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Upfront costs for owning a Subsale property in Malaysia


Written by Property Genie Editor


Navigating the Upfront Costs: Unveiling the True Price Tag of Subsale Properties in Malaysia

In the lively world of Malaysian real estate, everyone dreams of owning a home or making a smart investment. Subsale properties are like hidden gems that attract both new home seekers and experienced investors. The thought of having your own place is exciting, but there's a catch – the upfront costs. Imagine it like this: you're ready to grab a slice of the property pie with a 500k property, but there's more to it than meets the eye.

Let's break down the costs and navigate the financial details together, uncovering the tricky fees and unexpected expenses that might surprise even the savviest buyers. Here are seven upfront costs you need to consider before purchasing a resale property:

1. SPA & Legal Fees
2. Stamp Duty
3. Professional Legal Fee
4. Loan Agreement Legal Fee
5. Valuation Fee
6. Bank processing Fee


1. SPA and Legal Fees

SPA legal fee

Now, let's talk about SPA fee, the legal side of things. Picture it as the terrain you need to cross to reach your property dream. The legal landscape demands its share – it's like paying tolls on a highway. For the first 150k, you're looking at a 1% fee, and for the remaining 1 million, it's 0.7%. Crunching the numbers, that translates to 3,950 MYR. So, while you're navigating this legal journey, these fees are the checkpoints you need to be aware of.

calculate your SPA fee here.

2. Stamp Duty

Stamp Duty

Now Stamp Duty, let's shine a light on what the government expects in return for your property pursuit. Think of it as a kind of toll booth on your journey. It's called Stamp Duty. Here's the breakdown: 1% for the first 100k and 2% for the next 500k. Putting it all together, this amounts to a substantial 9,000 MYR. It's like a toll gate where you pay based on the distance you've traveled on the property highway. Be prepared for this checkpoint on your road to property ownership.

calculate your Stamp Duty here.

3. Professional Legal Fee

Now, let's talk about engaging legal help in your property journey. It's a bit like having a guide on your adventure – someone who knows the twists and turns. Engaging legal expertise comes at a price, and for this leg of the journey, it's an estimated fee of 1.5k MYR.

4. Loan Agreement Legal Fee

Loan Agreement Fee

let's waltz into the paperwork part of your property journey – it's a bit like a dance, but with legal documents. This part incurs a 0.5% fee on the total loan amount. Think of it as the cost of admission to the paperwork ball, and for this particular dance, it totals 2,250 MYR. It's the fee you pay to make sure all the paperwork is in order, ensuring a smooth and coordinated performance on the road to property ownership.

click here to know about type of house loans

5. Valuation Fee

 let's shift our focus to assessing the worth of your property – it's a bit like getting a report card for your investment. To do this, there's a fee of 0.3% of the property value. Imagine it as the cost of having an expert evaluate and assign a value to your property. This fee amounts to 1.5k MYR, serving as an investment in understanding the true worth of your property. It's like paying for a professional appraiser to give you an accurate measure of what you've got.

6. Bank Processing Fee

Last but not least, the bank claims its share, ranging from 50 to 200 MYR, for this example, let's consider it 200 MYR.

The grand sum of these seemingly innocuous fees culminates in a whopping 68.4k MYR - a substantial sum that extends far beyond the initial down payment.


As you stand at the precipice of property ownership, it's crucial to consider not only the dream of a home but also the financial reality that accompanies it. The upfront costs for owning a subsale property in Malaysia are substantial, demanding meticulous financial planning. Property genies may offer a glimpse into this labyrinth, but the responsibility ultimately falls on the buyer to tread carefully.

As you envision your future home or investment, ponder this - are the upfront costs a hurdle too high, or a gateway to a future of financial growth and stability? The true value of your property goes beyond the price tag, extending into the realm of your financial well-being. What steps will you take to ensure that the dream of property ownership does not turn into a financial nightmare?

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