Loan Calculator

Estimate your monthly instalment and stamp duty. These are estimates only, and banks decide the final numbers.

Property price (RM)

Down payment (%)

Banks usually lend up to 90% of the price, so 10% down is the norm.Interest rate (% per year)

Most home loans today charge around 4% a year. Your bank sets your exact rate.Loan period (years)Most banks allow up to 35 years, or until you turn 70, whichever comes first.

Any rebate or discount?NoneThe price stays as listed.RebateCash off, SPA (sale contract) price stays full. Most new launches work this way.DiscountThe SPA price itself drops.

Rebate / discount (%)

How much the developer gives you.

Monthly instalment

Loan amount

Stamp duty (ownership transfer)

Stamp duty (loan agreement)

These are estimates only, not a bank offer.

How to use this

Type the property price or drag the slider, then set the down payment, interest rate and loan period to match your plan. The numbers update as you go. Most buyers start with 10% down and 35 years, which gives the lowest monthly instalment.

What the result covers

The monthly instalment assumes the interest rate stays the same for the whole loan. We also show the two stamp duties: ownership transfer (MOT) and loan agreement. That way the biggest upfront taxes do not catch you off guard.

What it leaves out

A few real costs are not in these numbers:

Legal fees: the sale agreement and the loan agreement each have their own lawyer’s bill
Valuation fees (mainly for completed properties)
MRTA / MLTA: the loan insurance most banks will offer you
Monthly maintenance fees and sinking fund
Quit rent and assessment tax every year

And a low instalment doesn’t mean the bank will approve you. That depends on your income and debts. Check that with the DSR Calculator.

Read the guide: First-Time Buyer: How Buying a New Launch Actually Works

Tools

DSR Calculator Stamp Duty Calculator