Stamp duty is one of the largest upfront costs of buying property in Malaysia, comprising Memorandum of Transfer (MOT) stamp duty and loan agreement stamp duty. For a RM500,000 property, total stamp duty can reach RM12,000โ15,000. Here are the current rates and all available exemptions.
MOT Stamp Duty Rates Malaysia 2026
| Property Value | Stamp Duty Rate | Cumulative Duty |
|---|---|---|
| First RM100,000 | 1% | RM1,000 |
| RM100,001 โ RM500,000 | 2% | RM9,000 |
| RM500,001 โ RM1,000,000 | 3% | RM24,000 |
| Above RM1,000,000 | 4% | Variable |
Loan Agreement Stamp Duty
Loan agreement stamp duty is 0.5% of the loan amount. On a RM450,000 loan, this is RM2,250. First-home buyers are exempt on the first RM500,000 of loan value (relief applies to loan instrument only).
MOT duty: RM9,000. Loan duty: RM2,250 (RM450,000 x 0.5%). Total: RM11,250. First-home buyer exemption on MOT (up to RM500k): SAVE RM9,000. First-home loan exemption: SAVE RM2,250. Net cost: RM0 (for qualifying first-home buyers under RM500,000).
First Home Stamp Duty Exemption Malaysia 2026
First-time home buyers in Malaysia receive stamp duty exemption on: MOT: Properties up to RM500,000 (100% exempt). Loan agreement: First RM500,000 of loan amount. These exemptions apply to the instrument โ you must not have owned residential property before anywhere in Malaysia.
Stamp Duty on Transfers Between Family Members
Love and affection transfer (parent to child, between spouses) qualifies for a 50% stamp duty reduction on the MOT. This makes family property transfers significantly cheaper than open market transactions.
Include stamp duty in your total purchase cost calculation using our ๐ Mortgage Calculator.
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