Disclaimer

Cost estimates

Every cost figure on this site, including the cost estimator's output and the estimate on each design page, is a construction cost estimate based on the rates published as at 2026-09-20. It is not a quotation and not an offer.

Estimates do not include:

• The price of the land
• Unusual earthworks — slopes, retaining walls, deep fill, deep piled foundations, soft ground
• Fencing, gates and landscaping
• Air-conditioning units, furniture, curtains and decorative lighting
• Quit rent, legal fees and stamp duty

A formal quotation is issued only after a site visit, because ground conditions, road access and the shape of the lot can change the cost of the site work significantly. The quotation is free.

Two figures in the catalogue

Our design catalogue shows an estimate calculated from each design's drawings, and the cost estimator shows an estimate calculated from the per-square-foot package rate. Both are estimates, calculated differently, and they can differ for the same house. We show both together and label them, rather than presenting either one as a binding figure.

Catalogue prices also do not rise strictly with floor area. That is not a mistake: roof shape, the number of corners and structural complexity matter more than floor area alone.

The financing eligibility tool

The eligibility tool gives an estimate based on publicly reported rules: an LPPSA rate of 4.00%, a financing limit of RM1,000,000, and a bank DSR ceiling of roughly 60–70%. Every assumption is shown on every result.

It is not, and cannot be, an approval decision. It does not check:

• Your CCRIS or CTOS record
• The stability and length of your employment
• The financier's internal policies, which differ between institutions
• A property valuation by a registered valuer

Approval and terms are decided entirely by LPPSA or the bank concerned. Golden Sharp Innovation does not make financing decisions, cannot guarantee them, and will not claim to.

The tool deliberately rounds down and uses the lower limit where public sources conflict. That means our estimate may be lower than your real eligibility — a choice we make on purpose.

The land readiness check

The land check is a screening tool based on the answers you give. It does not replace an official search at the Land Office, a surveyor's report, or a council check. The buildable-area estimate is a cautious planning figure, not an approval — the real building setbacks are set by your council and the shape of your lot.

Third-party information

Information about LPPSA, EPF, CIMB, Maybank, councils and other agencies on this site is compiled from public sources and can change without our knowing. Bank rates in particular are floating and depend on current campaigns — we show 4.30% as an estimate as at 2026-09-20, with its date, not as a rate offered to you.

We do not publish bank product names or terms, because we are not their agent. For current terms, contact the institution concerned directly.

Panel contractor status means our standing as a contractor has been assessed by the institution. It is not their endorsement of our products, and not a guarantee that your financing will be approved. Logos and trade marks belong to their respective owners.

Drawings and photographs

Plan drawings, floor areas and room counts are taken from our design records. Floor areas are built-up areas and can differ slightly from the finished measurements because of normal construction tolerances.

The photographs on the portfolio pages are site photos of our own projects. Stock photos are used elsewhere on this site for decorative and editorial purposes only, and never to represent a house we built. We do not use AI-generated images of houses.

The 3D views on the design cards are design sketches. The colours, finishes and landscaping shown are suggestions, not specifications included in the package.

Image copyright. All project photos, 3D views and plan drawings on this site are the copyright of Golden Sharp Innovation (IP0580950-X). You are welcome to share links to our pages. To use our images anywhere else, contact us for written permission.

Not professional advice

Nothing on this site is financial, legal, tax or engineering advice. Decisions about financing, land ownership structures, inheritance or building structure should be made with qualified professionals in the field concerned.

Accuracy and updates

We review the rates and rules on this site regularly, and every tool prints its effective date so you can see for yourself whether it is current. Current version: 2026.09c, effective 2026-09-20. If you find inaccurate or out-of-date information on this site, tell us and we will correct it.