As a rule of thumb, a foreign buyer should budget about 12–13% on top of the price for one-off costs. Here is a worked example from our calculator.
Example: RM1,000,000 unit, foreign buyer
| Item | With 65% loan | Cash purchase |
|---|---|---|
| Stamp duty on transfer (foreign buyer, 8%) | RM80,000 | RM80,000 |
| Johor state levy (assumed 3%) | RM30,000 | RM30,000 |
| Loan agreement stamp duty (0.5% of loan) | RM3,250 | – |
| Legal fees incl. 8% SST (est.) | about RM16,400 | about RM9,700 |
| Admin and misc. (est.) | RM1,200 | RM1,200 |
| One-off costs | about RM130,900 (13.1%) | about RM120,900 (12.1%) |
| Down payment (35%) | RM350,000 | RM1,000,000 |
| Cash needed on day one | about RM480,900 | about RM1,120,900 |
Estimates only. Your lawyer's quotation and the sale and purchase agreement decide the real numbers. New developer projects may bundle legal fees, which lowers your one-off costs.
The monthly instalment
A RM650,000 loan at 4.0% over 30 years is roughly RM3,100 a month. Interest rates differ by bank, so compare written quotes.
Costs people forget
- Currency: if you earn in Singapore dollars, the exchange rate moves your real cost. Check our exchange rate page.
- Renovation and furnishing, and any loan insurance.
- Yearly holding costs: maintenance and sinking fund (owner's duty under the Strata Management Act), quit rent (cukai tanah) and assessment (cukai taksiran). See tool 3 in the calculators.
- When you sell: real property gains tax for foreigners is 30% within 5 years and 10% from year 6.
Rule of thumb: keep an emergency cash reserve of several months of instalment and maintenance, especially if the unit will be rented out and may sit empty for a while.
经验法则：外国买家在房价之外，要准备约 12–13% 的一次性费用。下面是用我们计算器算出的实例。
实例：RM1,000,000 的单位，外国买家
| 项目 | 贷款 65% | 全现金 |
|---|---|---|
| 过户印花税（外国买家 8%） | RM80,000 | RM80,000 |
| 柔佛州征费（假设 3%） | RM30,000 | RM30,000 |
| 贷款合约印花税（贷款额 0.5%） | RM3,250 | – |
| 律师费（含 8% SST，估算） | 约 RM16,400 | 约 RM9,700 |
| 行政及杂费（估算） | RM1,200 | RM1,200 |
| 一次性费用合计 | 约 RM130,900（13.1%） | 约 RM120,900（12.1%） |
| 首期（35%） | RM350,000 | RM1,000,000 |
| 第一天需要的现金 | 约 RM480,900 | 约 RM1,120,900 |
仅为估算。实际数字以律师报价和买卖合约为准。新发展商项目可能包含律师费，一次性费用会更低。
每月月供
RM650,000 的贷款，利率 4.0%、30 年，月供约 RM3,100。各银行利率不同，请比较书面报价。
容易忘记的费用
- 汇率：如果你赚新币，汇率会改变你的实际成本。看我们的汇率页。
- 装修和家具，以及贷款保险。
- 每年持有成本：管理费和 Sinking Fund（根据《分层管理法令》，业主的责任）、地税（cukai tanah）和门牌税（cukai taksiran）。见计算器的工具 3。
- 卖出时：外国人的房产盈利税（RPGT）5 年内 30%，第 6 年起 10%。
经验法则：预留数个月月供和管理费的应急现金，尤其是出租的单位，可能会空置一段时间。