Max Property

Total property purchase cost calculator

See the cash you need on day one: down payment plus legal fees, stamp duty and other purchase costs, with the monthly instalment.

1. Property
RM

Required. The price in the sale and purchase agreement.

2. Financing

The share of the price the bank finances.

Between 1 and 40 years.

Enter your bank's rate. 4.5% is only an example.

3. Transaction details

Stamp duty exemption: residential property up to RM 500,000, until 31 December 2027. Applied only when every condition is met.

Charged by law firms registered for service tax.

A home loan usually needs one extra security document, charged at 10% of the full fee (RM 500 to RM 2,000).

%

Optional. Lawyers may discount the ordinary scale by up to 25%. Not allowed on the Housing Development Act scale.

RM

Optional. Leave blank to use our estimate. Search fees, registration fees, land office fees and similar.

RM

Optional. Renovation, agent, valuation fee and anything else you want to include.

Your estimated purchase cost

Enter the property price to see the total cost.

1 field still needs an answer

Property price
—
Estimated bank financing
—
Down payment
—
Estimated transaction costs
—
Estimated monthly instalment
—

This is an estimate for planning only, not financial or legal advice. Bank approval, the interest rate and the actual fees depend on your bank and lawyer.

Total upfront cash1 field still needs an answer

How this is worked out

  • Bank financing = price x loan margin. Down payment = price minus bank financing.
  • Monthly instalment uses the reducing-balance formula on the loan amount, interest rate and tenure you enter. Loan insurance and other bank charges are not included.
  • Total upfront cash = down payment + legal fees + service tax + stamp duty + disbursements + other costs. Each item is counted once.
  • Legal fees and stamp duty use the same rules as our legal fees and stamp duty calculator.
  • Renovation, furniture, agent fees and moving costs are not included unless you add them under other costs.