Calculate your home loan monthly repayment using reducing balance method. See total interest, income needed, and year-by-year amortisation schedule.
Malaysian home loans typically 3.5%–4.5% p.a.
Enter your property details and tap Calculate Mortgage.
Most Malaysian banks require your total monthly debt commitments (including this mortgage) to be below 60% of gross income. Use our DSR Calculator to check before applying.
First-time buyers can qualify for 90% margin of finance (10% down payment). Some government schemes offer up to 100% financing for eligible buyers.
A 30-year loan costs significantly more in total interest than a 25-year loan. If your DSR allows, choosing a shorter tenure saves tens of thousands of ringgit.
Buying a home in Malaysia is the biggest financial decision most people make. Understanding your mortgage repayment, total interest cost, and the income required to qualify helps you plan confidently and negotiate with lenders from a position of knowledge.
Unlike car loans (flat rate), Malaysian home loans use reducing balance interest. You pay interest only on the outstanding balance — as you repay principal, your interest charge falls each month. The standard formula uses the same monthly payment throughout the loan period.
| Parameter | 25 Years | 30 Years | 35 Years |
|---|---|---|---|
| Loan (RM400k @ 4%) | |||
| Monthly Payment | RM 2,112 | RM 1,910 | RM 1,766 |
| Total Repayment | RM 633,600 | RM 687,600 | RM 741,720 |
| Total Interest | RM 233,600 | RM 287,600 | RM 341,720 |
| Extra vs 25yr | — | +RM 54,000 | +RM 108,120 |
| Property | Max Financing | Min Down Payment |
|---|---|---|
| 1st property (any price) | 90% | 10% |
| 2nd property | 70% | 30% |
| 3rd property & above | 70% | 30% |
| Property above RM1M | 70% | 30% |