Free tool

Buying cost & instalment calculator

Choose who is buying, enter the price, and see the cash you need.

Quick answerMalaysians: tiered 1%–4% stamp duty, nil for first homes up to RM500k; foreigners: flat 8% on homes plus Johor's ~3% levy (min RM30,000). Legal fees follow the statutory scale; the instalment uses your rate and tenure.

Who is buying Price (RM) Loan margin (%) Interest rate (% p.a.) Tenure (years) Exchange rate (RM per S$1)Enter today's rate First home SPA signed in 2027 or later (Budget 2027 proposal)

⚠️ Johor generally requires foreigners to buy at RM1 million or above (confirm exceptions with a lawyer).

Cash needed—

Fees beyond the deposit—

Monthly instalment—

Estimates only. Legal fees on the statutory scale (1.25% on the first RM500k, then 1%, minimum RM500), before developer packages; foreigner stamp duty at the flat 8% for homes (from 2026); Johor levy at the reported 3% (min RM30,000). Malaysian PRs may also need state consent in Johor. Your lawyer and bank confirm the actual figures.

Buying in JB? Let's talk — it's free.

Tell me who is buying (Malaysian / Singaporean / other foreigner), your budget and what the home is for. I'll WhatsApp you suitable new launches and subsale homes, plus the rules that apply to you — usually the same day.

First confirm what you can buy (foreigner floor, title, Bumi units)

Help with Malaysian or Singapore bank loan assessment

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