What Is MOT (Memorandum of Transfer)?
MOT is the document that legally moves a property's title into your name. Here is what it is and how it differs from the SPA.
Quick answer
MOT (Memorandum of Transfer) is the legal document that transfers a property's title from the seller to you at the land office. It is different from the SPA (the sale contract) and from the loan agreement. You pay ad valorem stamp duty on the MOT, calculated on the property's price or market value.
Key takeaways
- MOT transfers the title into the buyer's name.
- It is different from the SPA (the sale contract).
- MOT stamp duty is separate from the loan agreement stamp duty.
- MOT stamp duty is based on the property price or market value.
MOT vs SPA vs loan agreement
- SPA: the contract that sets the price and terms of the sale.
- MOT: the document that registers the title in your name.
- Loan agreement: the contract with your bank for the financing.
What you pay on the MOT
MOT carries ad valorem stamp duty on a tiered scale based on the price or market value. Your lawyer handles the stamping and registration. Verify current rates with LHDN.
Checklist
- Know that MOT stamp duty is separate from loan stamp duty.
- Ask your lawyer when the MOT will be done (now or after title issue).
- Budget for MOT stamp duty based on the price.
Watch out for
- Do not confuse the SPA legal fee with MOT stamp duty — they are different.
- For master-title projects, MOT may only happen after the title is issued.
Frequently asked questions
Is MOT the same as the SPA?
No. The SPA is the sale contract; the MOT is the document that transfers the title into your name at the land office. They are separate steps with separate costs.
What does MOT stamp duty depend on?
It is based on the property's price or market value, on a tiered scale. Verify the current rates with LHDN or your lawyer.
Related guides
MOT Stamp Duty Explained (Tiered Rates)
MOT stamp duty uses a tiered scale. Here is how the bands work and a worked example, with a reminder to verify current rates.
Read guideProperty Buying Cost Checklist
The upfront costs of buying go beyond the down payment. Use this checklist so nothing surprises you.
Read guideLoan Fees: Stamp Duty, Legal and Valuation
The upfront costs of taking a home loan beyond the down payment: stamp duty, legal fees and valuation.
Read guideImportant
This content is for general education only. It is not legal, financial, banking, valuation, tax, investment, or property advice. Always verify with the relevant bank, lawyer, valuer, agent, developer, auctioneer, land office, LPPSA, LHDN, or authority before making decisions.
Last reviewed: 2026 edition · Rules, rates and fees change over time. Always confirm the latest figures with the relevant authority before you act.