Refinance Calculator

Compare your current home loan against a refinance and see the break-even point. Educational estimate only.

Current loan

Outstanding balance (RM) Current rate (% p.a.) Remaining tenure (years)

Refinance offer

New rate (% p.a.) New tenure (years) Refinancing costs: legal + valuation (RM)

Current monthly repaymentRM2,224

New monthly repaymentRM2,086

Monthly savingRM138

Break-even on costs44 months

Cumulative cost: keep vs refinance

Refinancing starts behind (you pay the costs first), then pulls ahead after the break-even point.

Watch the lock-in period on your current loan: settling early may trigger a penalty (often 2% to 3% of the original loan). Verify offers with Bank Negara Malaysia and your bank. Educational use only.