Stamp Duty Calculator Malaysia 2026: How Much Will You Pay?

How Stamp Duty Works in Malaysia

When you buy property in Malaysia, you pay stamp duty on two documents: the Memorandum of Transfer (MOT) and the loan agreement. These are separate charges calculated on different amounts.

MOT Stamp Duty Rates (2026)

The transfer stamp duty is calculated on a tiered basis applied to the property price or market value, whichever is higher.

First RM100,000: 1% (RM1,000). Next RM400,000 (RM100,001 to RM500,000): 2% (RM8,000). Next RM500,000 (RM500,001 to RM1,000,000): 3% (RM15,000). Above RM1,000,000: 4%.

Quick Calculations by Property Price

On a RM300,000 property: RM1,000 + RM4,000 = RM5,000 stamp duty.

On a RM500,000 property: RM1,000 + RM8,000 = RM9,000 stamp duty.

On a RM700,000 property: RM1,000 + RM8,000 + RM6,000 = RM15,000 stamp duty.

On a RM1,000,000 property: RM1,000 + RM8,000 + RM15,000 = RM24,000 stamp duty.

On a RM1,500,000 property: RM1,000 + RM8,000 + RM15,000 + RM20,000 = RM44,000 stamp duty.

Loan Agreement Stamp Duty

Calculated at a flat 0.5% of the loan amount.

On a RM450,000 loan: RM2,250. On a RM630,000 loan: RM3,150. On a RM900,000 loan: RM4,500.

First-Time Buyer Exemption (Until December 2027)

Malaysian citizens purchasing their first residential property priced at RM500,000 or below receive 100% exemption on both MOT stamp duty and loan agreement stamp duty. This is extended under Budget 2026 until 31 December 2027.

On a RM500,000 property, this saves you: RM9,000 (MOT) + RM2,250 (loan) = RM11,250 total savings.

This is significant. If your target property is between RM480k and RM520k, staying at or below RM500k saves you over RM11,000 in stamp duty alone. That RM20k price difference could actually cost more than it saves once stamp duty kicks in.

Requirements to Qualify for Exemption

You must be a Malaysian citizen. You must never have owned any residential property previously. The SPA must be executed within the exemption period (by December 2027). The property must be priced at RM500,000 or below.

“Never owned” means any property ever registered under your name — even if you sold it, even if you never lived there. Joint ownership counts. Inherited property counts.

Our Advice

If you’re a first-time buyer, structure your purchase to maximise the exemption. A RM495k property saves you RM11,000+ compared to a RM505k property. That’s real money — equivalent to several months of maintenance fees.

If you’re buying above RM500k, stamp duty is unavoidable. Budget for it as part of your upfront costs. Many buyers forget to include stamp duty in their financial planning and scramble for cash at signing.

Some developers offer to absorb stamp duty as part of their sales package. Always ask — the worst they can say is no.