Stamp Duty Calculator Malaysia
Calculate stamp duty on property transfer (MOT) and loan agreement for your home purchase.
Enter 0 for cash purchase
Total Stamp Duty
RM11,250.00
A Pro score for MOT cost, loan duty, and exemption eligibility signals.
AI verdict
NORMAL
Costs look normal, but keep extra cash for disbursements and edge cases.
Keep SPA, loan, valuation, receipt, and tax documents together.
78
out of 100
2.3%
RM 11,250
RM 450,000
Main reason
- Costs look normal, but keep extra cash for disbursements and edge cases.
Good signals
- Estimated transaction cost is within a manageable share of property value.
How to improve the decision
- Keep SPA, loan, valuation, receipt, and tax documents together.
- Budget extra cash for disbursements, searches, bank charges, and professional advice.
- Confirm first-time buyer eligibility and loan amount before signing.
AI explanation
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Stamp duty planning assistant
Ask Pro AI whether these duty costs look heavy, what exemptions deserve checking, and how to plan the purchase budget.
AI will use this context
My stamp duty estimate
Property price RM500,000, loan RM450,000, first-time buyer no, total stamp duty RM11,250.
Educational planning tips only, not licensed financial advice.
Formula Breakdown
- MOT stamp duty: 1% on first RM100,000
- + 2% on RM100,001 – RM500,000
- + 3% on RM500,001 – RM1,000,000
- + 4% on amounts above RM1,000,000
- Loan agreement stamp duty = Loan amount × 0.5%
- Total stamp duty = MOT duty + Loan duty
Assumptions
- MOT rates from Stamp Act 1949, First Schedule (as of 2026)
- Loan agreement stamp duty fixed at 0.5% of loan amount
- First-time buyer exemption applies only for properties ≤ RM500,000
- Legal fees are not included
- Sub-sale (secondary market) properties assumed
This calculator provides estimates only. KiraSmart is not financial advice. Please verify with official sources or professionals before making decisions. Read full disclaimer
Rates last reviewed: 2026-05-20 · Accuracy: official
Frequently Asked Questions
Related Calculators
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KiraSmart Stamp Duty Estimate Report
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Input Details
| Property Price | RM 500,000.00 |
| Loan Amount | RM 450,000.00 |
| First-Time Buyer | No |
Calculation Results
| Total Stamp Duty | RM11,250.00 |
| Property price | RM500,000.00 |
| MOT stamp duty (gross) | RM9,000.00 |
| MOT stamp duty (net) | RM9,000.00 |
| Loan amount | RM450,000.00 |
| Loan agreement stamp duty (0.5%) | RM2,250.00 |
Additional Notes (Handwritten)
This report was automatically generated by KiraSmart.my for estimation and general reference only. It does not constitute formal financial advice. Users are advised to verify values with relevant official bodies.
© 2026 KiraSmart. All rights reserved.
What is Property Stamp Duty in Malaysia?
When buying a property in Malaysia, buyers are required to pay stamp duty to the Inland Revenue Board (LHDN). Property stamp duty is divided into two primary categories: stamp duty on the Instrument of Transfer (MOT or Memorandum of Transfer) and stamp duty on the Loan Agreement.
1. MOT Stamp Duty (Progressive Scale)
MOT stamp duty is calculated using a tiered progressive scale based on the property price:
• 1% on the first RM100,000
• 2% on RM100,001 to RM500,000
• 3% on RM500,001 to RM1,000,000
• 4% on amounts above RM1,000,000
2. Loan Stamp Duty & First-Time Exemptions
Stamp duty on the loan agreement is a flat rate of 0.5% of the total borrowed amount. However, first-time homebuyers in Malaysia may qualify for 100% stamp duty exemption on both MOT and loan agreements for properties priced up to RM500,000.