Home Loan Calculator Malaysia
Calculate your monthly mortgage payment, DSR, and total costs
Mortgage Calculator
Home Loan Tips
- 1Aim for at least 10% down payment to reduce monthly installments
- 2Keep DSR below 70% for better loan approval chances
- 3Compare interest rates from multiple banks
- 4Consider fixed rate for first few years for stability
- 5Factor in legal fees, valuation fees, and insurance costs
- 6Use EPF for down payment if you're a first-time buyer
Understanding Home Loans in Malaysia
A home loan calculator helps you determine how much you can borrow, what your monthly payments will be, and whether you qualify based on your income and existing commitments. Use our comprehensive tools to make informed decisions about your property purchase.
Home loan calculator FAQ
What does this home loan calculator include?
It calculates monthly instalment using the reducing-balance formula and total interest paid over the tenure. It does not include stamp duty (~3-4% of property price) or legal fees — those are paid upfront separately.
What home loan tenure should I pick?
Banks in Malaysia offer up to 35 years for home loans. Common: 30 years for first-time buyers, 20-25 years for second properties. Longer tenure = lower monthly payment but much higher total interest.
How does DSR affect home loan eligibility?
Bank Negara guidelines cap DSR at 60% for most banks (some allow 70-80% for high earners). DSR = total monthly debt commitments ÷ gross monthly income.
Is the rate fixed or variable?
Most Malaysian home loans use a variable Base Rate (BR) + spread structure. The calculator shows the payment at the rate you set; if BR changes, the payment changes.
Do you offer home loans?
Banks generally offer better home-loan rates (3.5-6.5% per annum) than licensed moneylenders. We typically refer home-loan inquiries to bank partners. For 12-18% personal-loan rates, see our personal-loan calculator instead.
Amanah Best Credit Sdn Bhd (202301012345-D) is a licensed moneylender under the Moneylenders Act 1951 (Licence No: WL1234/5678). Interest rate: 12-18% per annum. Subject to terms, conditions and approval.