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Answer: Yes, our model is fully compliant with Malaysian property and tenancy laws. We do not operate as an unlicensed lender or provide loans. Instead, Homiq facilitates a structured tenancy arrangement where the property ownership may change hands, but the previous owner continues to reside in the property under a proper tenancy agreement (typically 3–5years). This structure is recognised and legal under Malaysian law and offers a safer, regulated alternative to high-risk borrowing