Smart Tools · Know Your Numbers
Loan eligibility · Monthly instalment · MOT & stamp duty
Estimate your maximum loan amount based on income and commitments
Enter your current monthly repayment amounts
Debt Service Ratio — maximum % of gross income that can service all debt repayments
Calculate your exact monthly repayment for any loan amount
The portion of property price the bank finances. Down payment = 100% − MOF
Memorandum of Transfer and loan agreement stamp duty
Loan agreement stamp duty is 0.5% of the loan amount
Malaysian MOT Tiered Rates
| Property Value | Rate | Stamp Duty on Tier |
|---|---|---|
| First RM 100,000 | 1% | Up to RM 1,000 |
| RM 100,001 – RM 500,000 | 2% | Up to RM 8,000 |
| RM 500,001 – RM 1,000,000 | 3% | Up to RM 15,000 |
| Above RM 1,000,000 | 4% | No cap |
Foreigners pay a flat 8% stamp duty on the full transfer price.
Disclaimer: We have made every effort to ensure the accuracy and correctness of the calculations, contents, information or data contained in this section. However, we do not represent or warrant the truth, accuracy, completeness and correctness of the same. We accept no liability for loss or damage suffered or incurred by you or your estate as a result of your reliance on the material above or howsoever arising from the use of the information or material presented herein. This page is intended for general awareness purposes only and should not amount to any form of advice.