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Estimate your costs as a buyer or seller in Malaysia — RPGT, stamp duty, and monthly loan repayment.
Real Property Gains Tax (RPGT)
The exit tax on profit when you sell. Malaysia, 2026 rates.
Chargeable gain = selling − purchase price (include acquisition stamp duty & legal fees in your purchase figure for accuracy). An automatic exemption of RM10,000 or 10% of the gain (whichever is higher) is applied. Citizens/PRs may also claim a once-in-a-lifetime private-residence exemption (not modelled here). Estimate only — confirm with LHDN. Source: RPGT Act 1976, Schedule 5.
Stamp Duty & Loan Duty (Purchase)
The upfront acquisition tax when you buy. Malaysia, 2026 rates.
MOT stamp duty: citizens/PRs pay tiered 1% / 2% / 3% / 4%; foreigners (incl. MM2H, non-PR) pay a flat 8% on residential property from 1 Jan 2026. Commercial/industrial is tiered for everyone. Loan agreement duty is a flat 0.5% of the loan. First-time citizen buyers are exempt on residential up to RM500k (until 31 Dec 2027). Duty is charged on price or market value, whichever is higher. Estimate only. Source: Stamp Act 1949; Finance Act 2025.
Monthly Loan Repayment
Estimate your monthly mortgage installment.
Indicative only. Actual rate, margin of financing and eligibility depend on the bank and your Debt Service Ratio (DSR). Typical Malaysian home-loan rates are around 4–4.5% p.a. Excludes MRTA/MLTA and fees.