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2012年1月5日星期四

马来西亚买屋的手续费用

关于买卖屋子,相信很多社会的年轻一辈都没有什么概念。这里就贴一些关于马来西亚买屋的手续费用
1)买卖合同 S&P)的费用是以屋价来算的:

Example 屋价 = RM 250,000

a) Legal Fee
First RM 150,000 = 1.0% (minimum fees of RM 300) (买RM150K以下的家所以很省)
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
2010最新的Budget中有提到第一次买家的可以享有半价的Stamp Duty,这个你必须和律师讨论,叫律师去询问LHDN.很多律师是没有update的,所以是不懂的。
c) Disbursement fees: Land search + Q.A Search + Affirmation and etc ~= RM 200 - RM 400(以各律师决定)
d) Others: Miscellaneous + Transportation ~= RM 150 - RM 250(以各律师决定) -----------------------------------------------------------------------------------------------------------------

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(以各律师决定)

d) Others: Miscellaneous + Transportation ~= RM 150 – RM 300(以各律师决定)

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房屋建设进度付款
1) 10% - 签买卖合约(S&P)时就要给了
2a) 10% - 完成打桩/地基
2b) 15% - 完成框架和地板
2c) 10% - 完成墙壁和门窗架
2d) 10% - 完成屋顶/天花板/电线配管 (没有配件)/气体管道(若有)/内部电话联接
2e) 10% - 完成内外墙的灰
2f) 5% - 完成污水运作系统
2g) 5% - 完成沟渠运作系统
2h) 5% - 完成道路运作系统
3) 12.5% - 拿锁匙,水电具备
4) 2.5% - Within twenty-one (21) working days after receipt by the purchaser of written confirmation of the Vendor's submission to and acceptance by the Appropriate Authority of the application for subdivision of the said Building

剩下的5%由律师楼保管
5a) 2.5% - 拿锁匙的6个月后
5b) 2.5% - 拿锁匙的18个月后

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