A Malaysian buyer with a 90% loan pays about RM50,000 in stamp duty and legal fees on a RM1mil new launch.
- Stamp duty: Malaysians pay 1–4% on the transfer and foreigners pay a flat 8%, plus 0.5% on the loan agreement.
- Legal fees: your lawyer charges once on the sale agreement (SPA) and once on the loan agreement.
- Developer packages: some developers pay the legal fees and some don’t. Our figures assume you pay them, which means a package can only bring your cost down.
How much are stamp duty and legal fees on a new launch?
Stamp duty and legal fees for a Malaysian buyer with a 90% loan come to about RM113,500 at RM2mil and RM304,000 at RM5mil.
| Price | Total | Stamp duty | Legal fees |
|---|---|---|---|
| RM800,000 | RM39,300 | RM21,600 | RM17,700 |
| RM1mil | RM50,000 | RM28,500 | RM21,500 |
| RM1.5mil | RM81,750 | RM50,750 | RM31,000 |
| RM2mil | RM113,500 | RM73,000 | RM40,500 |
| RM3mil | RM177,000 | RM117,500 | RM59,500 |
| RM5mil | RM304,000 | RM206,500 | RM97,500 |
- Stamp duty: the figure is the transfer and loan stamp duties together.
- Legal fees: the figure is the SPA and loan legal fees together, before SST and disbursements.
- Your own price: enter it in our stamp duty and legal fees calculator.
- Monthly instalment: see the figure for your loan on our home loan calculator.
How much stamp duty do foreign buyers pay?
Foreign buyers pay RM80,000 in transfer stamp duty on a RM1mil home, which is RM56,000 more than a Malaysian.
| Price | Foreign | Extra | Malaysian |
|---|---|---|---|
| RM1mil | RM80,000 | RM56,000 | RM24,000 |
| RM1.5mil | RM120,000 | RM76,000 | RM44,000 |
| RM2mil | RM160,000 | RM96,000 | RM64,000 |
| RM3mil | RM240,000 | RM136,000 | RM104,000 |
| RM5mil | RM400,000 | RM216,000 | RM184,000 |
- The rate: foreign buyers pay a flat 8% on residential transfers from 1 January 2026.
- Read next: can foreigners buy property in Malaysia?
Jewel by Oxley KLCC
200 m from the Twin Towers, 400 m from KLCC Park
Own stay 4.5/5Investment 4.2/5
- From
- RM1.572mil
- Bedrooms
- 1–3 bedrooms
- Completion
- Completed
SO/ Kuala Lumpur Residences
Managed by SO/ Sofitel, next to the Twin Towers
Own stay 4.3/5Investment 4.2/5
- From
- RM1.378mil
- Bedrooms
- Studio, 1–2 bedrooms
- Completion
- Completed
Pavilion Square
Direct link bridge to Pavilion Mall
Own stay 4.4/5Investment 4.3/5
- From
- RM1.32mil
- Bedrooms
- Studio, 1–3 bedrooms
- Completion
- 2029
What do these costs come to on real projects?
At RM5.429mil, Imperial Residences comes with about RM331,200 in stamp duty and legal fees for a Malaysian buyer with a 90% loan.
| Project | From | Stamp duty and legal fees |
|---|---|---|
| Imperial Residences | RM5.429mil | about RM331,200 |
| CloutHaus Residences | RM1.5mil | about RM81,800 |
| The Conlay | RM1.46mil | about RM79,200 |
| The Queenswoodz | RM723,300 | about RM35,200 |
| Laurel Residence | RM673,000 | about RM32,500 |
| The Aldenz | RM622,200 | about RM29,800 |
Each figure is our estimate at the starting price, with no developer package, before SST and disbursements.
The Queenswoodz
3 to 4 bedrooms, a walk to Pavilion Bukit Jalil
Own stay 4.2/5Investment 4/5
- From
- RM723,300
- Bedrooms
- 2–4 bedrooms
- Completion
- 2029
The Aldenz
Shops below, and parks across the road
Own stay 4.3/5Investment 4.2/5
- From
- RM622,200
- Bedrooms
- 2–3 bedrooms
- Completion
- 2029
Laurel Residence
Completed, with Bangsar South’s offices 300 m away
Own stay 4.3/5Investment 4.6/5
- From
- RM673,000
- Bedrooms
- 1 & 3 bedrooms
- Completion
- Completed
How are stamp duty and legal fees calculated?
Stamp duty follows the Stamp Act scale, and legal fees follow the Solicitors’ Remuneration Order 2023.
- Stamp duty on the transfer (MOT): Malaysians pay 1% on the first RM100,000, 2% on the next RM400,000, 3% on the next RM500,000 and 4% above RM1mil.
- Stamp duty on the loan agreement: the rate is 0.5% of the loan amount.
- Legal fees on the SPA: the scale is 1.25% of the first RM500,000 and 1% of the next RM7 million.
- Legal fees on the loan agreement: the same scale applies, on the loan amount.
- First-home exemption: Malaysian citizens buying a first home up to RM500,000 are exempt from both stamp duties for sale agreements signed up to 31 December 2027. Budget 2027 proposes to widen this: see our Budget 2027 guide.
When do you pay stamp duty and legal fees on a new launch?
You pay the legal fees and the loan stamp duty when you sign, and the transfer stamp duty later, when the title is transferred.
| RM1mil home, 90% loan | Amount |
|---|---|
| Sale agreement: down payment (10%) | RM100,000 |
| Sale agreement: SPA legal fee | RM11,250 |
| Loan agreement: stamp duty and legal fee | RM14,750 |
| Title transfer: transfer stamp duty (MOT) | RM24,000 |
| Cash to plan for | RM150,000 |
- Transfer stamp duty (MOT): on a new launch this is often paid years after booking, which gives you time to set the cash aside.
- The price list: ask us what the developer’s package covers on the unit you like.
