Calculate your total stamp duty when buying property in Malaysia MOT transfer duty, loan agreement duty, and first-time buyer exemptions. Updated for Budget 2026.
Enter your property details to get a complete breakdown of stamp duty payable.
Enter your property details on the left to calculate your full stamp duty breakdown.
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Generate Agreement RM79 →| Property Price | Rate (Citizens/PR) | Rate (Foreigners) |
|---|---|---|
| Up to RM500,000 (first-time buyer) | 0% Full Exemption ✓ | 8% flat rate |
| First RM100,000 | 1% | 8% flat rate |
| RM100,001 RM500,000 | 2% | 8% flat rate |
| RM500,001 RM1,000,000 | 3% | 8% flat rate |
| Above RM1,000,000 | 4% | 8% flat rate |
Loan Agreement Stamp Duty: 0.5% of loan amount for all buyers. First-time buyers purchasing properties up to RM500,000 are also exempted from loan stamp duty until 31 December 2027. Foreign buyers pay a flat 8% on the higher of purchase price or market value effective January 2026.
When buying property in Malaysia, you pay stamp duty on two documents: the Memorandum of Transfer (MOT) which transfers ownership to you, and the loan agreement if you're taking a mortgage. Both are significant costs that should be budgeted upfront.
Malaysian citizens purchasing their first residential property priced at RM500,000 or below are fully exempt from both MOT and loan stamp duty until 31 December 2027. This can save you up to RM9,000 in MOT duty plus loan stamp duty a significant reduction in upfront costs.
From January 2026, foreign buyers pay a flat 8% stamp duty on residential property purchases, up from the previous 4% flat rate. On a RM1 million property, this means RM80,000 in stamp duty alone nearly double what Malaysian citizens pay. Permanent residents are exempt from the higher rate and pay the standard tiered rates.
All instruments must be stamped within 30 days of execution in Malaysia. Late payment results in penalties of 5% to 20% of the deficient duty depending on how late the submission is. Pay via the STAMPS portal at stamps.hasil.gov.my or at any LHDN branch.