Mortgage calculator
Mortgage Comparison Calculator Malaysia
Compare two loan packages side by side before choosing a bank offer.
Short answer
Mortgage Comparison Calculator
This calculator compares two mortgage scenarios so you can see the difference in monthly payment and total interest.
Best used for
Quick estimate before deeper review.
Compare two loan packages side by side before choosing a bank offer.
Tool workspace
Mortgage Comparison Calculator inputs
Adjust the inputs and use the result as a quick estimate before a proper case review.
Mortgage
Mortgage Comparison Calculator
Compare two packages by payment and total interest.
Loan A
Loan B
Result
Loan B
RM 42,726 total interest difference.
How it works
Read the result with the formula and assumptions in mind.
Formula
Calculation logic
Each package is amortised separately using its loan amount, rate, tenure and extra payment. The calculator then compares total interest and monthly payment.
Example
Worked scenario
Example: compare a 3.8% package against a 4.1% package, or test whether extra monthly payment meaningfully reduces total interest.
Assumptions
Before using the number
- The comparison focuses on instalment and interest, not approval chance.
- Fees, lock-in periods, MRTA or MLTA and flexibility terms should be checked separately.
- A lower monthly payment is not always the best package if total cost is higher.