Answer first

The deposit is only one part of cash-to-complete. Plan separately for instrument duties, legal work, valuation, protection and moving costs.

How to decide

LHDN explains that stamp duty applies to instruments and may be ad valorem or fixed. Use current official assessment and professional quotations rather than an old online shortcut.

A practical process

Start with purchase price minus approved financing. Add current assessed duties and written legal, valuation and optional protection quotations. Keep an emergency buffer after completion.

Limits and next step

Reliefs and duty treatment can change; verify at the transaction date. Check the linked primary source and its captured date before making a commitment.

Malaysian worked example

Show the working

Inputs

  • RM500,000 purchase
  • 90% financing

Calculation

  1. deposit = RM50,000
  2. cash-to-complete = RM50,000 + verified duties + professional fees

Illustrative resultRM50,000 is the deposit only, not the final cash requirement.

Reliefs and duty treatment can change; verify at the transaction date.

Sources

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