{"id":1372,"date":"2026-08-14T15:09:08","date_gmt":"2026-08-14T07:09:08","guid":{"rendered":"https:\/\/alrizqmortgage.com\/?page_id=1372"},"modified":"2026-08-15T14:28:09","modified_gmt":"2026-08-15T06:28:09","slug":"loan-stamp-duty-calculator","status":"publish","type":"page","link":"https:\/\/alrizqmortgage.com\/ms\/loan-stamp-duty-calculator\/","title":{"rendered":"Kalkulator Duti Setem Pembiayaan"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1372\" class=\"elementor elementor-1372\">\n\t\t\t\t<div class=\"elementor-element elementor-element-851cf2a e-flex e-con-boxed e-con e-parent\" data-id=\"851cf2a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-771eb83 e-con-full xpro-glass-enabled--yes xpro-glass-effect__glass2 e-flex xpro-glass-shadow__none e-con e-child\" data-id=\"771eb83\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;xpro_liquid_glass_enable&quot;:&quot;yes&quot;,&quot;xpro_liquid_glass_effect&quot;:&quot;glass2&quot;,&quot;xpro_liquid_glass_shadow&quot;:&quot;none&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9cfa849 elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"9cfa849\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hfe-breadcrumbs-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav aria-label=\"Navigasi halaman\"><ul class=\"hfe-breadcrumbs\"><\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b24d2a elementor-widget elementor-widget-heading\" data-id=\"9b24d2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Anggarkan duti setem bagi perjanjian pembiayaan anda.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d43490b elementor-widget elementor-widget-text-editor\" data-id=\"d43490b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Anggarkan duti setem yang perlu dibayar bagi perjanjian pembiayaan berdasarkan jumlah pembiayaan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8e1eda1 e-con-full e-flex e-con e-child\" data-id=\"8e1eda1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ffaea5f e-flex e-con-boxed e-con e-parent\" data-id=\"ffaea5f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80ab720 elementor-widget elementor-widget-mlpc_loan_stamp_duty\" data-id=\"80ab720\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"mlpc_loan_stamp_duty.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<section\n\t\t\tid=\"mlpc-loan-stamp-1\"\n\t\t\tclass=\"mlpc-calculator mlpc-calculator--loan-stamp\"\n\t\t\tdata-mlpc-type=\"loan_stamp\"\n\t\t>\n\t\t\t<script type=\"application\/json\" class=\"mlpc-calculator__config\">{\"legal\":{\"firstLimit\":500000,\"firstRate\":1.25,\"secondLimit\":7500000,\"secondRate\":1,\"excessRate\":1,\"minimumFee\":500,\"hdaFixedLimit\":50000,\"hdaFixedFee\":500,\"hdaBandOneLimit\":250000,\"hdaBandOnePercent\":75,\"hdaBandTwoLimit\":500000,\"hdaBandTwoPercent\":70,\"hdaBandThreeLimit\":1000000,\"hdaBandThreePercent\":65,\"hdaAbovePercent\":50},\"transfer\":{\"firstLimit\":100000,\"firstRate\":1,\"secondLimit\":500000,\"secondRate\":2,\"thirdLimit\":1000000,\"thirdRate\":3,\"excessRate\":4},\"loanStamp\":{\"unit\":1000,\"perUnit\":5,\"minimumDuty\":10},\"homeLoan\":{\"defaultMargin\":80,\"defaultInterest\":4,\"defaultTenure\":30,\"maxTenure\":35},\"affordability\":{\"defaultInterest\":4,\"defaultTenure\":35,\"defaultDownPayment\":10,\"maxTenure\":35,\"maxAge\":70,\"rounding\":1000},\"dsr\":{\"defaultInterest\":4,\"defaultTenure\":35,\"maxTenure\":35,\"creditCardRate\":5,\"excellentLimit\":40,\"moderateLimit\":60},\"lppsa\":{\"defaultInterest\":4,\"defaultTenure\":35,\"maxTenure\":40,\"instalmentLimit\":60,\"debtLimit\":80,\"minNetRetention\":20},\"effectiveDate\":\"2023-07-15\",\"lastUpdated\":\"2026-08-07\",\"strings\":{\"propertyValue\":\"Property value (RM)\",\"loanAmount\":\"Loan amount (RM)\",\"loanStampInvalid\":\"Please enter a valid loan amount greater than RM0.\",\"transferStampInvalid\":\"Please enter valid purchase price and market value amounts greater than RM0.\",\"homeLoanInvalid\":\"Please check the loan amount, interest rate, loan tenure and optional extra payment.\",\"affordabilityInvalid\":\"Please check the gross income, net income, monthly expenses and assumptions. Monthly expenses must remain below the automatically calculated affordability limit.\",\"dsrInvalid\":\"Please check the net monthly income, commitments, proposed loan amount, tenure and interest rate.\",\"dsrExcellent\":\"Excellent (High Chance of Approval)\",\"dsrModerate\":\"Moderate (Possible Approval)\",\"dsrHigh\":\"High Risk (Low Chance of Approval)\",\"lppsaInvalid\":\"Please check the salary, deductions, commitments, financing amount and assumptions. Deductions and commitments must remain below the applicable income limits.\",\"lppsaSalaryLimit\":\"Salary-based eligibility\",\"lppsaRequestedLimit\":\"Requested financing amount\",\"lppsaPropertyLimit\":\"Property price\",\"lppsaValuationLimit\":\"JPPH valuation\"}}<\/script>\n\n\t\t\t\n\t\t\t\t\t\t\t\t\t<form class=\"mlpc-loan-stamp\" data-mlpc-loan-stamp-form novalidate action=\"\">\n\t\t\t<div class=\"mlpc-loan-stamp__inputs\">\n\t\t\t\t<h3 class=\"mlpc-loan-stamp__section-title\">Financing Details<\/h3>\n\t\t\t\t\t\t<div class=\"mlpc-calculator__field\">\n\t\t\t<label\n\t\t\t\tfor=\"mlpc-loan-stamp-1-loan-amount\"\n\t\t\t\t\t\t\t>\n\t\t\t\tLoan amount (RM)\t\t\t<\/label>\n\t\t\t<div class=\"mlpc-calculator__money\">\n\t\t\t\t<span aria-hidden=\"true\">RM<\/span>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"text\"\n\t\t\t\t\tid=\"mlpc-loan-stamp-1-loan-amount\"\n\t\t\t\t\tname=\"loan_amount\"\n\t\t\t\t\tinputmode=\"decimal\"\n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\tplaceholder=\"0.00\"\n\t\t\t\t\tdata-mlpc-money\n\t\t\t\t\t\t\t\t\t\t\taria-describedby=\"mlpc-loan-stamp-1-loan-amount-helper\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<p id=\"mlpc-loan-stamp-1-loan-amount-helper\" class=\"mlpc-calculator__helper\">Enter the principal financing amount stated in the loan agreement.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"mlpc-loan-stamp__basis\">\n\t\t\t\t\t<span>Calculation Basis<\/span>\n\t\t\t\t\t<strong>\n\t\t\t\t\t\tRM5 for every RM1,000 or part thereof\t\t\t\t\t<\/strong>\n\t\t\t\t\t<small>\n\t\t\t\t\t\tConfigured minimum duty: RM10.00\t\t\t\t\t<\/small>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mlpc-calculator__message\" data-mlpc-message role=\"status\" aria-live=\"polite\"><\/div>\n\t\t\t\t<button type=\"submit\" class=\"mlpc-loan-stamp__calculate\">Kira<\/button>\n\t\t\t<\/div>\n\n\t\t\t<section class=\"mlpc-loan-stamp__results\" aria-live=\"polite\" aria-atomic=\"true\">\n\t\t\t\t<span class=\"mlpc-loan-stamp__eyebrow\">Estimated Loan Stamp Duty<\/span>\n\t\t\t\t<output class=\"mlpc-loan-stamp__amount\" data-mlpc-loan-stamp-duty>--<\/output>\n\t\t\t\t<p class=\"mlpc-loan-stamp__amount-label\">Estimated Duty Payable<\/p>\n\n\t\t\t\t<div class=\"mlpc-loan-stamp__metrics\">\n\t\t\t\t\t<div><span>Loan Amount<\/span><strong data-mlpc-loan-stamp-amount>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Statutory Rate<\/span><strong data-mlpc-loan-stamp-rate>0.50%<\/strong><\/div>\n\t\t\t\t\t<div><span>Chargeable Units<\/span><strong data-mlpc-loan-stamp-units>--<\/strong><\/div>\n\t\t\t\t\t<div><span>Duty Calculation<\/span><strong data-mlpc-loan-stamp-basis>--<\/strong><\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<p class=\"mlpc-loan-stamp__note\">The amount is rounded up to the next chargeable RM1,000 unit. Actual duty may differ where an exemption, remission, special instrument or official assessment applies.<\/p>\n\t\t\t<\/section>\n\t\t<input type=\"hidden\" name=\"trp-form-language\" value=\"ms\"\/><\/form>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"mlpc-calculator__notice\">\n\t\t\t<p>Kalkulator ini memberikan anggaran untuk rujukan umum sahaja. Yuran guaman, duti setem, kos pembiayaan dan cukai sebenar mungkin berbeza. Dapatkan nasihat profesional dan sebut harga rasmi sebelum meneruskan.<\/p>\n\t\t\t\t\t\t\t<p>Pengecualian, remitan dan skim khas kerajaan tidak termasuk dalam anggaran ini.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d8d7c37 e-flex e-con-boxed e-con e-parent\" data-id=\"d8d7c37\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bd267ef elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"bd267ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3ed4e0 elementor-widget elementor-widget-heading\" data-id=\"a3ed4e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Maksud Keputusan Ini\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69075f9 elementor-widget elementor-widget-text-editor\" data-id=\"69075f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tIni ialah anggaran duti setem bagi perjanjian pembiayaan berdasarkan jumlah yang dimasukkan dan kadar berkanun semasa, dengan pembundaran bagi setiap RM1,000 atau sebahagian daripadanya. Anggaran ini tidak mengambil kira pengecualian, remitan atau skim khas yang mungkin anda layak terima. Semak kelayakan anda dengan penasihat atau peguam.\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f10e163 e-con-full e-flex e-con e-child\" data-id=\"f10e163\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cf22b5 elementor-widget elementor-widget-text-editor\" data-id=\"5cf22b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tKalkulator ini memberikan anggaran untuk rujukan umum sahaja. Jumlah sebenar mungkin berbeza. Dapatkan nasihat profesional sebelum meneruskan.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ddfd9b2 e-flex e-con-boxed e-con e-parent\" data-id=\"ddfd9b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-62b978a e-con-full e-flex e-con e-child\" data-id=\"62b978a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e8fb42d elementor-widget elementor-widget-heading\" data-id=\"e8fb42d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Perlukan bantuan memahami keputusan anda?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6285cf9 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"6285cf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/alrizqmortgage.com\/ms\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Bincangkan Keputusan dengan Penasihat<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Estimate stamp duty on your loan agreement. Estimate the stamp duty payable on your loan agreement, based on the loan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1372","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1372","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/comments?post=1372"}],"version-history":[{"count":16,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1372\/revisions"}],"predecessor-version":[{"id":1681,"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/pages\/1372\/revisions\/1681"}],"wp:attachment":[{"href":"https:\/\/alrizqmortgage.com\/ms\/wp-json\/wp\/v2\/media?parent=1372"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}