The Total Cost to Buy
Beyond the headline price, there are stamp duty, legal and loan costs. Here’s the full breakdown for 2026 — with a worked example — and the costs the developer package usually absorbs on a new launch.
What you pay, and to whom
A property purchase in Malaysia has four cost layers beyond the purchase price itself:
| Cost | 2026 rate | Based on |
|---|---|---|
| MOT stamp duty (transfer) | 1% first RM100k · 2% next RM400k · 3% next RM500k · 4% above RM1m | Purchase price |
| SPA legal fees | 1% first RM500k · 0.8% next RM500k · 0.7% above (min RM500, + SST) | Purchase price |
| Loan agreement legal fees | Same scale as SPA legal fees | Loan amount |
| Loan stamp duty | 0.5% | Loan amount |
| SPA stamp duty | RM10 (nominal) | Fixed |
Foreign (non-PR) buyers pay a higher flat stamp-duty rate on transfer from 2026 and must meet the RM1,000,000 minimum price in Kuala Lumpur — see our how-to-buy guide. Confirm the current rate before committing.
Type A — RM721,800 (Malaysian, 90% loan)
Indicative statutory costs if none were absorbed (loan amount RM649,620):
| Item | Amount (RM) |
|---|---|
| Downpayment (10%) | 72,180 |
| MOT stamp duty | 15,654 |
| SPA legal fees (approx, + SST) | 6,774 |
| Loan agreement legal fees (approx, + SST) | 6,197 |
| Loan stamp duty (0.5%) | 3,248 |
| SPA stamp duty | 10 |
| Statutory costs (excl. downpayment) | ~31,883 |
Indicative only, rounded, excludes SST on legal fees and any valuation/disbursement fees. Your figures vary by unit, loan and current rates.
What the developer package usually absorbs
This is the part most buyers miss. On a new launch like Binastra Cochrane, the developer package frequently absorbs the biggest line items — commonly the MOT stamp duty and the SPA & loan legal fees — and may add a low-downpayment scheme and rebates on top.
That means your real out-of-pocket cash can be far lower than the gross subsale figures above — often little more than the booking fee plus the loan stamp duty, depending on the current package. Because packages change, the only way to know your true number is to ask for the current one.
Cost questions
How much extra does it cost to buy on top of the price?
What is the MOT stamp duty?
Are legal fees fixed?
Does Binastra Cochrane’s package cover these costs?
Want your exact cost to buy?
Tell us your target unit and we’ll send a line-by-line cost sheet for the current package — including what’s absorbed.
Figures are indicative for 2026 and exclude SST and disbursements. Stamp-duty and legal-fee rates, exemptions and foreigner rules change — verify current rates with your solicitor and the developer before committing.