How to calculate housing loan repayment in Malaysia
KiraBoss Editorial· Last reviewed 2026-01-01· 1 min read
Malaysian housing loans use reducing-balance amortisation.
Monthly Repayment = P × r × (1+r)^n / ((1+r)^n − 1)
Where P is the financed amount, r is the monthly rate, n is total months.
Use the Housing Loan Calculator to see the full schedule and stress test.
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