What does buying actually cost?
The price is only the start. See stamp duty, legal fees, and the foreign levy added on top — before you commit.
Property details
Varies by state (e.g. Johor ~2%). Adjust to your target state.
Financing & returns
Total cost to acquire
RM 0
That’s RM 89,000 (5.9%) on top of the purchase price.
| Purchase price | RM 1,500,000 |
| Stamp duty (MOT) | RM 39,000 |
| Legal fees (~1%) | RM 15,000 |
| Foreign levy | RM 30,000 |
| Misc (valuation, disbursements) | RM 5,000 |
| Total cost to own | RM 1,589,000 |
10-year illustration
~RM 5,013/mo mortgage · 225% projected ROI
- Cash invested
- RM 539,000
- Loan amount
- RM 1,050,000
- Rent over 10 yrs
- RM 750,000
- Projected value
- RM 2,015,875
- Appreciation gain
- RM 515,875
- RPGT on exit (10%)
- RM 51,588
- Net 10-yr profit (illustrative)
- RM 1,214,287
Highly simplified illustration — flat rent and appreciation assumptions, profit vs cash invested, excludes interest, vacancy, maintenance, and tax. Not financial advice.
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Estimates only. Stamp duty tiers, legal-fee scales, and the foreign levy vary by state and change over time; non-MYR amounts use indicative exchange rates. Confirm with a conveyancing lawyer.
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