Tools
Mortgage Calculator
Quick estimate of your monthly home loan repayment in Malaysia. Enter your property price and the calculator updates as you type.
Market average: ~3.7% p.a.
Maximum mortgage loan tenure is typically 35 years.
Monthly repayment
RM 2,578
- Loan amount
- RM 540,000
- Total interest
- RM 388,099
- Total payable
- RM 928,099
How to use this calculator
Start with the price of the property you're considering. Adjust the down payment to match what you've saved — most Malaysian banks finance up to 90% of the property value, so a 10% down payment is the common minimum.
The interest rate field defaults to 4.0%, which is roughly the prevailing effective lending rate (ELR + spread) for Malaysian residential mortgages in 2026. Your actual offer will depend on your bank, credit profile, and whether you're locked in to the Standardised Base Rate (SBR).
What the result includes
The monthly repayment uses the standard amortisation formula and assumes a flat interest rate over the tenure. Total interest is the sum of all interest paid across the tenure if you stick to the original schedule — settling early or making partial-redemption lump sums will reduce this.
What's NOT included
- — SPA stamp duty & loan stamp duty (use our stamp duty calculator)
- — Whether the bank will approve this loan based on your income (check our DSR calculator)
- — Legal fees for the SPA & loan agreements
- — Valuation fees
- — MRTA / MLTA insurance premiums
- — Maintenance / sinking fund (for stratified properties)
- — Quit rent & assessment
Estimates only. Confirm actual figures with your chosen bank before signing.