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Quick calculator guide

How to use Stamp Duty Calculator Malaysia

Calculate stamp duty on property purchase (MOT) and loan agreement in Malaysia. Results are educational estimates, not official approval or advice.

  1. 1

    Enter purchase price and financing

    Add the property consideration and loan amount, then select only exemptions or ownership conditions that actually apply.

  2. 2

    Review MOT and loan duty separately

    Check transfer stamp duty, loan-agreement duty and the combined estimate rather than treating them as one fee.

  3. 3

    Test price and loan scenarios

    Change property price or financing amount to compare how cash transaction costs move.

Before relying on the result

  • Confirm eligibility for exemptions and the dutiable values of the actual instruments with your lawyer or LHDN.
  • Notice the rate date and assumptions stated on the page.
  • Confirm important decisions with the relevant bank, employer, or authority.
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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

Property priceRM500,000.00
MOT stamp duty (gross)RM9,000.00
MOT stamp duty (net)RM9,000.00
Loan amountRM450,000.00
Loan agreement stamp duty (0.5%)RM2,250.00
Total stamp dutyRM11,250.00
AI Stamp Duty Check

A Pro score for MOT cost, loan duty, and exemption eligibility signals.

AI verdict

NORMAL

Score 78/100

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

Cost

2.3%

Duty

RM 11,250

Loan

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

Sign in to try this Pro AI feature.

Stamp duty planning assistant

Ask Pro AI whether these duty costs look heavy, what exemptions deserve checking, and how to plan the purchase budget.

Current calculator result10 shared answers or calculations / monthEducational tips only

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

  1. MOT stamp duty: 1% on first RM100,000
  2. + 2% on RM100,001 – RM500,000
  3. + 3% on RM500,001 – RM1,000,000
  4. + 4% on amounts above RM1,000,000
  5. Loan agreement stamp duty = Loan amount × 0.5%
  6. 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 covers both the transfer and the loan agreement, for properties ≤ RM500,000
  • Exemption applies to SPAs executed from 1 January 2026 to 31 December 2027
  • 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

Information last reviewed: 2026-05-20 · Result type: official-rate implementation

Frequently Asked Questions

Related Calculators

Home Loan Calculator Malaysia→SST Calculator Malaysia→
Report an issue or outdated rate

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.