Not the loan β the cash. Stamp duty, legal fees, down payment. Real rates from the Stamp Act and the Solicitors' Remuneration Order 2023, itemised so you can see exactly where every ringgit goes.
β Above RM500,000 the first-home exemption does not apply, so stamp duty is charged in full.
Cash you need upfront
RM 0
Rates are the published MOT stamp duty tiers (1% / 2% / 3% / 4%), loan agreement stamp duty of 0.5%, and the Solicitors' Remuneration Order 2023 conveyancing scale (1.25% on the first RM500,000, then 1%). Disbursements are an estimate and legal fees attract SST. Exemption thresholds change with each Budget. This is a guide, not a quotation β your solicitor and bank give the binding figures.
In Plain Words
The part the bank won't lend
Government tax on the transfer
Your solicitor, at a fixed scale
The mortgage has its own bill
Tell us which development you're looking at and we'll ask the developer exactly what their package covers β then send you the true cash figure in writing, line by line.