Stamp duty exemption of 50% ( 50% pengecualian duti setem ) on instrument of transfer ( surat cara pindah milik ) and loan agreement instrument ( surat cara perjanjian pinjaman ) for a house not exceeding RM350,000.00 for the first time buyer come into effect 01/01/2011. This means, the candidates of My First Home Scheme ( Skim Rumah Pertamaku ) would enjoy this incentive, besides the other incentives highlighted earlier.