Stamp duty calculator Malaysia: transfer (MOT) and loan agreement
Buying property in Malaysia means two stamp duties: one on the transfer of the title (the memorandum of transfer, MOT) and one on the loan agreement. Enter the value and the loan to see both, for Malaysian and foreign buyers, with or without the first-home exemption.
- Stamp duty on the transfer (MOT)
- RM12,000
- Stamp duty on the loan agreement (0.5%)
- RM2,700
Total stamp dutyRM14,700
Rules last checked 2026-11-03. Estimates only, not legal or tax advice.
Stamp duty scale on a property transfer (Malaysian citizen or PR)
| Part of the value | Rate |
|---|---|
| First RM100,000 | 1% |
| Next RM400,000 (RM100,001 to RM500,000) | 2% |
| Next RM500,000 (RM500,001 to RM1,000,000) | 3% |
| Above RM1,000,000 | 4% |
Worked examples (Malaysian buyer, 90% loan, no exemption)
| Value | MOT stamp duty | Loan stamp duty | Total |
|---|---|---|---|
| RM300,000 | RM5,000 | RM1,350 | RM6,350 |
| RM500,000 | RM9,000 | RM2,250 | RM11,250 |
| RM600,000 | RM12,000 | RM2,700 | RM14,700 |
| RM800,000 | RM18,000 | RM3,600 | RM21,600 |
| RM1,000,000 | RM24,000 | RM4,500 | RM28,500 |
| RM1,500,000 | RM44,000 | RM6,750 | RM50,750 |
| RM2,000,000 | RM64,000 | RM9,000 | RM73,000 |
Duty is charged on the higher of the price and the market value.
Stamp duty and costs at a bank auction →
Frequently asked questions
- How is stamp duty on a house calculated in Malaysia?
- Malaysian citizens and permanent residents pay 1% on the first RM100,000, 2% on the next RM400,000, 3% on the next RM500,000 and 4% above RM1 million, on the higher of the price and the market value. A RM600,000 house comes to RM12,000.
- How much is stamp duty on the loan agreement?
- The loan agreement is stamped at 0.5% of the loan amount. A RM540,000 loan costs RM2,700.
- Is there a stamp duty exemption for first-time home buyers?
- Yes. A Malaysian citizen buying a first residential property with a market value up to RM500,000 is fully exempt on both the transfer and the loan agreement, for sale and purchase agreements executed by 31 December 2027 (P.U.(A) 53/2021 and 54/2021, as amended in December 2025). Budget 2027 proposes full exemption on the first RM500,000 and 50% on the rest up to RM750,000 for agreements from 2027 to 2030; this calculator does not apply that proposal until it is gazetted.
- What stamp duty do foreigners pay on property in Malaysia?
- Foreign buyers and foreign companies pay a flat 4% on the transfer, and 8% on residential property from 1 January 2026, instead of the 1% to 4% scale.
- Does stamp duty apply when I buy at a bank auction?
- Yes. The transfer is stamped on the higher of your winning bid and the market value, so a low bid does not always lower the duty. The first-home orders are worded around a sale and purchase agreement while an auction is sold by memorandum of sale or certificate of sale, so ask your lawyer whether your lot qualifies.
- Who pays the stamp duty, the buyer or the seller?
- The buyer pays stamp duty on both the transfer and the loan agreement, usually through the lawyer handling the purchase.
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