What a home costs to buy and carry in Malaysia
The record on this site answers what a scheme sold for. This page answers the next question: roughly how much cash you need at offer, and what the loan might cost each month. Stamp duties follow the statute; the instalment rate is an illustration you can change.
Not a bank offer and not a lawyer’s fee quote. SPA legal fees sit with your solicitor (see conveyancing references elsewhere in the fleet); valuation is set by the bank. First-home stamp exemption: one residential unit ≤ RM500,000, SPA by 2027-12-31.
Rate default as of 2026-09-23: 4.00% p.a. illustrative (rough SBR + bank margin); not a bank quote. Legal fees and valuation are not included — ask your solicitor and bank.
Cash at offer
- Down payment (10%): RM50,000
- Transfer duty (MOT): RM9,000
- Loan duty (0.5%): RM2,250
- Total cash: RM61,250
- Qualifying first home: RM50,000 (duties exempt)
Monthly carry
- Instalment (35y @ 4.00%): RM1,992
- Total monthly: RM1,992
4.00% p.a. illustrative (rough SBR + bank margin); not a bank quote
Loan principal RM450,000. Figures round to the nearest ringgit.
Sources
- Transfer and loan stamp duty — Stamp Act 1949 First Schedule items 32(a)/(ab) and 27(a), as summarised in LHDN’s Garis Panduan; first-home orders P.U.(A) 448/449 of 2025. Full guide.
- Instalment rate default (2026-09-23): 4.00% p.a. illustrative (rough SBR + bank margin); not a bank quote. Change the field to match a bank’s quote.
- Maintenance — optional; strata Charges are set by the management body under the Strata Management Act 2013. What the charge buys.
Start from a scheme’s sold median on any price page, then open this calculator with that number filled in.