Total Buying Cost Calculator Malaysia
Most buyers save for the 10% down payment and forget everything else. This adds up the stamp duty, legal fees, valuation and insurance you also need before you get the keys.
Malaysia 2026 rates · reviewed 2026-08-13
Total cash you need
RM 63,225.00
≈ 12.65% of the property price
- Down payment
- RM 50,000.00
- Stamp duty (MOT)
- Exempted (saved RM 9,000.00)
- Stamp duty (loan)
- Exempted (saved RM 2,250.00)
- Legal fees (S&P)
- RM 6,250.00
- Legal fees (loan)
- RM 5,625.00
- Valuation fee
- RM 1,050.00
- Fire insurance (1st year)
- RM 300.00
- MRTA
- RM 0.00
- Total
- RM 63,225.00
First-home exemption saved you RM 11,250.00
Reference rates
Stamp duty (Instrument of Transfer / MOT)
| Band | Rate |
|---|---|
| First RM100,000 | 1% |
| RM100,001 – RM500,000 | 2% |
| RM500,001 – RM1,000,000 | 3% |
| Above RM1,000,000 | 4% |
| Foreign buyers (any value) | flat 8% |
| Loan agreement (of loan amount) | 0.5% |
Legal fees — Solicitors’ Remuneration Order 2023
| Band | Rate |
|---|---|
| First RM500,000 | 1.25% |
| Next RM7,000,000 | 1% |
| Minimum fee | RM500 |
Valuation fee — Seventh Schedule
| Band | Rate |
|---|---|
| First RM100,000 | 0.25% |
| Next RM2,000,000 | 0.2% |
| Next RM7,000,000 | 0.167% |
You know the cash you need. Would the loan get approved?
The figures above are pure arithmetic — they do not check any bank's rules. Our DSR calculator runs your numbers through each bank's actual limits.
Check if the bank would approve →Indicative estimates for planning only — not legal or tax advice. Fire insurance and MRTA are example figures; your bank will quote the actual premiums. These rates follow the consistent public position of several Malaysian law firms and property platforms; they could not be confirmed directly against LHDN's own site, whose relevant pages were unreachable when checked. Confirm figures with your conveyancing lawyer.
Frequently asked questions
- How much cash do I need to buy a house in Malaysia?
- Budget for a lot more than the down payment. On a RM500,000 home with a 90% loan you need the RM50,000 down payment plus roughly RM13,000 of legal fees, valuation and insurance — and that is with the first-home stamp duty exemption applied. Without the exemption, add about another RM11,250.
- What costs do first-time buyers still have to pay?
- The exemption covers stamp duty on the transfer and on the loan agreement, and nothing else. You still pay both sets of legal fees, the bank's valuation fee, the first year of fire insurance, and MRTA if you take it.
- Is the agent's commission part of my buying cost?
- No. In a Malaysian subsale, the seller pays the agent's commission, not the buyer. That is why it is not in this calculator.
- Do I have to take MRTA?
- It is not compulsory, though some banks price the loan on the assumption you will. If you do take it, the single premium can often be financed into the loan — which means paying interest on it for the full tenure. Enter your own quote above to see the cash impact.
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