to live in the property, you can explore renting it out. Rental income depends on location, demand, property condition and actual occupancy.
Potential Capital Appreciation
Property values may increase over time, but they can also decrease due to market conditions.
Live In, Rent Out or Sell
Depending on your plans and circumstances, you may choose how to use your property in the future.
Illustrative photography, including AI-edited people. Property photos are shown in the listings below.
How It Works, Step by Step
We guide you through the process, from understanding your eligibility to selecting a suitable property.
- 01Chat With Us
Tell Us What You Need
Let us know your preferred property, location, approximate budget and what you hope to achieve.
- 02Check Eligibility
Review Your Financing Options
Our team helps you understand the basic requirements and possible housing financing options. Final eligibility and approval are determined by the bank.
- 03Choose Your Property
Explore Selected Cashback Properties
We introduce suitable available properties and explain their prices, cashback terms and key details.
- 04Bank Financing
Proceed With The Application
Prepare the necessary documents and proceed through the bank’s assessment and property purchase process.
- 05Cashback Arrangement
Understand The Transaction Terms
Where the property offers an eligible cashback benefit, the applicable amount, conditions and payment timing must be clearly documented and satisfied.
- 06Own Your Property
Move In or Explore Renting It Out
Complete the property purchase and decide how you intend to use your new property.
More Cashback Property Examples
Different properties come with different prices, locations and potential cashback arrangements.
Explore selected property opportunities available through BelowMarket.
Questions About Cashback Property?
Is Property Cashback Legal?
Property cashback arrangements must be genuine, transparent and properly documented.
The property purchase, declared prices, financing details and cashback terms must comply with the applicable legal and banking requirements.
We do not support falsified documents or misleading information submitted to banks.
Who Can Apply?
Eligibility depends on your income, financial commitments, credit profile, the property selected and the bank’s financing requirements.
Our team can help you understand the basic requirements before you proceed.
When Will I Receive My Cashback?
Cashback timing depends on the specific property and the documented transaction terms.
Bank approval alone does not guarantee that cashback is immediately payable.
Can I Rent Out The Property?
Generally, owners may consider renting out their property, subject to any applicable financing, property or management restrictions.
Actual rental demand and income are not guaranteed.
Do I Need To Pay Any Upfront Fees?
Our initial eligibility discussion is free.
Property purchases may still involve legal fees, stamp duties, deposits, valuation fees and other costs depending on the transaction.
Our team can explain the applicable costs before you make a decision.
What If I Want To Sell My Property Later?
You may consider selling the property in the future, subject to ownership restrictions, financing settlement, applicable taxes, costs and prevailing market conditions.
Let’s Talk About Your Property Options.
Still unsure how Property Cashback works?
Tell us a little about what you are looking for.
Our team can explain the available property options, cashback conditions and basic financing requirements.
No pressure. Understand the process first before making any decision.