Mortgage calculator
Mortgage Calculator Malaysia
Estimate the monthly repayment and upfront cash needed for a Malaysian housing loan.
Tool workspace
Mortgage Calculator inputs
Adjust the inputs and use the result as a quick estimate before a proper case review.
Mortgage
Mortgage Calculator
Monthly instalment, down payment, entry cost and interest.
Enter an amount above RM0. Commas are added automatically; up to 2 decimal places.
Enter 1–100%; decimals are allowed.
Enter 0–25%; decimals are allowed, e.g. 3.8.
Enter a whole number from 1 to 35 years.
Optional; for example legal, valuation or insurance costs.
Illustrative result
RM 2,326.64
RM 80,000 estimated cash needed upfront.
- Monthly repayment
- RM 2,326.64
- Loan amount
- RM 540,000
- Down payment
- RM 60,000
- Estimated entry cost
- RM 80,000
- Estimated total interest
- RM 437,188
First five years of amortisation
- Year 1
- RM 7,530 principal, RM 20,390 interest, RM 532,470 ending balance
- Year 2
- RM 7,821 principal, RM 20,099 interest, RM 524,649 ending balance
- Year 3
- RM 8,123 principal, RM 19,796 interest, RM 516,526 ending balance
- Year 4
- RM 8,438 principal, RM 19,482 interest, RM 508,088 ending balance
- Year 5
- RM 8,764 principal, RM 19,156 interest, RM 499,324 ending balance
How it works
Read the result with the formula and assumptions in mind.
Short answer
This calculator shows estimated monthly repayment, loan amount, down payment, entry cost and total interest based on the property price, margin, rate and tenure.
Formula
Calculation logic
Loan amount = property price x loan margin. Down payment = property price - loan amount. Monthly repayment then uses the standard amortising loan formula based on principal, monthly interest rate and total number of months.
Example
Worked scenario
Example: for a RM600,000 property at 90% margin, the calculator shows the RM60,000 down payment, estimates the loan amount, then calculates instalment and total interest across the selected tenure.
Assumptions
Before using the number
- The rate is treated as a fixed annual rate for illustration.
- Legal fees, valuation, stamp duty and insurance may differ by case.
- Bank packages can change the final repayment and upfront cost.
Interpretation
How to use the result
- Use the instalment together with down payment and entry-cost cash, not on its own.
- A longer tenure may lower the monthly payment while increasing total interest.
- Re-test the rate before committing because the illustration assumes the entered rate throughout.
Method and sources
What supports the illustration
Methodology last reviewed 19 July 2026.
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