Home Loan Calculator

Calculate your monthly repayment, total interest, and amortization schedule

Loan Details
Minimum 10% for most Malaysian banks
Repayment Summary
Monthly Repayment
RM 0
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Loan Amount
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Total Interest
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Total Payment
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Down Payment
Principal
Interest
▶ View Yearly Amortization Schedule
YearPrincipalInterestBalance

How Home Loans Work in Malaysia

Most Malaysian banks offer home loans with tenures up to 35 years. The maximum loan-to-value (LTV) ratio is typically 90% for the first two residential properties, meaning you need a minimum 10% down payment.

Current Interest Rates

As of 2026, Malaysian home loan interest rates typically range from 3.5% to 4.5% per annum, based on the Base Rate (BR) plus a spread. Rates vary by bank and your credit profile.

What Affects Your Monthly Payment

Three factors determine your monthly repayment: the loan amount (property price minus down payment), the interest rate, and the loan tenure. A longer tenure means lower monthly payments but more total interest paid.

Additional Costs to Consider

Beyond monthly repayments, property buyers in Malaysia should budget for stamp duty (1-4% of property price), legal fees (typically 0.5-1%), valuation fees, and Mortgage Reducing Term Assurance (MRTA) insurance.