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
- deposit = RM50,000
- 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
- Source checked on 2026-09-14Lembaga Hasil Dalam Negeri MalaysiaUpdate required
Update required means this source has passed its internal freshness window. Product-specific commercial claims remain suppressed until the source is checked again.