Calculate MOT stamp duty and loan stamp duty when buying Malaysian property. First-time buyer exemption to December 2027 included. 2026 rates.
Calculate Purchase Stamp Duty
Usually 90% of property price (10% down payment).
MOT stamp duty
Loan stamp duty
Exemption applied
Exemption expires
Dec 2027
MOT Stamp Duty Rates 2025
First RM100,000
1%
RM100,001 – RM500,000
2%
Above RM500,000
3%
First-timer below RM500K
Exempt until Dec 2027
Loan stamp duty (all buyers)
0.5%
Key Facts - Property Purchase Costs Malaysia
First-time buyers purchasing property at RM500,000 and below are exempt from MOT stamp duty until December 2027. Loan stamp duty of 0.5% still applies. Other upfront costs include legal fees (around 1%), valuation fees (0.25%), and agent commission if applicable. Total upfront costs for a typical first-home purchase are approximately 10–15% of property value.
Source: LHDN Malaysia · Stamp Act 1949 · Updated 2026