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Stamp Duty & Legal Fees Calculator Malaysia 2026
Calculate stamp duty on MOT, loan agreement stamp duty, and legal fees for your property purchase — instantly and free.
Property Details
Stamp Duty on MOT
RM 9,000.00
| Tier | Rate | Amount |
|---|---|---|
| First RM 100,000 | 1% | RM 1,000.00 |
| RM 100,001 – RM 500,000 | 2% | RM 8,000.00 |
Legal Fees (MOT)
RM 5,000.00
Based on Solicitors' Remuneration Order tiered scale (min RM500)
Stamp Duty on Loan Agreement
RM 2,250.00
0.5% of loan amount (RM 450,000.00)
Legal Fees (Loan Agreement)
RM 4,500.00
Same tiered scale applied to loan amount
Total Upfront Costs
| Stamp Duty (MOT) | RM 9,000.00 |
| Legal Fees (MOT) | RM 5,000.00 |
| Stamp Duty (Loan) | RM 2,250.00 |
| Legal Fees (Loan) | RM 4,500.00 |
| Total | RM 20,750.00 |
First-time buyers purchasing properties up to RM500,000 may be eligible for stamp duty exemption on the MOT under the government's homeownership initiative.
Quick Answer
For a RM 500,000 residential property purchased by a Malaysian citizen, the estimated total upfront costs (stamp duty + legal fees) are RM 20,750.00. You may qualify for MOT stamp duty exemption as a first-time buyer.
Breakdown:
MOT Stamp Duty: RM 9,000.00 | Legal Fees (MOT): RM 5,000.00
Loan Stamp Duty: RM 2,250.00 | Legal Fees (Loan): RM 4,500.00
MOT Stamp Duty Calculator Malaysia 2026
The Memorandum of Transfer (MOT) stamp duty is the largest upfront cost when buying property in Malaysia. LHDN (Lembaga Hasil Dalam Negeri) requires stamp duty to be paid before the transfer document can be registered with the land office. Use the calculator above to compute your exact MOT stamp duty based on current LHDN rates.
| Property Value | Stamp Duty Rate |
|---|---|
| First RM100,000 | 1% |
| RM100,001 – RM500,000 | 2% |
| RM500,001 – RM1,000,000 | 3% |
| Above RM1,000,000 | 4% |
These LHDN stamp duty rates apply to the property purchase price or market value, whichever is higher. Stamp duty must be paid within 30 days of executing the MOT document — late stamping incurs penalties of up to 4× the original duty.
SPA Legal Fees Calculator Malaysia 2026
The Sale and Purchase Agreement (SPA) legal fees are regulated by the Solicitors' Remuneration Order and cannot be negotiated. Your lawyer charges this fee for preparing the SPA and MOT documents. A separate set of legal fees also applies to the loan agreement with your bank.
| Property Value | Legal Fee Rate |
|---|---|
| First RM500,000 | 1.00% |
| RM500,001 – RM1,000,000 | 0.80% |
| RM1,000,001 – RM3,000,000 | 0.70% |
| RM3,000,001 – RM5,000,000 | 0.60% |
| Above RM5,000,000 | 0.50% |
Minimum legal fee is RM500. Note that you pay legal fees twice — once for the SPA/MOT and once for the loan agreement — each calculated on their respective amounts (purchase price and loan amount).
Frequently Asked Questions
How is stamp duty calculated in Malaysia?
Stamp duty on Memorandum of Transfer (MOT) in Malaysia is calculated on a tiered basis: 1% on the first RM100,000, 2% on RM100,001–RM500,000, 3% on RM500,001–RM1,000,000, and 4% on amounts above RM1,000,000. The rates apply to the purchase price or market value, whichever is higher.
What are the legal fees for buying property in Malaysia?
Legal fees for property transactions in Malaysia are regulated by the Solicitors' Remuneration Order. The scale is: 1% on the first RM500,000, 0.8% on RM500,001–RM1,000,000, 0.7% on RM1,000,001–RM3,000,000, 0.6% on RM3,000,001–RM5,000,000, and 0.5% on amounts above RM5,000,000, with a minimum fee of RM500.
Do first-time buyers get stamp duty exemption?
Yes, first-time Malaysian homebuyers purchasing properties priced up to RM500,000 may be eligible for full stamp duty exemption on the Memorandum of Transfer (MOT) under the government's homeownership initiative. This can save buyers up to RM9,000 in stamp duty costs.
Is stamp duty different for foreigners?
The stamp duty rates on MOT are the same for Malaysians, Permanent Residents, and foreigners. However, foreigners face other restrictions such as minimum property purchase prices (generally RM1,000,000 and above) and may need state authority consent for the transaction.
What is MOT (Memorandum of Transfer)?
MOT stands for Memorandum of Transfer, which is the legal document used to transfer ownership of a property from the seller to the buyer in Malaysia. Stamp duty must be paid on the MOT before it can be registered with the relevant land office, making it a mandatory cost in any property purchase.
What is the stamp duty rate in Malaysia 2026?
The stamp duty rates on MOT in Malaysia for 2026 are: 1% on the first RM100,000, 2% on RM100,001–RM500,000, 3% on RM500,001–RM1,000,000, and 4% on amounts above RM1,000,000. These LHDN rates apply to all buyers — citizens, PRs, and foreigners alike.
How much is LHDN stamping fee?
LHDN (Lembaga Hasil Dalam Negeri) stamping fees for property transactions follow the tiered MOT stamp duty rates above. For a loan agreement, the LHDN stamping fee is 0.5% of the loan amount. LHDN stamps must be affixed before documents are legally valid — unstamped documents cannot be admitted as evidence in court.
How to calculate MOT stamp duty in Malaysia?
To calculate MOT stamp duty: apply 1% to the first RM100,000, then 2% on the next RM400,000, then 3% on the next RM500,000, and 4% on any amount above RM1,000,000. For example, a RM500,000 property: (RM100,000 × 1%) + (RM400,000 × 2%) = RM1,000 + RM8,000 = RM9,000 total stamp duty.
Is stamp duty exempted for first-time buyers?
Yes, first-time Malaysian homebuyers purchasing properties priced up to RM500,000 may qualify for 100% stamp duty exemption on the MOT. This exemption can save up to RM9,000 in stamp duty costs. The exemption applies to the instrument of transfer only — loan agreement stamp duty (0.5%) is not exempted.
What is SPA legal fees in Malaysia?
SPA (Sale and Purchase Agreement) legal fees in Malaysia follow the Solicitors' Remuneration Order: 1% on the first RM500,000, 0.8% on RM500,001–RM1,000,000, 0.7% on RM1,000,001–RM3,000,000, 0.6% on RM3,000,001–RM5,000,000, and 0.5% above RM5,000,000, with a minimum of RM500. For a RM500,000 property, SPA legal fees would be RM5,000.
Kira Duti Setem Malaysia 2026 — Fi Guaman Rumah & Duti Setem MOT
Duti setem MOT adalah cukai yang dikenakan oleh LHDN ke atas dokumen pindah milik hartanah di Malaysia. Kadar duti setem dikira secara berperingkat: 1% untuk RM100,000 pertama, 2% hingga RM500,000, 3% hingga RM1,000,000, dan 4% melebihi RM1,000,000.
Pembeli juga perlu menanggung fi guaman rumah untuk penyediaan dokumen MOT dan perjanjian pinjaman (SPA). Fi guaman dikira berdasarkan skala Perintah Saraan Peguam. Duti setem perjanjian pinjaman adalah 0.5% daripada jumlah pinjaman.
Pembeli rumah pertama (hartanah sehingga RM500,000) mungkin layak mendapat pengecualian duti setem MOT di bawah inisiatif pemilikan rumah kerajaan. Gunakan kalkulator kira duti setem Malaysia di atas untuk menganggarkan kos pendahuluan pembelian hartanah anda pada tahun 2026.