# ASCOLAW (Messrs Akmal Saufi & Co)

> ASCOLAW is the consumer brand of Tetuan Akmal Saufi & Co (Registration No. 00020004166), a Malaysian law firm established in 2014. It delivers transparent, plain-language legal services online — "solusi perundangan telus tanpa istilah rumit" (transparent legal solutions without confusing terminology) — to individuals and families across Malaysia. Practice areas: property and conveyancing, financing/loan documentation, estate administration and planning, and selected civil litigation.

Contact: help@ascolaw.co
Offices: Kuala Lumpur and Johor Bahru
Regulation: Advocates & Solicitors of the High Court of Malaya, regulated by the Malaysian Bar under the Legal Profession Act 1976
Languages: Bahasa Malaysia and English

## Tools

- [Legal Fee, Stamp Duty & RPGT Calculator](https://ascolaw.co/legal-fee-and-stamp-duty-calculator): Free bilingual (BM/EN) calculator for a Malaysian property transaction. Estimates conveyancing legal fees under the Solicitors' Remuneration Order 2023, MOT and loan stamp duty, state land-office registration fees, and Real Property Gains Tax (CKHT) — including the loan-agreement legal fee and 0.5% loan stamp duty, and the Budget 2026 first-time-buyer stamp duty exemption.

## Property Financing & Loan Documentation

- [Pinjaman Pembiayaan Bank — Bank Loan Documentation Lawyer](https://ascolaw.co/services/pinjaman-pembiayaan-bank): Acts as your loan-documentation lawyer for a property purchase financed by a bank — Loan/Facility Agreement, Charge, or Deed of Assignment — from letter of offer to disbursement. Covers conventional and Islamic (Tawarruq/Commodity Murabahah) financing. Explains that although the bank appoints from its panel, a buyer may request their own firm if it is on that bank's panel. Serves Kuala Lumpur, Selangor and the rest of Malaysia.
- [Pembiayaan LPPSA — Public-Sector Housing Financing](https://ascolaw.co/services/pembiayaan-lppsa): Loan documentation for civil servants financing a home through LPPSA, handled to LPPSA's specific procedure.

## Property Conveyancing

- [Jual Beli Subsale – Pembeli (Subsale Purchase, Buyer)](https://ascolaw.co/services/subsale-pembeli): Represents the buyer in a subsale property purchase — SPA, transfer, and coordination with the bank.
- [Jual Beli Subsale – Penjual (Subsale Sale, Seller)](https://ascolaw.co/services/subsale-penjual): Represents the seller, including redemption of any existing loan and RPGT compliance.
- [Perfection of Transfer (POT)](https://ascolaw.co/services/perfection-of-transfer): Registers a developer-title property into the buyer's name once the individual/strata title issues.
- [Perfection of Charge (POC)](https://ascolaw.co/services/perfection-of-charge): Registers the bank's charge on the newly issued individual/strata title.
- [Pindah Milik Kasih Sayang (Love-and-Affection Transfer)](https://ascolaw.co/services/pindah-milik-kasih-sayang): Family property transfers with the applicable stamp duty relief.
- [Pelepasan Gadaian (Discharge of Charge)](https://ascolaw.co/services/pelepasan-gadaian): Discharges the bank's charge after a loan is fully settled.
- [Penggantian Geran Hilang (Replacement of Lost Title)](https://ascolaw.co/services/penggantian-geran-hilang): Replacement of a lost, damaged, or destroyed title.
- [Kaveat Persendirian — Masuk Kaveat (Private Caveat Lodgement)](https://ascolaw.co/services/masuk-kaveat): Lodging a private caveat to protect an interest in land under s.323 National Land Code.
- [Kaveat Persendirian — Buang Kaveat (Caveat Removal)](https://ascolaw.co/services/buang-kaveat): Removal or withdrawal of a caveat via the Land Office or High Court.

## Estate Administration & Planning

- [Surat Kuasa Mentadbir (Letter of Administration)](https://ascolaw.co/services/letter-of-administration): High Court administration where there is no will.
- [Pembahagian Pusaka Kecil (Small Estate Distribution)](https://ascolaw.co/services/pembahagian-pusaka-kecil): Estate distribution through the Estate Distribution Unit (JKPTG).
- [Probet (Grant of Probate)](https://ascolaw.co/services/probet): Grant of probate to execute a valid will.
- [Wasiat (Will)](https://ascolaw.co/services/wasiat): Drafting a valid will.
- [Hibah](https://ascolaw.co/services/hibah): Lifetime gift of property as estate planning.

## Guides (Blog)

- [Dokumen Loan Rumah: Senarai Lengkap & Proses Selepas SPA Ditandatangani](https://ascolaw.co/blog/dokumen-loan-rumah-proses-lengkap-selepas-spa): The documents a lawyer needs for home-loan documentation and the full process timeline (letter of offer → documentation → stamping → registration → disbursement), plus Charge vs Deed of Assignment.
- [Pembiayaan Islamik vs Pinjaman Konvensional: Beza Dokumen Guaman](https://ascolaw.co/blog/beza-dokumen-guaman-pembiayaan-islamik-pinjaman-konvensional): How the legal documentation differs between Islamic home financing and a conventional loan — contract type (Loan Agreement vs Tawarruq/Commodity Murabahah), MRTA vs MRTT, and Ibra'.

## About & Legal

- [Terms of Use](https://ascolaw.co/legal/terms-of-use)
- [Privacy Policy](https://ascolaw.co/legal/privacy-policy)
- [Terms of Engagement](https://ascolaw.co/legal/terms-of-engagement)
- [Website Disclaimer](https://ascolaw.co/legal/website-disclaimer)