Home Loan Calculator

Malaysian housing loan (reducing balance) calculator

Price → Monthly Monthly → Price

Monthly Budget (RM)

Interest Rate (p.a.): 3.50%

2%7%

Loan Tenure: 30 years

5 yrs35 yrs

Down Payment: 10%

0%30%

Max House PriceRM 618,597.18

Loan AmountRM 556,737.46

Down PaymentRM 61,859.72

Total InterestRM 343,262.54

Total PayableRM 900,000.00

Interest vs Principal Over Time

PrincipalInterestBalance

* Uses reducing balance calculation (monthly rest), standard for Malaysian housing loans. DSR (Debt Service Ratio) limits may apply — banks typically approve up to 70% of net income.