LoyarBogel is generally patient. But these are five surefire ways to piss off a lawyer. And no, you’re not supposed to actually go and do these things.
1. Ask for a discount on the stamp duty
For the love of God, you are only entitled to a 50% discount on the stamp duty of your loan documents provided —
- you are a first time buyer; and
- your property purchase price is below RM400,000.
Or if you are taking an Islamic loan.
Other than that, YOU CANNOT HAS DISCOUNT!
Stop having the idea that we are trying to overcharge you. You can check how much we paid for your stamp duty by asking for a copy of your original Facilities Agreement. The stamp will actually show how much we paid on your behalf.
Here, I will teach you how to calculate the stamp duty payable for yourself:
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Facilities Agreement (Original): Loan sum (excluding MRTA/MRTT/Legal fees) x 0.5% = RMX
Facilities Agreement (Duplicate): RM10.00.
Facilities Agreement (Copies x 2): RM10.00 x 2 = RM20.00.
Deed of Assignment (x 4): RM10.00 x