maintenance fee
cukai tanah
no lift (old liao how, find 2nd floor or town house better leh)
die liao give to relative ba, dont leave it there. make a simple will
think about old age, maybe u need go old folks home so this house no use also

those fees fees is about 3-4% of property price. so 90k u ready 4k also cukup liao.

insurance nt compulsory, and since u buying cash, no need bank loan = no need insurance

jus find a lawyer, they settle for u.

it is.