Stamp duty is one of the biggest upfront costs when buying property in Malaysia. First-time buyers enjoy generous exemptions — potentially saving up to RM24,000 on a RM500,000 home. Here are the 2026 rates, exemptions and how to calculate your exact costs.
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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 – RM500,000 | 2% | Up to RM8,000 |
| RM500,001 – 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 📋 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 – 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
💡 Key Takeaway
First-time buyers purchasing a RM500,000 home in 2026 save up to RM10,800 in stamp duty exemptions. This exemption only applies once — use it wisely on the right property.
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