Stamp Duty Calculator Malaysia马来西亚印花税计算器
Buying property in Malaysia means paying stamp duty twice — once on the transfer of ownership, and again on the loan agreement. Here is what each costs, and whether you qualify to skip them.在马来西亚买房，印花税要缴两次 —— 一次是产权转让，一次是贷款协议。这里算清楚各要多少，以及你是否符合豁免资格。
Your purchase购房资料
How the transfer duty is built up转让印花税的分级计算
How this is calculated计算方式说明
You pay stamp duty twice
Most first-time buyers budget for one stamp duty and get caught out by the second.
- Transfer duty (MOT) — charged on the property price, on a tiered scale. This is the big one.
- Loan agreement duty — a flat 0.5% of whatever you borrow, for every buyer category.
The transfer duty scale
| Portion of the price | Rate |
|---|---|
| First RM100,000 | 1% |
| RM100,001 – RM500,000 | 2% |
| RM500,001 – RM1,000,000 | 3% |
| Above RM1,000,000 | 4% |
It is progressive, so only the portion inside each band is charged at that band's rate. A RM500,000 property costs RM9,000: 1% of the first RM100,000 plus 2% of the next RM400,000.
Foreign buyers now pay 8%
Under Budget 2026, non-citizens excluding permanent residents, and foreign-owned companies, pay a flat 8% on residential property transfers from 1 January 2026. That is double the previous 4%, it applies to the entire value rather than in tiers, and no exemption is available. On a RM500,000 property that is RM40,000 instead of RM9,000.
The first-time buyer exemption
Malaysian citizens buying their first residential property priced at RM500,000 or below pay nothing on either instrument. Budget 2026 extended this to sale and purchase agreements executed up to 31 December 2027.
Two conditions people miss: it is for citizens only — permanent residents do not qualify — and you must never have owned a residential property in Malaysia before, including one held jointly.
Family transfers
Transfers between spouses, between parent and child, and between grandparent and grandchild receive full exemption on the first RM1,000,000 of value, with the remainder charged at the normal scale but subject to a 50% remission.
When it is due
Stamp duty must be paid within 30 days of executing the instrument. Late stamping attracts a penalty. In practice your solicitor handles the stamping through LHDN's STAMPS system as part of the conveyancing.
印花税要缴两次
大部分首次购房者只准备了一笔印花税，结果被第二笔杀个措手不及。
- 产权转让印花税（MOT） —— 按房价分级计算，这是金额较大的一笔。
- 贷款协议印花税 —— 贷款额的 0.5%，所有买家一律适用。
转让印花税级距
| 房价区间 | 税率 |
|---|---|
| 首 RM100,000 | 1% |
| RM100,001 – RM500,000 | 2% |
| RM500,001 – RM1,000,000 | 3% |
| RM1,000,000 以上 | 4% |
这是累进制，每一段只按该段的税率计算。RM500,000 的房产要缴 RM9,000：首 RM100,000 的 1% 加上接下来 RM400,000 的 2%。
外国买家现在要缴 8%
根据 Budget 2026，非公民（永久居民除外）与外资公司自 2026年1月1日起，住宅产权转让统一缴 8%。这是原本 4% 的两倍，按房产全额计算而非分级，而且没有任何豁免。RM500,000 的房产要缴 RM40,000，而不是 RM9,000。
首购族豁免
大马公民购买第一间住宅、房价 RM500,000 或以下，两项印花税全免。Budget 2026 已把期限延长至 2027年12月31日前签署的买卖合约。
两个最多人忽略的条件：这项豁免仅限公民，永久居民不符合资格；而且你必须从未拥有过马来西亚的住宅产业，包括联名持有的。
家庭成员之间的转让
配偶之间、父母与子女之间、祖父母与孙子女之间的转让，首 RM1,000,000 全额豁免，超出部分按正常级距计算但可获 50% 减免。
缴纳期限
印花税须在文件签署后 30 天内缴清，逾期会有罚款。实务上，律师会在办理产权转让时透过 LHDN 的 STAMPS 系统完成盖印。
Frequently asked questions常见问题
How much stamp duty for a RM500,000 house in Malaysia?RM500,000 的房子印花税要多少？
Do permanent residents get the first-time buyer exemption?永久居民能享有首购族豁免吗？
When do I have to pay stamp duty?印花税什么时候要缴？
Is stamp duty the only upfront cost?除了印花税，还有别的前期费用吗？
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