Calculate monthly instalments, total interest and repayment for factory, warehouse and industrial property loans in Malaysia.
Estimate lawyer fees, stamp duty and disbursements for property purchases in Malaysia based on the latest fee schedule.
Compare current factory, warehouse and commercial property loan rates from Maybank, CIMB, Public Bank, Hong Leong, RHB and more.
Buying a factory, warehouse or industrial land in Malaysia is rarely just the headline price. On a typical RM3 million industrial property, a buyer pays roughly RM84,000 in Memorandum of Transfer (MOT) stamp duty, RM30,000+ in conveyancing legal fees, plus loan agreement stamp duty (0.5% of the loan), valuation fees, disbursements and bank processing charges. Industrial buyers also face stricter loan-to-value ratios than residential — most banks cap factory financing at 80–85% LTV, and for second commercial property the cap drops to 70%. Running the numbers before signing any Letter of Offer is the difference between a confident purchase and a cash-flow surprise three months later.
Stamp duty for property transfer follows a progressive scale set under the Stamp Act 1949: 1% on the first RM100,000 of purchase price, 2% on the next RM400,000 (RM100,001–RM500,000), 3% on the next RM500,000 (RM500,001–RM1,000,000), and 4% on every ringgit above RM1,000,000. Malaysian citizens buying their first residential home priced at RM500,000 or below currently get a 100% MOT exemption, but this exemption does not extend to industrial or commercial property — industrial buyers pay the full progressive rate. Foreign buyers of residential property face a flat 8% surcharge instead of the progressive rate. Loan agreement stamp duty is a separate flat 0.5% of the loan amount.
The Solicitors' Remuneration Order 2023, in force since 15 July 2023, governs the fees lawyers may charge for property conveyancing in Peninsular Malaysia. The current scale is 1.25% on the first RM500,000 of consideration and 1% on the slice from RM500,001 to RM7.5 million, with descending rates above that. For an RM1.5 million industrial transaction this works out to roughly RM16,250 for the SPA, plus a similar separate fee for the loan agreement. Solicitors are permitted to discount up to 25% off the scaled fee under the SRO. Properties bought directly from licensed housing developers under the Housing Development Act (HDA) attract a 25–50% statutory discount, but industrial sub-sales do not.
The calculators reflect the published statutory rates — Stamp Act 1949 for stamp duty and SRO 2023 for legal fees. Outputs are estimates; final figures depend on the actual Sale and Purchase Agreement, valuation report and bank Letter of Offer.
Yes. Industrial buyers do not qualify for first-home stamp duty exemption, typically face 70–85% LTV caps versus 90% for first residential property, and often need a separate term loan rather than a flexi home loan.
Stamp duty rates are the same, but loan margins are usually lower (often 70–75% LTV), and banks may require directors' personal guarantees. The legal fee scale under SRO 2023 applies identically.
Yes — but residential foreign buyers should note the 8% flat MOT stamp duty surcharge introduced in Budget 2026, which replaces the progressive scale. State minimum purchase price thresholds (typically RM1 million in Selangor, RM2 million in KL) also apply.
Conveyancing legal fees are usually billed in stages: deposit on SPA signing, balance on completion. Stamp duty is payable within 30 days of SPA execution. Loan agreement stamp duty is collected by your bank when the loan is disbursed.
