The letter says the instalment is going up again, and the family group chat answers within seconds: just refinance lah, so easy. Nobody in that chat has ever seen a redemption statement. Alamak. Most of the cost of a refinance is not the rate at all — it is a short list of fees already fixed in law, and a deadline that starts running the day you sign.
Almost every number in a refinance is public before you apply. The solicitor’s fee is a scale in a gazetted Order; the stamp duty is an item in a schedule to an Act from 1949. The lock-in penalty is not public — but the rule forcing your bank to tell you how it is calculated is.
Quick Answer: a refinance replaces one secured loan with another, which on paper means discharging the old charge and creating a new one. The new security documents follow the Third Schedule of the Solicitors’ Remuneration Order 2023 — 1.25% on the first RM500,000 secured or financed, minimum RM500, then 1% on the next RM7,000,000 — and a solicitor may discount that by up to 25%. Releasing the old charge is a separate flat fee in the Fourth Schedule, RM400 for the first title, with no discount allowed on that schedule at all. Stamp duty on the principal instrument is RM5.00 for each RM1,000 or part thereof under item 27(a)(iii) of the First Schedule to the Stamp Act 1949, the collateral instrument capped at RM10.00, and everything stamped within 30 days of execution.
- Start here: work out which of three things you are doing — replacing the loan at the same amount, replacing it and taking cash out on top, or asking your current bank to reschedule what you have. Different instruments, different fees, and from 1 January 2027 the second one is treated differently on the bank’s books.
- Three clocks: 30 days to stamp an instrument executed in Malaysia; 21 calendar days of notice before revised terms take effect; 6 months from a bank’s final decision to reach the ombudsman.
- Catch: the ombudsman will not look at the thing most people are angry about — pricing, fees and charges, underwriting and restructuring applications are all listed as commercial decisions, outside its scope.
Table of Contents
Lock-in firstFees and dutyThe new rateWhat a Refinance Is, on Paper
A refinance is a sequence of instruments. The existing bank holds a charge over your title and it has to come off — a discharge of charge, or, where there is no individual title yet and the security was an assignment, a deed of reassignment. In its place the new bank takes a facility agreement and its own charge. The Solicitors’ Remuneration Order 2023 prices those two halves in two different schedules: paragraph 2(c) sends charges, agreements for charges, debentures and other instruments executed by way of security to the Third Schedule, and paragraph 2(d) sends discharges and deeds of reassignment to the Fourth Schedule.
That Order is made under subsection 113(3) of the Legal Profession Act 1976, came into operation on 15 July 2023, and revoked the 2005 Order. One structural point decides the number you pay: The Order separates the principal instrument from a subsidiary instrument for the purposes of subsection 4(3) of the Stamp Act 1949: the principal carries the full scale fee, each subsidiary 10% of it, minimum RM500 and maximum RM2,000. Rule 5(b) covers the case most borrowers are in: where the principal instrument is the letter of offer and the solicitor did not draft it, the solicitor charges the full scale fee on one security document as if it were the principal, and 10% on the rest. The count of documents does not multiply the full-scale fee — only one document carries it; each further document adds a smaller 10% fee on top.
If what you want is not a replacement loan but a change to the one you have, rule 3 under the Third Schedule applies: where additional facilities are granted and the existing principal instrument is stamped additionally to cover them, the fee is based on the amount of the additional facilities, not the whole loan. A materially smaller number.
The Lock-In Period, and What the Bank Must Tell You
A lock-in period is the window in which settling early triggers a charge. Bank Negara Malaysia sets neither its length nor its size — only what your bank must put in front of you. Standard 1.2.5 of the Policy Document on Product Transparency and Disclosure requires a provider to clearly inform consumers of any applicable lock-in period, and to disclose any early settlement charges payable if the facility is terminated before it ends, the method for calculating them, and when they are due — plus any rebate for early settlement and any rebate for MRTA or MRTT.
The document in force: BNM/RH/PD 028-136, issued 2 December 2024 and effective from that date, except paragraph 11 from 1 January 2026 and paragraph 12 from 1 July 2025.
The number itself lives in one place. The Product Disclosure Sheet template for a housing loan, at Appendix II of that document, has a block headed Other Key Terms with two blanks: a lock-in period in years with a start date, and an early termination fee expressed as a percentage of the outstanding amount or of the original loan amount. Those are not the same base: a percentage of the original loan amount does not shrink as you repay, a percentage of the outstanding amount does, and your own PDS says which one your contract uses.
The same template lists stamp duty as a percentage of the loan amount among the fees you also pay, alongside a disbursement fee and a processing fee. Three neighbouring standards go with it: 1.2.6, on whether pre-payment or overpayment is allowed, its effect on interest or profit charges, and any penalty; 1.3.3, at least 21 calendar days’ notice before revised terms take effect, fees and charges included; and 1.3.2, at least 7 calendar days’ notice of a rate change before the revised instalment bites.
Standard 1.1.6: a provider shall not pressure or coerce financial consumers to use its panel lawyers, and shall ensure that using a non-panel lawyer will not affect approval.
Legal Fees: One Scale You Can Bargain On, One You Cannot
Table A of the Third Schedule prices the work on the amount secured or financed. Table B is a reduced scale that applies only to a transaction governed by the Housing Development (Control and Licensing) Act 1966 — the developer-sale world — so an ordinary refinance of a completed home sits on Table A. The Fourth Schedule is separate and flat.
| What the fee is for | The rule | The fee |
|---|---|---|
| Security and financing documents, on the amount secured or financed — first RM500,000 | Third Schedule, Table A | 1.25%, subject to a minimum of RM500 |
| The next RM7,000,000 | Third Schedule, Table A | 1% |
| Exceeding RM7,500,000 | Third Schedule, Table A | Negotiable on the excess, but not more than 1% of it |
| Each subsidiary instrument for subsection 4(3) of the Stamp Act 1949 | Third Schedule, Table A | 10% of the full scale fee, minimum RM500, maximum RM2,000 |
| Discharge of charge — first title or charge | Fourth Schedule | RM400 |
| Discharge of charge — each additional title or charge in the same instrument | Fourth Schedule | RM100 |
| Deed of reassignment — first property, then each additional property in the same deed | Fourth Schedule | RM500, then RM100 |
| A deed of reassignment that includes a revocation of power of attorney | Fourth Schedule | Additional RM200 |
| Consent to charge from the State Authority, where the financing amount exceeds RM1,000,000 | Fifth Schedule, item (f) | RM500 for each application for consent to charge only |
Paragraph 6(1) permits a discount of up to 25% on Table A of the First Schedule and Table A of the Third Schedule. Paragraph 6(2) says no discount may be given on Table B of the First Schedule, the Second Schedule, Table B of the Third Schedule, the Fourth Schedule, the Fifth Schedule and the Sixth Schedule. Together, the scale fee on the amount financed can move by up to a quarter, and the discharge of the old charge cannot move at all.
A solicitor shall act only for one party to the financing transaction, and shall not charge a party while also acting for another party in the same transaction, save for the Fourth and Fifth Schedule documents where there is no conflict of interest. The Fourth Schedule also splits: where the discharge is prepared and attested by the financier’s solicitor and forwarded to the borrower’s solicitor to complete, each takes 50% of the applicable fee.
Disbursements sit beyond the scale: searches, extracts from any register or record, the cost of any extra work, and miscellaneous expenses not exceeding RM100. The scale fee already includes the solicitor’s and staff’s time, usual attendances and normal copying. On a leasehold title one more scale item appears — an application to the State Authority for consent to transfer or charge or lease, priced in the Fifth Schedule at not less than RM200 where the financing amount is RM100,000 or less, RM500 up to RM1,000,000, and RM3,000 above that, subject to RM500 only for consent to charge alone. Witnessing an execution is RM100 for the first copy, RM200 with an attestation certificate. And a solicitor may charge interest at 8% per annum on an unpaid bill from one month after a demand.
Valuation fees are prescribed rather than quoted, with no clean single figure to print — the scale sits in the Seventh Schedule (Rule 48) published by the Board of Valuers, Appraisers, Estate Agents and Property Managers, and differs by the purpose of the valuation. The Board has moved its portal to lpeph.gov.my, and at the time of writing the text of the first item on its fees page carries an unrelated commercial link, so the figures there are not reproduced here. For the purchase side — the First Schedule scale and the ad valorem duty on the transfer — see what the purchase itself costs, scale by scale; those bands are not repeated here on purpose.
Stamp Duty on the New Papers
Stamp duty is charged on instruments, not transactions. For a secured home loan the answer is item 27 of the First Schedule to the Stamp Act 1949: where a charge is the only or principal or primary security for the payment or repayment of money, sub-item (a)(iii) charges RM5.00 for each RM1,000 or part thereof. Item 22(1)(b) pulls the loan instrument into the same rate, giving a bond, covenant or loan for any sum of money the same ad valorem duty as a charge for that amount.
Two words in that sub-item do real work: or part thereof. A facility sitting a few ringgit above a round thousand is charged as though it reached the next full thousand.
Item 27(b) charges a collateral, auxiliary, additional or substituted security — or one by way of further assurance — at one-fifth of the duty on the principal security, not exceeding RM10.00, provided the principal security is duly stamped; item 22(2)(a) says the same for item 22 instruments. Only one document in the set carries the ad valorem duty, and that depends entirely on the principal being properly stamped first.
| The paper | Which item charges it | What it carries |
|---|---|---|
| The facility or loan agreement, as principal instrument | First Schedule, item 22(1)(b) | The same ad valorem duty as a charge for that total amount |
| The charge over the title, as principal or primary security | First Schedule, item 27(a)(iii) | RM5.00 for each RM1,000 or part thereof |
| The second, collateral or additional security in the same deal | First Schedule, items 27(b) and 22(2)(a) | One-fifth of the duty on the principal, capped at RM10.00 |
| Any of them, stamped late within 3 months of the deadline | LHDN penalty rates in force from 1 January 2025 | RM50 or 10% of the deficient duty, whichever is higher |
| Any of them, stamped more than 3 months late | LHDN penalty rates in force from 1 January 2025 | RM100 or 20% of the deficient duty, whichever is higher |
The deadline is short and not negotiable: an instrument must be stamped within 30 days of execution in Malaysia, or within 30 days after it is received in Malaysia if executed abroad. Miss it and the penalty is RM50 or 10% of the deficient duty, whichever is higher, within 3 months of the deadline, and RM100 or 20% after that — rates in force since 1 January 2025.
LHDN is rolling out the Stamp Duty Self-Assessment System in phases: Phase 1 from 1 January 2026 covers tenancy and lease, security instruments and general stamping; Phase 2 from 1 January 2027 covers transfers of immovable property without a valuation; Phase 3 follows on 1 January 2028. A charge securing a home loan is a security instrument, so a refinance signed today is already self-assessed: a Tax Identification Number, a MyTax login, the instrument uploaded, the STSDS form completed, the duty assessed and paid within the stipulated period, and every related record kept for 7 years from the date of payment. Self-assessment moves the paperwork — and the risk of getting it wrong — onto the duty payer or their appointed agent.
The Two Remissions That Exist, and Who They Are Written For
There is a widely repeated belief that a refinance only pays duty on the amount above what you already owed. On LHDN’s own published list of stamp duty orders, the two remissions that do exactly that are both written for Islamic financing.
The first is the Stamp Duty (Remission) Order 2010 [P.U. (A) 376], made 25 October 2010 and gazetted 4 November 2010. It remits the duty on an instrument executed between a customer and a financier in accordance with the Shariah as approved by the Shariah Advisory Council on Islamic Finance, pursuant to the change of scheme for financing an existing loan from conventional to Shariah, to the extent of the duty payable on the balance of the principal amount of the existing loan — provided the existing loan instrument was duly stamped under paragraph 22(1)(b) or 27(a).
The second is the Stamp Duty (Remission) Order 2011 [P.U. (A) 81], made 28 February 2011, which does the same where an instrument reschedules or restructures an existing Islamic financing facility. It defines its terms narrowly: rescheduling means changing the terms of repayment, restructuring means changing the form or structure of a facility or other terms of it.
Both carry a drafting requirement that is easy to fail: the remitted instrument must state the name of the institution the existing loan was originally obtained from, and the balance of its principal. Raise it with your solicitor before signing, not after stamping.
Two boundaries, stated plainly. LHDN’s relief page explains that applications under section 15 or 15A of the Stamp Act 1949 are for company restructuring, amalgamation, or transfer of property between associated companies, filed at the nearest State Director’s Office — corporate relief, not a household one. And the housing orders that exempt or remit duty on a loan agreement are worded as applying to a loan agreement to finance the purchase of a residential property: P.U. (A) 366/2016 is described on LHDN’s list as any loan agreement to finance the purchase of one unit of a first residential property not exceeding RM500,000, executed by a Malaysian individual named in the sale and purchase agreement. Whether a specific instrument falls inside a specific order is LHDN’s call — one e-mail or a call to the HASiL Contact Centre on 603–8911 1000, 9:00 am to 5:00 pm on weekdays, before you assume either way.
MRTA, MRTT and the Cover You Already Paid For
Mortgage reducing term assurance and its takaful equivalents are the quiet line in a refinance: the cover you bought was tied to a loan that is about to disappear. The official rules here are conduct rules.
Standard 1.1.7 requires a provider to indicate any insurance or takaful requirement and the coverage required as a condition of the loan — naming MRTA, MRTT and MLTT — and, for Islamic financing, to say that it can only finance the cost of MRTT or MLTT, not MRTA. Standard 1.1.8 is the one to read twice: a provider shall inform you that you are not obliged to buy any coverage from its panel of insurers or takaful operators, and shall not buy any policy or certificate on your behalf from that panel without your expressed written consent. If a premium appears on a disbursement statement you never signed for, that is the sentence to quote.
On the way out, the duty is the rebate: standard 1.2.5 requires the provider to inform you of any rebate for MRTA or MRTT, in the same breath as the early settlement charge. What no official page states is what becomes of a policy already assigned to the outgoing bank once the loan is redeemed, so this guide does not say. Ask the insurer or takaful operator that issued the certificate, in writing, before the redemption date.
Financing the cover and the fees rather than paying cash is a recognised structure: BNM’s standardised documentation for conventional housing loan agreements, effective 1 January 2013 for a principal sum of RM500,000 and below, states the loan can extend to cover renovation costs, MRTA or permitted insurance premiums, and legal fees.
Cashing Out: the Rule That Bites on 1 January 2027
BNM’s Policy Document on Personal Financing, BNM/RH/PD 028-130, was issued on 30 September 2025; paragraphs 10.3 to 10.13 and 10.17 to 10.18 come into effect on 1 January 2027. Ordinarily the document has nothing to do with property — paragraph 3.2(a) says it is not applicable to financing for the purchase of residential and non-residential property. Paragraph 10.3 is the exception, and it reaches into home loans.
From that date a provider must treat three things offered under a home financing product for personal, domestic or household purposes as a personal financing product: an additional financing amount in excess of an outstanding home financing amount being refinanced; additional financing that, combined with the remaining outstanding balance, exceeds the original home financing amount; and financing secured by an unencumbered property. The consequence is in paragraph 10.4: for those amounts the debt service ratio computation and the contractual monthly repayment period shall not exceed 10 years, the same ceiling paragraph 10.1 puts on personal financing generally.
Paragraph 10.7 requires the first case to be reported as a sub-account of your housing facility in CCRIS, named Personal Loan under Refinancing (Secured against Property); 10.8 names the second Personal Loan through Top-up (Secured against Property) and 10.9 names the third Personal Loan Secured against Unencumbered Property. Anyone reading the file later sees a personal loan, not a mortgage.
Paragraph 10.5(a) says paragraphs 10.3 and 10.4 do not apply to additional financing used solely for renovation, mortgage reducing term assurance or takaful, legal fees, or education or business purposes — financing the MRTA/MRTT premium, the legal fees or a renovation is not a cash-out. Paragraph 10.5(b) adds two more: where you have paid the financing down and the new amount plus the outstanding balance does not exceed the original amount and the new tenure does not exceed the remaining original tenure; and where the financing is up to the amount already pre-paid, by schedule or by extra repayments in advance. Paragraph 10.6 then requires the provider to take reasonable steps to verify the actual purpose, including by requesting supporting documents. Expect to be asked for quotations and invoices.
One related paragraph commences the same day: 10.17 requires consumers to complete a financial education module, run by the provider or by Agensi Kaunseling dan Pengurusan Kredit, before applying for any new personal financing exceeding RM100,000. The document does not say whether that follows the re-labelled slice of a refinance, so this guide does not claim it does.
Tenure has a separate ceiling. On 5 July 2013, with immediate effect, BNM announced a maximum tenure of 10 years for financing extended for personal use and 35 years for financing granted for the purchase of residential and non-residential properties, under section 31(1)(a) of the Central Bank of Malaysia Act 2009. The announcement is written around purchase financing and does not spell out how the cap counts on a loan that replaces an existing one.
The Rate You Are Moving Onto
If your existing loan was taken before 1 August 2022, refinancing moves it onto a different reference rate — and the rule that does it names refinancing explicitly. Paragraph 9.1 of the Policy Document on Reference Rate Framework requires providers to use the Standardised Base Rate for pricing retail facilities, and applies that to new facilities, to the refinancing of existing retail facilities, and to the renewal of revolving retail facilities, on or after 1 August 2022. Paragraph 9.10 completes it: facilities granted before that date stay priced against the Base Rate and the base lending rate, except in the case of refinancing or renewal. That document was issued on 27 March 2026 and comes into effect on 1 July 2026.
Paragraphs 9.2 and 9.3 set the SBR as the benchmark rate and the benchmark rate as the prevailing Overnight Policy Rate; paragraph 9.4 makes the rate you pay the SBR plus a spread. BNM’s consumer guide describes that spread as including credit and liquidity risk premiums, operating costs and profit margin, generally fixed throughout the lifetime of the loan.
Paragraph 9.8 allows it to rise during the tenure only to reflect changes in the customer’s credit risk profile, and paragraph 9.9 says providers shall not increase it to reflect their own operating costs, funding management strategies or portfolio default experience, nor to gain a higher profit margin during the tenure. Two timing rules sit alongside: the SBR must be adjusted by the same quantum within 7 working days of a change in the benchmark rate, symmetrically up and down, and particulars of a revised instalment must reach you at least 7 calendar days before it takes effect.
The CCRIS report lists your financing and repayment history over the past 12 months as reported by participating institutions, and BNM says plainly it is only one of many sources used to assess applications. It is free through eCCRIS: a Malaysian citizen with internet banking registers online, everyone else at a CCRIS kiosk in an AKPK office or through BNMTELELINK.
When It Goes Wrong: Three Doors, and What Each One Refuses
Complaints Unit first is not optional. BNM’s published process runs in three steps: lodge the complaint with the Complaints Unit of your provider — its page warns that the Business Unit or Claims Unit is not the Complaints Unit — obtain a response and final decision, and, if none arrives after 14 days, refer the case to BNMLINK. BNM states it will not accept complaints that have not been referred to the provider’s Complaints Unit first.
| Where | What it takes | What it will not take |
|---|---|---|
| The bank’s own Complaints Unit | Every complaint, first. BNM will not accept one that has not been here | — |
| BNMLINK — 1–300–88–5465, or BNMLINK, Bank Negara Malaysia, 50929 Kuala Lumpur | A case where the Complaints Unit did not respond after 14 days. Visits by appointment only | Commercial decisions; matters already with the ombudsman, a court or a tribunal; time-barred cases; interpretations of contract wording |
| Financial Markets Ombudsman Service | Disputes with direct financial losses not exceeding RM250,000, within 6 months of the provider’s final decision, or where the provider failed to respond within 60 days | Pricing, fees and charges, product features, credit or underwriting, and loan restructuring or rescheduling applications — all listed as commercial decisions |
| Agensi Kaunseling dan Pengurusan Kredit | Counselling and debt management, listed by BNM as a redress channel and set up by BNM | — |
BNMLINK answers on 1–300–88–5465, or +603–2174–1717 from overseas, 9:00 a.m. to 5:00 p.m. on weekdays, and receives visitors by appointment only. Its list of matters outside its jurisdiction also covers time-barred cases under the Limitation Act 1953 or the Sabah and Sarawak Limitation Ordinances, and requests to interpret contract wording.
The Financial Markets Ombudsman Service: disputes with direct financial losses not exceeding RM250,000 for its Members’ products, banking loans included. A dispute must reach it within 6 months of the Member’s final decision, or where the Member failed to respond within 60 days of first being asked. Eligible complainants include a consumer using the service for personal, domestic or household purposes or a small business — and, expressly, a guarantor of a credit facility. A banking file needs the final decision or a copy of your first complaint, a completed dispute form, a signed Permitted Disclosure Form under subsection 134(1) of the Financial Services Act 2013 or subsection 146(1) of the Islamic Financial Services Act 2013, identification documents and the loan statements behind the dispute.
FMOS lists general and product pricing, fees and charges, product features, credit, margin or underwriting, and loan restructuring or rescheduling applications as commercial decisions, outside its scope. A rejected application is not an ombudsman matter. A charge that does not match what was disclosed, or a policy bought on your behalf without your written consent, is a different complaint entirely. And if the instalment is already unaffordable rather than merely expensive, the instrument is not a refinance at all — that is the counselling and debt management route instead.
Walaoeh Verdict
Get three documents in front of you before you talk to anybody. Your existing Product Disclosure Sheet, where the lock-in period and the early termination fee are written and where you learn whether that fee runs on the outstanding amount or the original loan amount. A redemption figure from your current bank. And your free CCRIS report, the last 12 months as every bank will see them.
Then read the quotation against the two schedules, not against another quotation. The scale fee on the amount financed can lawfully carry a discount of up to 25%; the RM400 discharge of the old charge cannot carry any. A solicitor acts for one party only. Stamp duty falls on one principal instrument at RM5.00 per RM1,000 or part thereof, with the collateral instrument capped at RM10.00 — and since 1 January 2026 security instruments are self-assessed, which puts the 30-day clock and the 7-year record-keeping on you. Taking cash out on top? Look at the calendar: from 1 January 2027 that slice is personal financing on the bank’s books, capped at 10 years, and named as such in your credit file — unless it is spent solely on renovation, MRTA or MRTT, legal fees, education or business.
Frequently Asked Questions (FAQ)
Is there a stamp duty discount when I refinance?
Not one written for a straight conventional-to-conventional refinance on LHDN’s own published list of stamp duty orders. On that list are two remissions, both on the Islamic side. P.U. (A) 376/2010 remits the duty on an instrument executed between a customer and a financier in accordance with the Shariah, pursuant to the change of scheme for financing an existing loan from conventional to Shariah, to the extent of the duty payable on the balance of the principal of the existing loan. P.U. (A) 81/2011 does the same where an instrument reschedules or restructures an existing Islamic financing facility. Both require the existing instrument to have been duly stamped, and the new one to name the source institution and the balance of its principal.
How much can the bank charge me for breaking the lock-in?
Bank Negara Malaysia does not set the figure; it sets a disclosure duty. Standard 1.2.5 requires a provider to inform you of any applicable lock-in period, disclose any early settlement charges payable if the facility is terminated before it ends, the method for calculating them, and when they are due. The blank sits in the housing loan Product Disclosure Sheet template under Other Key Terms: a lock-in period in years with a start date, and an early termination fee expressed as a percentage of the outstanding amount or of the original loan amount. Only your own PDS says which base applies.
Can I use my own lawyer instead of the bank’s panel firm?
Standard 1.1.6: a provider shall not pressure financial consumers to use its panel lawyers, and using a non-panel lawyer will not affect approval. A solicitor also acts only for one party to the transaction, and shall not charge a party while also acting for another — with a carve-out, where there is no conflict of interest, for the documents in the Fourth and Fifth Schedules.
The quote has a discount on one line and none on another. Is that right?
Paragraph 6(1) allows a discount of up to 25% on Table A of the First Schedule and Table A of the Third Schedule — the Third Schedule being the security and financing documents, so the big line can be discounted. Paragraph 6(2) allows no discount on Table B of the First Schedule, the Second Schedule, Table B of the Third Schedule, the Fourth Schedule, the Fifth Schedule and the Sixth Schedule. The discharge of the old charge sits in the Fourth Schedule, so it is not discountable at all.
My refinance was rejected, or the rate offered is worse than advertised. Can the ombudsman help?
On its own published scope, no: the Financial Markets Ombudsman Service lists general or product pricing, fees and charges, product features, credit, margin or underwriting, and loan or financing restructuring or rescheduling applications as commercial decisions, outside its scope. BNM’s complaint page also lists a provider’s commercial decisions as outside its jurisdiction, and says BNMLINK does not provide legal opinions. What both will look at is conduct: whether the disclosure you were entitled to was given, whether a charge matches what was disclosed, whether a policy was bought on your behalf without your written consent.
Sources
Every page below was read on 22 September 2026. The Solicitors’ Remuneration Order came from the Malaysian Bar’s hosted copy of the gazette, the Stamp Act from LHDN’s own reprint, the two remission orders from LHDN’s published order list.
- Solicitors’ Remuneration Order 2023, P.U. (A) 207 — gazette text, hosted by the Malaysian Bar
- Stamp Act 1949 — LHDN’s own reprint, with items 22 and 27 of the First Schedule
- LHDN — the 30-day stamping rule and the late stamping penalties
- LHDN — Stamp Duty Self-Assessment System: the phases and what the duty payer must do
- LHDN — exemptions and relief, including what sections 15 and 15A are for
- LHDN — the published list of stamp duty orders
- Stamp Duty (Remission) Order 2010 [P.U. (A) 376] — conventional to Shariah
- Stamp Duty (Remission) Order 2011 [P.U. (A) 81] — rescheduling or restructuring an Islamic facility
- Bank Negara Malaysia — Product Transparency and Disclosure, 2 December 2024, with the housing loan PDS template
- Bank Negara Malaysia — Personal Financing, 30 September 2025, paragraph 10 on refinancing and top-ups
- Bank Negara Malaysia — Reference Rate Framework, 27 March 2026
- Bank Negara Malaysia — Consumer Guide on the Revised Reference Rate Framework
- Bank Negara Malaysia — measures of 5 July 2013, including the tenure caps
- Bank Negara Malaysia — standardised housing loan documentation, 28 December 2012
- Bank Negara Malaysia — lodging a complaint, and what falls outside its jurisdiction
- Bank Negara Malaysia — the CCRIS report and free access through eCCRIS
- Financial Markets Ombudsman Service — jurisdiction, monetary limit, exclusions
- Financial Markets Ombudsman Service — when to submit and what to send
- Board of Valuers, Appraisers, Estate Agents and Property Managers — Seventh Schedule of prescribed fees
About this guide. Written by an independent Malaysian and re-checked against official sources on a schedule. It is general information, not legal, tax, financial or medical advice — rules, fees and thresholds in Malaysia change, sometimes without notice. Where a decision affects your money or your rights, confirm with the official agency or a licensed professional before acting.