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Mortgage tool

Home Loan Calculator

Quick estimate for monthly installment based on loan amount, interest rate, and tenure.
Down payment
RM 50,000
10%
Loan amount
RM 450,000
Estimated monthly
RM 1,992
Total interest
RM 386,844
Total repayment breakdown
RM 836,844
54% principal • 46% interest
Principal: RM 450,000
Interest: RM 386,844
Estimates only. Banks may use different rate types (e.g. BFR/BLR based) and rounding.
Eligibility calculatorRefinancing calculator
How to use
How it works
  1. 1
    Enter price
    Fill in the property price.
  2. 2
    Set down payment
    Adjust the down payment % to get the loan amount.
  3. 3
    Set rate & tenure
    Enter interest rate (%/year) and loan tenure (years).
  4. 4
    Read results
    See estimated monthly installment and total interest.
FAQ
Common questions
Is this monthly installment exact?
It is an estimate using standard amortization. Banks may round differently and use BFR/BLR based packages.
Does this include MRTA/MLTA, legal fees, or stamp duty?
No. This calculator estimates loan repayment only. Extra costs vary by bank and property.
What interest rate should I use?
Use an estimated effective annual rate (e.g. 3.5%–4.5%) to plan. Your bank offer may differ.
What tenure should I use?
Try 30–35 years to compare affordability. Shorter tenure usually means higher monthly but lower total interest.
Why is my bank’s number different?
Banks may add insurance, use different day-count assumptions, or show effective rate vs nominal rate.
Can I use this for rent-to-own or flexi loans?
Use it as a baseline estimate. Special products can change the repayment schedule.