Stamp Duty Calculator

MOT stamp duty, loan agreement duty & legal fees for property purchases in Malaysia

Property Details
Exemption for citizens buying ≤ RM500k (until Dec 2027)
For loan agreement stamp duty (0.5%)
Cost Breakdown
Total Upfront Costs
RM 0
MOT Stamp Duty-
Loan Agreement Duty (0.5%)-
Legal Fees (MOT)-
Legal Fees (Loan)-
Disbursement (est.)-

How Stamp Duty Works in Malaysia

Stamp duty on property transfers (MOT) uses a progressive tiered system for Malaysian citizens and PRs: 1% on the first RM100,000, 2% on RM100,001–500,000, 3% on RM500,001–1,000,000, and 4% above RM1,000,000.

Foreign Buyers (2026)

From 1 January 2026, non-citizens and foreign companies pay a flat 8% stamp duty on residential property transfers, up from 4%. Permanent residents are exempt from the foreign rate.

First-Time Buyer Exemption

Malaysian citizens purchasing their first home at RM500,000 or below receive full stamp duty exemption on both MOT and loan agreement, valid for SPAs executed until 31 December 2027.

Loan Agreement Stamp Duty

A flat 0.5% stamp duty applies to loan/financing agreements for property purchases.

Method, example & sources

Last updated 21 June 2026
Assumptions & worked example

RM500,000 property, Malaysian/PR, no first-home exemption → MOT duty RM9,000. A RM450,000 financing agreement adds RM2,250 loan duty, before legal fees and disbursements.

Official checks

Educational estimate only. Known limitations: Exemptions depend on eligibility and instrument dates; legal fees can vary within permitted rules. Confirm with LHDN and your solicitor before a transaction.