🏠 Stamp Duty Calculator Interactive

Calculate Malaysian stamp duty (MOT), legal fees, and total upfront property purchase costs. Includes first-time buyer stamp duty exemption for properties up to RM500,000.

Property Details

Property Purchase Price (RM)

Total agreed purchase price of the property

I am a first-time buyer (Malaysian citizen)

✓ First-time buyer exemption applies — stamp duty is fully waived for residential properties priced at or below RM500,000.

Home Loan Amount (RM) (optional)

Loan agreement stamp duty is 0.5% of loan amount (included if entered)

Your Results

Total Upfront Costs

—

stamp duty + legal fees + loan stamp duty

🎉 First-time buyer exemption saves you — in stamp duty!

Stamp Duty (MOT)

—

Legal Fees

—

Loan Stamp Duty

—

Total % of Price

—

📋 Full Cost Breakdown

Itemised upfront costs based on Malaysian stamp duty and legal fee schedules. Calculated automatically from your inputs above.

Cost Item	Basis / Rate	Amount
Enter a property price above to see the full breakdown.

📊 Malaysian Stamp Duty Rate Table (2024/2025)

Property Price Band	Rate	Duty on That Band
First RM100,000	1%	RM 1,000
RM100,001 – RM500,000	2%	Up to RM 8,000
RM500,001 – RM1,000,000	3%	Up to RM 15,000
Above RM1,000,000	4%	4% on excess

Stamp duty is tiered (progressive), not flat — a RM700,000 property is taxed 1% on the first RM100k, 2% on the next RM400k, and 3% on the remaining RM200k.

What is stamp duty in Malaysia? Stamp duty (also called MOT — Memorandum of Transfer) is a government tax paid when property ownership is transferred. It is paid to LHDN (Inland Revenue Board) and calculated on the purchase price. The buyer is responsible for paying stamp duty, typically 3–6 months after signing the Sale & Purchase Agreement (SPA). For loans, a separate stamp duty of 0.5% on the loan amount is also payable on the Loan Agreement.

💡 Tips for Malaysian Property Buyers

Stamp duty is not negotiable — it is a fixed legal obligation set by law, not a bank or developer charge.
First-time buyers enjoy a 100% stamp duty exemption on residential properties priced at or below RM500,000 — check eligibility before assuming you owe it.
Budget for legal fees separately — you'll need one lawyer for the SPA (paid by seller typically) and another for the loan agreement (paid by buyer).
Stamp duty is paid to LHDN within 30 days of signing the SPA to avoid late penalties.
For sub-sale properties, stamp duty is based on the higher of the purchase price or market value — LHDN may assess the property independently.
Under-declaring the purchase price to reduce stamp duty is illegal and can result in prosecution and back-taxes.
Keep your Borang 14A (transfer form) stamped — this is proof of ownership transfer registration with the Land Office.

🙋 Frequently Asked Questions

Who qualifies for the first-time buyer stamp duty exemption?

Malaysian citizens purchasing their first residential property priced at or below RM500,000 qualify for a full stamp duty exemption on the MOT (Memorandum of Transfer). This exemption applies to the transfer instrument only — not the loan agreement stamp duty. The exemption has been extended through Budget 2025.

What is the difference between stamp duty and legal fees?

Stamp duty is a government tax collected by LHDN. Legal fees are professional charges paid to your solicitor for preparing and filing the SPA and loan agreement. Both are upfront costs, but legal fees go to your lawyer, not the government. Legal fees are regulated by the Solicitors' Remuneration Order 2005.

What legal fees apply in Malaysia?

Legal fees for property transactions follow a tiered scale: 1% on the first RM500,000; 0.8% on RM500,001 to RM1,000,000; 0.5% above RM1,000,000. A minimum fee of RM500 applies. In practice, some lawyers charge slightly different rates — confirm with your solicitor before engaging.

Is stamp duty the same for all property types?

The tiered rate structure applies to residential and commercial properties. However, Bumiputera and government housing schemes, affordable housing, or properties under certain HOC (Home Ownership Campaign) periods may attract additional exemptions. Verify with your lawyer or LHDN.

When do I pay stamp duty?

Stamp duty is typically paid within 30 days of signing the Sale & Purchase Agreement (SPA). Late payment incurs a penalty. Your lawyer will usually handle payment on your behalf as part of the conveyancing process.

Does stamp duty apply to new developer properties?

Yes — stamp duty applies whether you buy from a developer (primary market) or a previous owner (sub-sale). For primary purchases, developers sometimes offer to absorb stamp duty as part of a promotion — always verify in writing what is included.

🔗 Related Tools

📖 Related Guides

Disclaimer: This calculator provides estimates for informational purposes only. Stamp duty rates, legal fee scales, and exemption eligibility are subject to change. Actual costs may vary based on property type, buyer status, applicable government schemes, and solicitor charges. Always verify with a licensed property lawyer or LHDN before making any property purchase decisions.