Enter your property price, down payment, rate and tenure to see your monthly repayment.
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How the home loan calculator works
Malaysian home loans use the reducing balance method — interest is charged only on your outstanding balance, which shrinks every month as you pay. This calculator uses the standard amortisation formula:
M = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where r is the monthly rate and n is the number of months.
What affects your monthly repayment?
Three levers matter most: the loan amount (after down payment), the interest rate, and the tenure. A longer tenure lowers your monthly instalment but raises total interest paid. Even a 0.25% rate difference can mean tens of thousands of ringgit over 30 years.
Down payment & extra costs
Most banks finance up to 90% of the property value, so plan for at least a 10% down payment. Remember additional costs: stamp duty on the transfer (MOT), loan agreement stamp duty (0.5%), legal fees and valuation fees.
Angka di sini adalah anggaran. Kadar sebenar bergantung pada tawaran bank, jenis pakej (fixed/flexi) dan profil kredit anda.
Soalan Lazim (FAQ)
Berapa down payment minimum untuk rumah di Malaysia?
Biasanya 10% daripada harga rumah kerana bank membiayai sehingga 90% (margin of finance). Rumah ketiga dan ke atas mungkin memerlukan down payment lebih tinggi.
Apakah pinjaman flexi?
Pinjaman flexi membenarkan anda membayar lebih untuk mengurangkan faedah, dan mengeluarkan lebihan bila perlu. Ia menjimatkan faedah jika anda ada aliran tunai tambahan.
Adakah kalkulator ini termasuk MRTA/insurans?
Tidak. MRTA/MLTA dan yuran guaman dikira berasingan. Tambahkannya untuk gambaran kos penuh.