Calculate the stamp duty and legal fees on a Malaysian property purchase, so you know the full upfront cost before you buy.
Total upfront cost
RM 24,075.00
RM 11,250.00 stamp duty + RM 12,825.00 legal fees
Total upfront cost: RM 24,075.00
Total cost
RM 24,075.00
Excludes the down payment and disbursements. Legal fees use the SRO 2023 non-HDA scale and uses the maximum permitted 1% rate above RM7.5 million; HDA transactions, discounts and negotiated fees can differ. Confirm exemption eligibility and fees with your lawyer.
RM500k home purchase
Tiered 1%/2%/3%/4%, plus loan stamp duty and legal fees.
≈ RM9,000 MOT
RM1m property
1% + 2% + 3% across the price bands.
≈ RM24,000 MOT
How the figures above are worked out — the rules, rates and reasoning behind every line.
Buying a property in Malaysia means paying stamp duty on the transfer (MOT) and on your loan agreement, plus legal fees for both the sale agreement and the loan.
These costs are on top of your down payment, so factoring them in early avoids a nasty surprise at completion.
For Malaysian citizens and PRs, MOT stamp duty is tiered: 1% on the first RM100,000, 2% on the next RM400,000, 3% on the next RM500,000, and 4% above RM1,000,000.
Loan agreement stamp duty is a flat 0.5% of your loan amount. The calculator estimates non-HDA legal fees under SRO 2023; HDA transactions, permitted discounts, disbursements and negotiated fees above RM7.5 million can differ.
Under Budget 2026, Malaysian citizens buying their first residential property priced up to RM500,000 pay no stamp duty at all — both the MOT and the loan-agreement stamp duty are fully waived. On a RM500,000 home with a 90% loan that saves RM11,250.
The exemption needs the Sale and Purchase Agreement signed between 1 January 2026 and 31 December 2027, and you must never have owned a home before (including by inheritance or gift). It does not apply to foreigners, and homes above RM500,000 do not qualify. Toggle 'first-time home buyer' above to see it applied.
For citizens, MOT stamp duty is 1% on the first RM100,000, 2% up to RM500,000, 3% up to RM1,000,000 and 4% above. A RM500,000 home costs RM9,000 in MOT stamp duty.
Yes. Loan agreement stamp duty is 0.5% of your loan amount, separate from the MOT stamp duty on the transfer.
Yes. Under Budget 2026, Malaysian citizens buying their first home priced up to RM500,000 pay no MOT or loan-agreement stamp duty, for SPAs signed between 2026 and 2027. Above RM500,000 there is no exemption in this round.
From 1 January 2026, foreign individuals (excluding permanent residents) and foreign companies pay a flat 8% MOT stamp duty on residential property, up from 4% previously.
Every figure is based on official Malaysian sources. Always confirm against the originals before filing or making financial decisions.
MyKira is free thanks to ads, which may be personalised. See our Privacy Policy.