Malaysia · DSR, stamp duty, legal, valuation & agent fees
RM
RM
RM
Loan terms
Monthly repayment: RM 2,520
✏️ One‑time costs (you can edit any number)
Stamp duty (transfer / MOT)
RM
Loan stamp duty (0.5%)
RM
Legal fee – SPA
RM
Legal fee – Loan agreement
RM
Valuation fee
RM
Agent commission
RM
Renovation / misc
RM
⬇️ Down payment (cash): RM 130,000
💰 TOTAL UPFRONT CASHRM 144,150
Basis of estimates: Stamp duty MOT 1‑4% tiers; loan stamp 0.5%; legal fees Table A (1% first 500k, 0.8% next, etc.); valuation 7th schedule (BOVAEP); agent commission 0% (both types). Under‑construction MOT ~50% remission. Fees excl. SST & disbursements.
📊 DSR & monthly commitments
Proposed instalmentRM 2,520
Total commitmentsRM 4,320
DSR (70% limit)36.0%
📈 Breakdown of one‑time costs (RM)
⚠️ Rough estimation only — actual figures depend on documents, bank policies, and negotiations.
For detailed breakdowns, use our dedicated calculators:
Stamp duty · Legal fee · Valuation · DSR
