The advertised price is not the cash you need. Costs come in layers: the purchase price, completion costs (stamp duty, legal fees, registration, approvals) and holding costs (maintenance, sinking fund, insurance, repairs). In the guide's RM1,000,000 example for a foreign individual who is not a permanent resident, stamp duty is RM80,000 and the estimated basic legal fee RM7,450.
Worked example from the guide: a RM1,000,000 property bought by an eligible foreign individual who is not a Malaysian permanent resident
| Item |
Example |
| Property price |
RM1,000,000 |
| Transfer stamp duty |
RM80,000 |
| Estimated basic legal fee |
RM7,450 |
| Other disbursements |
Obtain a separate quotation |
| Known total before other disbursements |
RM1,087,450 |
Stamp duty here is 8% of RM1,000,000, the published rate from 1 January 2026 for relevant transfers to a non-citizen individual who is not a Malaysian permanent resident. The example does not include every possible cost, and rates and charges can change, so ask a lawyer to confirm what applies to your property and transaction date.
In the guide: Chapter 4: The real cost of buying