Home Loan Calculator

Estimate your monthly instalment, total interest and repayment schedule.

Property Price

Down Payment10% · RM 50,000

Interest Rate

% p.a.

Example rate only. Ask your banker for the latest rate offered to you.

Loan Tenure35 years

Estimated Monthly Instalment

RM 1,992

420 monthly payments

Loan Amount: RM 450,000
Down Payment: RM 50,000
Total Interest: RM 386,844
Total Repayment: RM 836,844

Show year-by-year repayment schedule

Year	Principal Paid	Interest Paid	Balance
1	RM 6,019	RM 17,890	RM 443,981
2	RM 6,265	RM 17,645	RM 437,716
3	RM 6,520	RM 17,390	RM 431,196
4	RM 6,785	RM 17,124	RM 424,411
5	RM 7,062	RM 16,848	RM 417,349
6	RM 7,350	RM 16,560	RM 409,999
7	RM 7,649	RM 16,261	RM 402,350
8	RM 7,961	RM 15,949	RM 394,389
9	RM 8,285	RM 15,625	RM 386,104
10	RM 8,623	RM 15,287	RM 377,481
11	RM 8,974	RM 14,936	RM 368,508
12	RM 9,340	RM 14,570	RM 359,168
13	RM 9,720	RM 14,190	RM 349,448
14	RM 10,116	RM 13,794	RM 339,332
15	RM 10,528	RM 13,382	RM 328,804
16	RM 10,957	RM 12,953	RM 317,847
17	RM 11,404	RM 12,506	RM 306,443
18	RM 11,868	RM 12,042	RM 294,575
19	RM 12,352	RM 11,558	RM 282,223
20	RM 12,855	RM 11,055	RM 269,369
21	RM 13,379	RM 10,531	RM 255,990
22	RM 13,924	RM 9,986	RM 242,066
23	RM 14,491	RM 9,419	RM 227,575
24	RM 15,081	RM 8,829	RM 212,494
25	RM 15,696	RM 8,214	RM 196,798
26	RM 16,335	RM 7,575	RM 180,463
27	RM 17,001	RM 6,909	RM 163,462
28	RM 17,693	RM 6,216	RM 145,769
29	RM 18,414	RM 5,496	RM 127,355
30	RM 19,164	RM 4,745	RM 108,190
31	RM 19,945	RM 3,965	RM 88,245
32	RM 20,758	RM 3,152	RM 67,487
33	RM 21,604	RM 2,306	RM 45,883
34	RM 22,484	RM 1,426	RM 23,400
35	RM 23,400	RM 510	RM 0

Rates last reviewed on 14 November 2026. Results are estimates for general guidance only and are not legal, tax or financial advice. Please confirm the final amounts with your lawyer, bank or tax adviser.

How the calculation works

Malaysian home loans are usually repaid in equal monthly instalments. In the early years most of each instalment goes to interest; over time a larger share pays off the principal. The calculator uses the standard reducing balance formula with interest calculated monthly.

Most banks finance up to 90% of the price for your first and second home loan (70% from the third).
Maximum tenure is usually 35 years or until you reach age 70, whichever comes first.
Floating rates follow the bank's Standard Rate (SR) plus a spread, so your instalment can change if the rate changes.

Not sure how much you can borrow? Try the Affordability Calculator.