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Housing Loan Calculator Malaysia

Calculate monthly repayment, affordability, stress-tested repayment, total interest and how your loan balance reduces over time.

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Your loan

35y · 4.3%
Property & loan
RM
RM
%
RM
%
Optional costs
RM
RM
RM
RM
RM
Affordability
RM
RM
RM
RM
RM
Stress test
Current+1%+2%
%
Pay faster
RM
RM
Your estimated home loan commitment
RM 2,489.12
monthly repayment · 35 years · 4.3% p.a.
Stretched — review buffers
Loan amount
RM 540,000.00
Total interest
RM 505,430.40
Total repayment
RM 1,045,430.40
Gross DSR
31.1%

Calculated using reducing-balance amortisation based on your inputs.

Loan Summary

Where your home loan money goes

Your monthly repayment slowly shifts from mostly interest at the beginning to mostly principal toward the end.

Principal
RM 540,000.00
51.7%
Interest
RM 505,430.40
48.3%
Fees
RM 0.00
0.0%
Property price
RM 600,000.00
Downpayment
RM 60,000.00
10.0% of price
Amount financed
RM 540,000.00
Total cost over tenure
RM 1,045,430.40
Repayment + fees
Principal vs interest by year
See how more of your money pays down the loan over time
Your loan balance journey
Outstanding balance reduces over the years
Formula
Loan Amount = Property Price − Downpayment
Total Financed = Loan + Financed MRTA/MRTT + Other Financed Costs
Monthly Rate (r) = Annual Rate / 12 / 100
Total Months (n) = Tenure Years × 12
Monthly Repayment = P × r × (1+r)^n / ((1+r)^n − 1)
Total Repayment = Monthly Repayment × n
Total Interest = Total Repayment − Total Financed
Gross DSR = (Existing Commitments + New Repayment) / Gross Income × 100
Assumptions
  • User-entered interest / profit rate is used as-is.
  • Monthly repayment using equal-instalment reducing-balance amortisation.
  • No progressive interest during construction.
  • No late payment charges.
  • No rate change unless a stress test is selected.
  • Affordability result is a guide, not bank approval.
Source & reference
Needs verification
BNM Responsible Financing Policy Document (March 2026)

Bank Negara Malaysia · Last reviewed 2026-03-01

BNM's responsible financing principles for affordability assessment. BNM does NOT prescribe a single universal DSR limit — banks apply internal credit policy. Treat all thresholds shown as general guidance until the PDF is manually reviewed.

This calculator is not an official BNM or bank tool. Results are a planning guide only; the bank's letter of offer is final.
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