买屋的手续费用

买屋的手续费用

1）买卖合同 （S&P）的费用是以屋价来算的：

屋价 = RM 250,000

a) Legal Fee：
First RM 150,000 = 1.0% (minimum fees of RM 300)
Next RM 850,000 = 0.7%
Next RM 2,000,000 = 0.6%
Next RM 2,000,000 = 0.5%
Next RM 2,500,000 = 0.4%
Excess RM 7,500,000 = Negotiable (not exceeding 0.4%)

Example:
RM 150,000 = 1.0% x RM 150,000 = RM 1,500
RM 100,000 = 0.7% x RM 150,000 = RM 700
Legal Fee = RM 2,200

b) Stamp Duty:
First RM 100,000 is at 1% of the value
Next RM 400,000 is at 2% of the value

Example:
RM 100,000 = 1.0% x RM 100,000 = RM 1,000
RM 150,000 = 2.0% x RM 150,000 = RM 3,000
Stamp Duty = RM 4,000

c) Disbursement fees: Land search + Q.A Search + Affirmation and etc
~= RM 200 - RM 400

d) Others: Miscellaneous + Transportation
~= RM 150 - RM 250

2）贷款合同 （Loan Agreement）的费用是以贷款数额来算的：

贷款 = RM 200,000

a) Legal Fee：
First RM 150,000 = 1.0% (minimum fees of RM 300)
Next RM 850,000 = 0.7%
Next RM 2,000,000 = 0.6%
Next RM 2,000,000 = 0.5%
Next RM 2,500,000 = 0.4%
Excess RM 7,500,000 = Negotiable (not exceeding 0.4%)

Example:
RM 150,000 = 1.0% x RM 150,000 = RM 1,500
RM 50,000 = 0.7% x RM 50,000 = RM 350
Legal Fee = RM 1,850

b) Stamping of Original Loan Agreement
= RM 1,000 (RM 200,000 x 0.5%)

c) Disbursement fees: Title search + Bankruptcy search + Affirmation and etc
~= RM 300 – RM 500

d) Others: Miscellaneous + Transportation
~= RM 150 – RM 300

MORTGAGE AMORTIZATION CALCULATOR

资料来源：佳礼中文论坛--ccpling