Home Loan & Affordability Calculator

Estimate your monthly repayment and the maximum property price you can afford in Malaysia. Educational estimate only, not a loan offer.

Your repayment

Property price (RM) Down payment (%) Interest / profit rate (% p.a.) Tenure (years)

Loan amountRM450,000

Monthly repaymentRM2,049

Total interestRM410,580

What you can afford

Net monthly income (RM) Existing monthly commitments (RM) Debt Service Ratio cap (%)

Most banks approve when total commitments stay within roughly 60% to 70% of net income.

Affordable monthly repaymentRM4,100

Estimated max loanRM900,000

Estimated max property priceRM1,000,000

Where your repayment goes

Over a long tenure, interest can rival the loan itself. This splits principal against total interest paid.

Rates reviewed June 2026. Actual rates, margin of finance, and DSR policy vary by bank and applicant. Verify with Bank Negara Malaysia and your lender. Educational use only, not financial advice.