Stamp duty is one of the biggest upfront costs when buying property in Malaysia. First-time buyers enjoy generous exemptions โ potentially saving up to RM24,000 on a RM500,000 home. Here are the 2026 rates, exemptions and how to calculate your exact costs.
Stamp Duty Rates Malaysia 2026
There are two types of stamp duty when buying property: Memorandum of Transfer (MOT) and Loan Agreement stamp duty.
| Property Value | MOT Rate | On Each Tier |
|---|---|---|
| First RM100,000 | 1% | RM1,000 |
| RM100,001 โ RM500,000 | 2% | Up to RM8,000 |
| RM500,001 โ RM1,000,000 | 3% | Up to RM15,000 |
| Above RM1,000,000 | 4% | Unlimited |
Loan Agreement stamp duty: 0.5% of loan amount (e.g., RM450,000 loan = RM2,250)
Calculate your exact stamp duty using our ๐ Stamp Duty Calculator.
First-Time Buyer Exemptions (2026)
| Property Price | MOT Exemption | Loan Agreement Exemption |
|---|---|---|
| Up to RM500,000 | 100% (Full) | 100% (Full) |
| RM500,001 โ RM1,000,000 | 50% | 50% |
| Above RM1,000,000 | None | None |
Real Savings Example
Buying a RM480,000 home with a RM432,000 loan as a first-time buyer:
- MOT stamp duty (without exemption): RM8,600
- MOT stamp duty (with exemption): RM0
- Loan stamp duty (without exemption): RM2,160
- Loan stamp duty (with exemption): RM0
- Total saving: RM10,760
Our editorial team specialises in Malaysian personal finance โ covering loans, taxation, insurance, EPF, and Islamic finance. Every article is fact-checked against Bank Negara Malaysia (BNM), LHDN, and major Malaysian bank publications. We reference our calculators (which use industry-standard formulas) to ensure consistency between our written content and tools. Learn more about our methodology โ