Home Loan Calculator
+ hidden costs

It can be difficult to keep track of all the costs associated with buying a house. We’re making it simple for you with our Home Loan Calculator! Simply input the property value and loan terms to get your monthly loan repayment and the total entry cost of owning your home!

Sales and Purchase Agreement (SPA)

Legal Fees Based on Property Value
Legal Fee
(% of Property Value)
Price Tier
1.25%First RM 500,000
1%Next RM 7 million
<=1%
(Subject to negotiation)
Property value exceeding RM 7.5 million
Note that fees above are subject to a minimum of RM 500. The amount after the minimum is applied is then subject to a 6% sales and services tax.
Legal Disbursement Fee
Legal disbursement fees vary and are set at RM 1,500 for these calculations.

Loan Agreement

Legal Fees Based on Loan Amount
Legal Fee
(% of Loan Amount)
Price Tier
1.25%First RM 500,000
1%Next RM 7 million
<=1%
(Subject to negotiation)
Loan amount exceeding RM 7.5 million
Note that fees above are subject to a minimum of RM 500. The amount after the minimum is applied is then subject to a 6% sales and services tax.
Legal Disbursement Fee
Legal disbursement fees vary and are set at RM 1,500 for these calculations.
Stamp Duty
Stamp duty for the loan agreement is fixed at 0.5% of the loan amount

Total Valuation Fees

Valuation Fee
Fees
(% of Market Price)
Price Tier
0.25%On the first RM 100,000
0.2%Next RM 1.9 million
0.167%Next RM 5 million
0.125%Next RM 8 million
0.1%Next RM 35 million
0.067%Next RM 150 million
0.05%Next RM 300 million
0.04%Property value exceeding RM 500 million
Disbursements
Valuation disbursement fees vary and are set at RM 500 for these calculations. During the loan application process, you can contact your banker to know more about valuation disbursement fees.

Instrument of Transfer (MoT/DoA)

Stamp Duty
Rate
(% of Property Value)
Price Tier
1%First RM 100,000
2%Next RM 400,000
3%Next RM 500,000
4%Property value exceeding RM 1 million

Agency Fees

Agency fees can also vary. For the purposes of this calculation, they are estimated at 3% of the purchase price. A 6% sales and services tax is applied on top of this.
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