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Exit costs · Check 5

Selling isn't
free.

Everyone plans the way in — the loan, the deposit, the lawyer. Almost nobody prices the way out: agent, legal, penalties, repairs, RPGT. Add them up before you count your profit.

← All 8 numbers to check before you buy

Your exit

Exit costs = agent + legal + penalty + repairs + RPGT.

The sale
RM
Selling costs
standard professional scale allows up to 3% (+ SST)
RM
RM
typically 2–3% of the loan if you sell within the lock-in period — check your letter of offer
RM
RM
compute it exactly with the RPGT calculator — citizens usually pay 0% from year 6
Your true profit (optional)
RM
RM
your negative cash flow × months held — see the cash-flow calculator
Total exit costs
RM 0
Enter your expected sale price to begin
Agent fee (3%)RM 0
Legal & misc feesRM 0
Redemption / lock-in penaltyRM 0
Repairs / reinstatementRM 0
RPGTRM 0
Total exit costsRM 0
Sale priceRM 0
Less exit costs− RM 0
Net proceedsRM 0
What you actually made
RM 0
Net proceedsRM 0
Less price you paid− RM 0
Less monthly top-ups− RM 0
True profitRM 0
Would a fixed deposit have done better over the same years — with none of the stress?
Your total exit costs and net proceeds will show here.

The costs waiting at the exit

You negotiated hard on the way in. The way out has its own price list — most of it invisible until the lawyer's final statement.

3%

Agent fee + SST

The professional scale allows up to 3% of the sale price — plus SST. On an RM886k sale that's ~RM26,580 before anything else.

RM8k+

Legal + redemption paperwork

Discharge of charge, redemption statement, SPA lawyer on the sale side — the way out has its own legal bill.

0–30%

RPGT on your gain

A rate ladder by holding year — citizens usually hit 0% from year 6. Work out yours exactly.

6 mths?

The forgotten cost: time on market

Every month waiting for a buyer is another instalment, maintenance bill and top-up — paid in full while you wait.

Questions

How much is the agent's fee?
The professional scale allows up to 3% of the sale price, plus SST. It's negotiable — but a good agent who fights for a higher price can be worth every percent. Budget the full 3% and treat anything less as a bonus.
What is a loan redemption penalty?
Most home loans have a lock-in period — typically the first 3–5 years. Sell (or refinance) within it and the bank charges a penalty, usually 2–3% of the original loan amount. The exact terms are in your letter of offer — read it before you list.
When does RPGT apply?
Real Property Gains Tax is charged on your profit on a holding-period ladder — highest in the first 3 years, easing after. Citizens generally pay 0% from year 6 onwards. Exact rates, allowable costs and exemptions are in the RPGT calculator.
Why count my monthly top-ups?
Because that money is gone too. If the rent never covered the instalment and costs, every monthly top-up was you paying to hold the property — it's part of the deal, not a separate expense. Profit is what's left after ALL of it — not just sale price minus purchase price.

General education only — not financial or tax advice. Agent fees, legal fees and RPGT rates change with each Federal Budget and vary case by case; lock-in terms differ by bank and letter of offer. Confirm your actual numbers with your lawyer, your bank and LHDN before you sell.