Home Loan Calculator
Check your eligibility and monthly instalment for free
1. How Much Can I Afford?
Loan Eligibility Check
Estimated Max. Property Price
RM 559k
Loan RM 503k · RM 3k/month · 30 yrs
Gross IncomeRM 5,000/mo
RM 1,500RM 15,000RM 30,000
Monthly CommitmentsRM 0/mo
Car loan, credit card, PTPTN, etc.
Loan Tenure30 years
10 yrs25 yrs35 yrs
Estimated net incomeRM 4k/mo
DSR limit (60%)RM 3k/mo
Available for housingRM 3k/mo
Deposit required (10%)RM 56k
Estimated at 4.5% p.a., 60% DSR, 90% financing. For reference only — actual approval depends on your bank and credit profile.
2. Monthly Instalment for a Specific Property
Loan Calculator
Estimated Monthly Instalment
RM 2,280/mo
Loan: RM 450,000 · 30 yrs · 4.5% p.a.
Interest Rate Preset
Loan Amount (LTV)90% — RM 450,000
70%90%100%
Loan Tenure30 years
5 yrs20 yrs35 yrs
Interest Rate4.50% p.a.
3%4.5%6%
Property Price / Harga HartanahRM 500,000
Down Payment (10%)RM 50,000
Total InterestRM 370,830
Total RepaymentRM 820,830
Indicative only. Actual rates depend on your bank, credit profile, and property type. Consult a mortgage advisor before committing.
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