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Malaysian housing loan (reducing balance) calculator

House Price (RM)

Interest Rate (p.a.): 3.50%

2%7%

Loan Tenure: 30 years

5 yrs35 yrs

Down Payment: 10%

0%30%

Monthly PaymentRM 2,020.70

Loan AmountRM 450,000.00

Total InterestRM 277,452.39

Total PayableRM 727,452.39

Stamp Duty (approx.)RM 9,000.00

Upfront costRM 59,000.00

Interest vs Principal Over Time

PrincipalInterestBalance

* Uses reducing balance calculation (monthly rest), standard for Malaysian housing loans. Stamp duty follows Malaysian tiered rates (1–4%).