Estimate the repayment
Enter the property price, expected loan margin, indicative interest rate and tenure. This gives a planning instalment, not an approved bank offer.
Free Malaysia property planning tool
Property & Home Loan Calculator
Start with monthly repayment and DSR affordability, then estimate stamp duty, legal fees, progressive payments and rental ROI before shortlisting a Malaysian property.
Planning estimate, not bank approval
Actual eligibility, rates and instalments depend on the lender, borrower profile and approved loan package.
First-time buyer guide
New to property loans? Start with these three numbers.
You do not need to understand every banking term before using this page. Begin with the property price, the cash you can prepare and a monthly payment that still leaves room for normal life.
Check your DSR
Add every existing monthly debt repayment. DSR compares total debt commitments with the income basis recognised by the bank.
Prepare more than the deposit
Allow for stamp duty, legal work, loan documentation, insurance, valuation, maintenance, renovation and emergency savings.
Loan marginThe percentage of the property price financed by the bank.
DSRMonthly debt commitments divided by the income basis used by the lender.
Reducing balanceInterest is calculated on the outstanding loan, which falls as principal is repaid.
Balance after 5 yearsRM 0
Balance after 10 yearsRM 0
First-year principal paidRM 0
First-year interest paidRM 0
Complete buyer cost toolkit
Estimate the costs beyond your monthly instalment.
Open each calculator when relevant. These figures are planning estimates; obtain current written quotations from your banker, solicitor, developer and tax adviser before committing.
03Stamp Duty (MOT) Calculator
Estimate transfer and loan agreement stamp duty
For transfer duty, Malaysian valuation practice uses the consideration or assessed market value, whichever is higher. First-home exemptions and special reliefs are not automatically applied.
Estimated MOT dutyRM 0
Loan agreement dutyRM 0
Estimated total stamp dutyRM 0
04Legal Fees Calculator
Estimate SPA and financing legal fees
The estimate uses the Solicitors’ Remuneration Order 2023 scale and applies the prescribed HDA percentage for qualifying developer transactions. Disbursements and additional work are excluded.
SPA legal feeRM 0
Loan legal feeRM 0
Service tax estimateRM 0
Estimated total legal feesRM 0
Excludes searches, registration, consent, valuation, statutory forms and other disbursements.
05New Launch Payment Timeline
Illustrate Schedule H progressive loan releases
The table shows how a strata new-launch loan may be released as certified construction stages are completed. Actual claims, dates, rebates and financing arrangements vary.
Buyer’s initial 10%RM 0
Estimated loanRM 0
Full instalment after completionRM 0
| Stage | Claim | Estimated bank release | Cumulative loan released | Monthly progressive interest |
|---|
Illustration only. Schedule G applies to prescribed landed housing, while Schedule H applies to prescribed subdivided buildings. Confirm the actual SPA schedule and bank drawdown.
06Investor ROI Calculator
Test rental yield and cash flow without relying on appreciation
Use realistic rent, vacancy and ownership costs. The core return below excludes future price appreciation because that outcome cannot be guaranteed.
Gross rental yield0%
Net yield before financing0%
Estimated annual cash flowRM 0
Cash-on-cash return0%
Break-even monthly rentRM 0
Does not include tax, agent fees, repairs, furnishing replacement, major vacancies or capital appreciation unless entered as a cost.
Malaysia property loan guide
How to read the calculator before choosing a home.
A useful property budget combines loan affordability, upfront purchase costs and the ongoing cost of owning the home. These four checks explain what each result means.
Monthly repayment uses a reducing balance
Malaysian housing loans are commonly estimated with a reducing-balance formula. Your instalment includes interest and principal, while the interest portion is higher earlier in the tenure. The final bank schedule depends on the approved rate and product terms.
DSR is a planning ratio, not one fixed rule
Debt service ratio compares monthly debt commitments with the income basis accepted by a lender. Housing, car, credit-card, personal and education repayments should be entered separately. Banks can recognise income and commitments differently, so this result cannot guarantee approval.
Stamp duty and legal fees need professional confirmation
Transfer duty may be assessed on the consideration or market value, whichever is higher. Legal fees depend on the transaction and prescribed scale, while exemptions, disbursements and extra legal work can change the final cash required.
New-launch cash flow differs from completed property
For an under-construction project, the bank normally releases financing in stages. Progressive interest grows as more is released. Investors should also compare effective rent, vacancy, maintenance and financing instead of relying only on gross rental yield or hoped-for appreciation.
Reference material: JPPH stamp-duty guidance, Solicitors’ Remuneration Order 2023 and the prescribed Schedule H payment schedule. Rules, reliefs and professional charges can change.
Use the number carefully
A comfortable payment matters more than the maximum loan.
Keep room for maintenance charges, insurance, assessment, repairs, lifestyle spending and future rate changes. The bank’s maximum is not automatically your safe budget.
Read the Malaysia property loan guide
Need a project shortlist within your monthly comfort?
Send Jack the budget range and buying purpose. No loan approval is promised.
WhatsApp JackCalculator FAQ
Before relying on the estimate
How is monthly repayment calculated?
The estimate uses a standard reducing-balance amortisation formula. Actual bank figures may differ because of the approved rate, product structure, fees and rounding.
Does the affordability result guarantee approval?
No. It is only a planning estimate using the DSR limit you selected. Banks apply their own rules for income, commitments, age, credit profile and the property.
What costs may still be missing?
The page estimates several major costs, but final quotations can still include valuation, insurance, searches, registration, consent, statutory disbursements, maintenance, renovation, tax and project-specific charges. Confirm exemptions and reliefs separately.
Why test a higher interest rate?
A higher-rate comparison shows whether the payment would remain comfortable if financing costs rise. It is a sensitivity check, not a forecast.
What commitments should I include for DSR?
Include recurring housing, car, personal, education and other loan repayments plus minimum credit-card payments. A banker may assess additional commitments or recognise income differently.
Why can actual stamp duty and legal fees differ?
Valuation, buyer status, exemptions, transaction type, additional documents, disbursements and changes in law can affect the final amount. Always request current professional quotations.
What is progressive interest?
For an under-construction property, interest is generally charged on the loan amount already released to the developer. The amount rises as more construction stages are certified and financed.
What is a useful property ROI check?
Compare realistic effective rent with maintenance, vacancy, annual ownership costs and financing. Gross yield alone can look attractive while the actual cash flow remains negative.