Total Cost to Buy Maxim The Address
Beyond the downpayment, expect to budget for SPA legal fees, stamp duty on the transfer of ownership (MOT), and loan agreement stamp duty — together usually adding a few percent of the purchase price — plus a RM50,000 levy if you are a foreign buyer. Knowing the true cash-to-buy upfront prevents nasty surprises at signing. New-launch packages frequently absorb some of these costs, so always check the current developer package against the standard schedule below.
The standard cost components
| Cost | How it’s calculated (standard) | On a Type B (RM617,000) |
|---|---|---|
| Downpayment | ~10% of price (less booking fee/rebate) | ~RM61,700 |
| MOT stamp duty | Tiered: 1% first RM100k · 2% next RM400k · 3% next RM500k | ~RM11,340 |
| SPA legal fees | Tiered scale (~1% on first RM500k, then lower) | ~RM6,000–7,000 |
| Loan agreement stamp duty | 0.5% of the loan amount | ~RM2,776 (on 90% loan) |
| Loan legal fees | Tiered scale on the loan sum | ~RM5,000–6,000 |
| Foreigner levy (if applicable) | One-off, Johor | RM50,000 |
Indicative only and based on standard schedules; developer rebates, lawyer packages and "fees absorbed" promotions can change these materially. Get the exact figure for your unit and package.
Two big ways the real number drops
- Developer packages. New launches often absorb MOT and/or legal fees, or run low/zero-downpayment schemes — sometimes cutting upfront cash dramatically.
- First-home / government incentives. Where applicable, stamp-duty exemptions can apply to qualifying Malaysian buyers — confirm current eligibility.
Don’t forget the holding costs
After purchase, budget the maintenance fee of RM0.40 per sq ft per month (about RM180–346 depending on unit), plus quit rent and assessment. Factor these into your net-yield calculation.
Foreign buyers — read this
Foreign buyers add the RM50,000 levy and can only purchase units above the RM600,000 SEZ threshold (Type B and C). Loan margins are typically lower too. See foreigner eligibility and the payment plan page.
Get your exact cash-to-buy
The cleanest way to know your true upfront cost is a personalised breakdown against the current package — including which fees are absorbed.
Frequently asked questions
What’s the total cost to buy property in Johor beyond the price?
Typically the 10% downpayment plus MOT stamp duty, SPA and loan legal fees, and loan stamp duty — a few percent of the price in total — though new-launch packages often absorb some of these.
How much is stamp duty in Malaysia?
MOT stamp duty is tiered: 1% on the first RM100,000, 2% on the next RM400,000, and 3% above that. Loan agreement stamp duty is 0.5% of the loan amount.
Do foreigners pay extra to buy in Johor?
Yes — a one-off RM50,000 levy, and they can only buy units above the RM600,000 SEZ threshold (Type B and C at Maxim).
Reviewed by Jason Chan, Malaysia property consultant (DMS Team). Indicative figures based on standard schedules; not legal or financial advice. Confirm with a licensed solicitor and the current developer package.
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