Property Purchase Cost Calculator Malaysia
Estimate your complete property acquisition costs including stamp duty, legal fees, loan documentation fees, valuation fees, SST and financing costs.
Whether you are buying your first home, investment property, commercial unit or industrial property, this calculator helps you understand the true upfront costs before committing to a purchase.
Calculate Your Property Purchase Cost
Enter your property details below to estimate the total cash required to complete your purchase.
2. Your Estimated Property Purchase Cost
We could not update the result just now, so these figures may be out of date.
- Property Purchase Price The price you entered, for reference against the costs below.
- RM0.00
- Estimated Loan Amount The purchase price multiplied by the loan margin.
- RM0.00
- Down Payment Required The part of the price the bank does not lend.
- RM0.00
- MOT Stamp Duty Duty on the transfer of ownership, on the standard 1% / 2% / 3% / 4% scale.
- RM0.00
- Loan Agreement Stamp Duty 0.5% of the loan amount.
- RM0.00
- SPA Legal Fee The scaled solicitor fee on the sale and purchase agreement.
- RM0.00
- Loan Legal Fee The same scale applied to the loan documentation.
- RM0.00
- Valuation Fee The standard valuation scale. A new build bought direct from the developer usually carries none.
- RM0.00
- Disbursement Estimate Land searches, registration and documentation. Estimated at RM1,500.
- RM1,500.00
- SST 8% service tax on the two legal fees only.
- RM0.00
- MRTA / MLTA Premium The premium you entered, or nothing if you left mortgage insurance out.
- RM0.00
- Total Upfront Cash Required Everything above added together — the cash you need to complete the purchase.
- RM1,500.00
- Estimated Monthly Loan Installment
- RM0.00
What Costs Should Property Buyers Expect?
Down Payment
The amount payable upfront before bank financing is applied.
Loan Agreement Stamp Duty
Duty payable on loan documentation executed with the bank.
MOT Stamp Duty
Tax payable when ownership is transferred from seller to buyer.
SPA Legal Fee
Legal fees charged for preparing and completing the Sale & Purchase Agreement.
Loan Legal Fee
Legal fees charged for preparing loan documentation.
Valuation Fee
Professional valuation required by banks before approving financing.
Disbursements
Administrative costs such as land searches, registration fees and documentation processing.
SST
Sales and Service Tax applicable to professional legal services.
MRTA / MLTA
Mortgage insurance protecting borrowers and outstanding loan balances.
Example Property Purchase Cost Scenarios
Example 1
RM300,000
Apartment
- Purchase Price
- RM300,000
- Loan Margin
- 90%
- Estimated Upfront Cash
- RM18,000 – RM25,000
Example 2
RM500,000
Condominium
- Purchase Price
- RM500,000
- Loan Margin
- 90%
- Estimated Upfront Cash
- RM25,000 – RM40,000
Example 3
RM1,000,000
Commercial Unit
- Purchase Price
- RM1,000,000
- Loan Margin
- 80%
- Estimated Upfront Cash
- RM80,000 – RM140,000
Why This Calculator Is Useful?
Calculate MOT
Stamp Duty Instantly
Estimate Loan
Agreement Stamp Duty
Estimate
Legal Fees
Free
To Use
Understand Total
Acquisition Costs
Compare Different
Financing Scenarios
Suitable For Residential, Commercial
& Industrial Properties
Frequently Asked Questions
-
The duty on the Memorandum of Transfer, the instrument that moves the title into your name. Rates are progressive — 1%, 2%, 3% then 4% by band — so a RM600,000 property pays RM12,000, not 3% across the board.
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Often, but eligibility turns on the property value, your ownership history and the rules in force when the agreement is signed. Thresholds are reviewed at each federal budget, so confirm with your solicitor or LHDN before budgeting on one.
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-
Usually yes. A financed purchase carries two sets — one on the sale and purchase agreement, one on the loan documentation — each charged on its own tiered scale from 1.25%, plus 8% SST on the fees themselves.
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A duty of 0.5% charged on the amount financed rather than the purchase price — RM2,250 on a RM450,000 loan. A cash purchase carries no loan agreement and so no duty; it is separate from MOT stamp duty, and a financed purchase pays both.
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-
MOT stamp duty is RM9,000 — 1% on the first RM100,000 plus 2% on the next RM400,000. Financed at a 90% margin, the loan agreement adds RM2,250, bringing the total to about RM11,250.
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Ready To Estimate Your
Property Purchase Costs?
Understand your total acquisition costs before committing to a property purchase.
