Home Loan Calculator Malaysia 2026
Loan Details
Islamic profit rate uses the same amortization formula for comparison.
Monthly Repayment
Loan
Total Cost
Upfront Costs
Amortization Schedule (First 12 Months)
| Month | Payment | Principal | Interest | Balance |
|---|
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Rate Reference
Typical Home Loan Rates (March 2026)
| Bank | Type | Rate (p.a.) |
|---|---|---|
| Maybank | Conventional | 4.20% – 4.50% |
| CIMB | Conventional | 4.25% – 4.60% |
| Public Bank | Conventional | 4.10% – 4.40% |
| Hong Leong | Conventional | 4.15% – 4.45% |
| Bank Islam | Islamic | 4.20% – 4.55% |
| Maybank Islamic | Islamic | 4.25% – 4.50% |
BNM Loan Margin (LTV) Rules
| Property | Max LTV |
|---|---|
| 1st property | 90% |
| 2nd property | 80% |
| 3rd+ property | 70% |
DSR Thresholds
| Category | Typical DSR |
|---|---|
| Standard banking | 60 – 70% |
| Premium / private | Up to 80% |
Sources: Bank Negara Malaysia • Stamp Act 1949 (LHDN) • SRO 2023 Table A
Related: Net Cashflow Calculator • Stamp Duty Calculator • RPGT Calculator
About This Home Loan Calculator
This free home loan calculator computes your monthly instalment, total interest, debt service ratio (DSR), and full upfront costs for buying property in Malaysia. It works for both conventional and Islamic financing — the mathematical formula is identical for comparison purposes (reducing balance amortization).
How Home Loan Instalments Are Calculated
Malaysian banks use the reducing balance method: each monthly payment covers that month’s interest on the remaining balance, with the rest paying down principal. As you pay down the loan, the interest portion shrinks and the principal portion grows. This is why early payments are mostly interest — in the first year of a RM 450,000 loan at 4.5%, about 74% of each payment goes to interest. By year 25, it flips to 80% principal.
What Is DSR and Why It Matters
Debt Service Ratio (DSR) is the percentage of your net income that goes to debt repayment. Banks use it to determine loan eligibility — most Malaysian banks cap DSR at 60–70% of net income. The Eligibility tab calculates your DSR including your proposed home loan, existing car and personal loans, PTPTN, and credit card commitments (calculated at 5% of your total limit, per BNM guidelines). If your DSR exceeds the bank’s threshold, the calculator shows the maximum property price you can afford within the limit.
Upfront Costs Beyond the Down Payment
Many buyers budget only for the down payment and are surprised by additional costs: MOT stamp duty (1–4% tiered), loan agreement stamp duty (0.5%), SPA and loan legal fees (1–1.25%), and valuation fees (~RM 300). For a RM 500,000 property at 90% loan, total cash needed is approximately RM 73,000 — not just the RM 50,000 down payment. Use our Stamp Duty Calculator for a detailed stamp duty breakdown.
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