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.
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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 covers both the transfer and the loan agreement, for properties ≤ RM500,000
- Exemption applies to SPAs executed from 2026-01-01 to 2027-12-31
- 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
What is stamp duty in Malaysia?
Is there a stamp duty exemption for first-time buyers?
Are legal fees included in this calculator?
Related Calculators
When you purchase property in Malaysia, two types of stamp duty are payable to LHDN: Memorandum of Transfer (MOT) stamp duty on the transfer of ownership, and Loan Agreement stamp duty on the loan documents. Both are governed by the Stamp Act 1949.
Stamp duty is typically the largest upfront cost outside the downpayment and legal fees. Understanding exactly how it's calculated will help you budget accurately for your property purchase.
Part 1: Memorandum of Transfer (MOT) Stamp Duty
MOT duty is charged on the property purchase price (or market value, whichever is higher) using a progressive rate structure:
| Property Price Tier | Rate | Duty on This Tier | Cumulative Cap |
|---|---|---|---|
| First RM100,000 | 1% | RM1,000 | RM1,000 |
| RM100,001 – RM500,000 | 2% | Up to RM8,000 | RM9,000 |
| RM500,001 – RM1,000,000 | 3% | Up to RM15,000 | RM24,000 |
| Above RM1,000,000 | 4% | Uncapped | RM24,000 + |
Worked Example: RM650,000 Property
First RM100,000 × 1% = RM1,000
Next RM400,000 × 2% = RM8,000
Remaining RM150,000 × 3% = RM4,500
Total MOT Stamp Duty = RM13,500
Part 2: Loan Agreement Stamp Duty
A flat rate of 0.5% is charged on the loan amount (not the property price). This applies to the total housing loan amount taken from the bank.
Example: If your loan is RM585,000 → Loan stamp duty = RM2,925.
First-Time Buyer Exemptions
Malaysian citizens who have never owned residential property pay no stamp duty at all on a home priced up to RM500,000. The waiver is 100% and it covers both instruments, not just the transfer.
- The MOT and the loan agreement: the 0.5% loan agreement duty is waived too. On a RM500,000 purchase at 90% financing that is RM9,000 of MOT duty and RM2,250 of loan duty, both reduced to RM0.
- SPA execution window: the sale and purchase agreement must be executed between 1 January 2026 and 31 December 2027, following the extension announced at Budget 2026.
- It is a threshold, not a first slice: one ringgit above RM500,000 and the normal progressive rates apply to the entire price.
- Submit PDS 1 (Property Declaration Form) and required documents to claim the exemption at time of stamping.
When Must Stamp Duty Be Paid?
- Stamp duty must be paid within 30 days of the SPA signing date (within Malaysia) or 30 days of the instrument being brought into Malaysia if signed overseas.
- Late payment incurs a penalty of 5% per annum on the outstanding duty.
- e-Stamping can be done via LHDN's Stamp Assessment and Payment System (STAMPS) portal at stamps.hasil.gov.my.