Buying Costs Calculator

Tool · Updated September 2026 · 中文版

How much cash do you actually need on day one? Enter the price, who you are and your loan margin. The calculator adds up the down payment, stamp duty, legal fees and, for foreigners buying in Johor, the state consent levy.

What the calculator assumes

• Stamp duty for Malaysians and PRs: 1% on the first RM100,000, 2% up to RM500,000, 3% up to RM1 million and 4% above that.
• Foreigners: a flat 8% on residential property from 1 January 2026 (Malaysian PRs excluded).
• Loan agreement: 0.5% stamp duty on the loan amount.
• Legal fees: 1.25% on the first RM500,000 and 1% after that (minimum RM500), for both the purchase and the loan, plus 8% SST.
• First-home exemption: Malaysian citizens buying a first home up to RM500,000 pay no stamp duty on the transfer or loan agreement, until 31 December 2027.

For what these costs mean in practice, read Legal fees: you’re paying three, not one and 6 hidden costs nobody tells you about.

Estimates only, for general information. Actual amounts depend on your lawyer, bank and the relevant state authority. Sources: Malaysian Bar: SRO 2023; stamp duty changes from 1 January 2026; Johor foreigner approval fees from July 2025. By Jason Lim (REN 84424, IQI Realty Sdn. Bhd. E (1) 1584/6).