Jika ada kerosakan, pemilik rumah tidak memulangkan deposit.

Jika means if. It introduces a condition:

• Jika ada kerosakan = If there is damage

This is a standard, neutral way to make an if-clause in Malay.
A more conversational alternative is kalau:

• Kalau ada kerosakan, pemilik rumah tidak memulangkan deposit.

That means the same thing, but jika sounds a bit more formal or written.

Here, ada means something like there is / there are / exists.

So:

• ada kerosakan = there is damage / if any damage exists

Malay does not need a word like English there in this structure.
So instead of saying there is damage, Malay simply says ada kerosakan.

In other contexts, ada can also mean have, depending on the sentence.

Because Malay often uses an existential structure without a separate subject:

• ada kerosakan = there is damage

English needs a dummy subject: there is damage.
Malay does not. It is completely normal to say just ada + noun.

So this part is not missing anything. It is already a complete and natural Malay expression.

Kerosakan means damage, a defect, or a breakdown, depending on context.

It comes from the root rosak, which means damaged, broken, or spoiled.

A very common word-building pattern in Malay is:

• rosak = broken, damaged
• kerosakan = damage, damage/problem/breakdown

In this sentence, kerosakan most naturally means damage to the property.

Because rosak is usually an adjective or a descriptive word meaning broken/damaged, while kerosakan is a noun meaning damage.

Compare:

• Rumah itu rosak. = The house is damaged.
• Ada kerosakan pada rumah itu. = There is damage to the house.

In your sentence, the meaning needed is the noun damage, so kerosakan is the correct choice.

Literally, pemilik rumah means owner of the house:

• pemilik = owner
• rumah = house/home

In context, this often corresponds to the landlord or the homeowner.

So depending on the situation, you might translate it as:

• the landlord
• the homeowner
• the owner of the house

Malay often chooses a phrase that is slightly more literal than the most idiomatic English translation.

Because tidak is used to negate verbs and adjectives, while bukan is mainly used to negate nouns and noun phrases.

Here, the word being negated is the verb:

• memulangkan = to return / give back

So:

• tidak memulangkan = does not return

Compare:

• Dia tidak datang. = He/She did not come.
• Dia bukan guru. = He/She is not a teacher.

Since memulangkan is a verb, tidak is the correct negator.

Memulangkan means to return something or to give something back.

It is built from the root pulang, which usually means to go home or to return.
With the affixes meN- ... -kan, it becomes a transitive verb meaning to return something.

So:

• pulang = return/go home
• memulangkan = return something, send something back, give back

In this sentence:

• memulangkan deposit = return the deposit

This is a very common feature of Malay: roots often change meaning slightly when prefixes and suffixes are added.

Malay often leaves tense and time reference to context.

So:

• tidak memulangkan can mean does not return, did not return, or will not return, depending on the situation.

In a sentence with jika (if), English often prefers will not return:

• Jika ada kerosakan, pemilik rumah tidak memulangkan deposit.
• Natural English meaning: If there is damage, the landlord will not return the deposit.

If you want to make the future meaning more explicit in Malay, you can say:

• Jika ada kerosakan, pemilik rumah tidak akan memulangkan deposit.

That more clearly means will not return.

Because Malay generally does not use articles like a, an, or the.

So a bare noun can mean:

• a deposit
• the deposit

depending on context.

Likewise:

• pemilik rumah can mean a homeowner, the homeowner, or the landlord, depending on the situation.
• deposit can mean a deposit or the deposit.

Malay relies much more on context than English does for definiteness.

Yes. Deposit is widely used in Malay as a loanword.

In everyday Malay, especially in rental or payment contexts, deposit is very common and natural.

A more formal or legal-sounding alternative might be:

• wang cagaran

But in ordinary speech and writing, deposit is extremely normal.

Yes. You can also say:

• Pemilik rumah tidak memulangkan deposit jika ada kerosakan.

This has the same basic meaning:

• The landlord does not/will not return the deposit if there is damage.

When the if-clause comes first, as in your original sentence, it often gives a bit more emphasis to the condition:

• Jika ada kerosakan, ...

Both word orders are natural.

The comma is common and helpful when the conditional clause comes first:

• Jika ada kerosakan, pemilik rumah tidak memulangkan deposit.

It makes the sentence easier to read, much like in English:

• If there is damage, the landlord will not return the deposit.

In informal writing, people may sometimes omit it, but using the comma here is perfectly normal and clear.

Often, yes.

• jika = neutral to formal
• kalau = more conversational
• sekiranya = more formal/literary

So in everyday speech, many speakers would naturally say:

• Kalau ada kerosakan, pemilik rumah tak memulangkan deposit.

Notice that in speech, tidak often becomes tak.

Your original sentence with jika is still correct and natural, especially in writing.