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Malaysia Property Stamp Duty Calculator

Calculate the stamp duty on a Malaysian property purchase - both the transfer (MOT) and the loan agreement.

RM
RM
Estimated stamp duty
RM 10,025.00
Property priceRM 450,000.00
Stamp duty on transfer (MOT)RM 8,000.00
Loan amountRM 405,000.00
Stamp duty on loan agreement (0.5%)RM 2,025.00
Total stamp dutyRM 10,025.00

First-time Malaysian home buyers may receive full stamp duty exemption for sale agreements signed in 2026-2027 (property value caps apply) - check the latest Budget.

Stamp duty when buying property in Malaysia

Buying a property triggers two separate stamp duties:

  • Transfer (MOT) stamp duty - charged on the property price on a tiered scale: 1% on the first RM100,000, 2% up to RM500,000, 3% up to RM1 million, and 4% above that.
  • Loan agreement stamp duty - a flat 0.5% of the amount you borrow.

These are paid on top of your down payment and legal fees, so factor them into your budget early.

First-time buyer exemptions

The government regularly offers stamp duty exemptions for first-time Malaysian home buyers. Budget 2026 provides full exemption on both the MOT and loan agreement for eligible first homes - check the latest rules and value caps before you buy.

Frequently asked questions

What is MOT stamp duty?
Stamp duty on the Memorandum of Transfer, the instrument that legally transfers ownership of the property to you. It is charged on a tiered percentage scale.
Is stamp duty payable on the loan?
Yes, a separate 0.5% stamp duty applies to the loan agreement with your bank.
Are there exemptions for first-time buyers?
Yes. The government periodically grants exemptions for first homes. Eligibility and price caps change with each Budget, so confirm the current rules.
When do I pay stamp duty?
During the transfer process, usually handled by your lawyer, before the property and loan documents are stamped.

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Figures are estimates for general guidance only, not financial advice. Rates verified 2026. Always confirm with the relevant authority before making a decision.