Home Loan Calculator
See the True Cost of Your Property Before You Commit
Go beyond the monthly instalment. Estimate your repayment, total interest, down payment, loan agreement stamp duty and the cash you need upfront, then see how an extra monthly payment could cut your interest and shorten your loan. Plan your Malaysian property purchase with a clear picture of every ringgit.
Home Loan Details
Planning note: The monthly repayment is estimated using a standard amortising loan formula. Actual bank repayment may differ due to lock-in period, MRTA/MLTA, legal fees, valuation fees, flexi-loan structure, late charges and bank-specific terms.
Estimated Result
Estimated Monthly Repayment
RM 2,148.37
RM 450,000.00 loan at 4.00% p.a. 30-year loan tenure.
Estimated Loan AmountRM 450,000.00
Estimated Down PaymentRM 50,000.00
Total InterestRM 323,412.78
Total RepaymentRM 773,412.78
Loan Stamp DutyRM 2,250.00
Indicative Cash OutlayRM 52,250.00
Tip: Add an extra monthly payment to estimate potential interest savings and earlier settlement.
WhatsApp KKHOThis calculator does not constitute a bank offer, valuation, tax advice or legal advice. Property SPA stamp duty, legal fees, valuation fee, insurance / takaful and bank charges are not fully included unless separately assessed.
Yearly Amortisation Schedule
Indicative principal, interest and balance by year.
| Year | Principal Paid | Interest Paid | Total Paid | Estimated Balance |
|---|---|---|---|---|
| Year 1 | RM 7,924.66 | RM 17,855.76 | RM 25,780.43 | RM 442,075.34 |
| Year 2 | RM 8,247.53 | RM 17,532.90 | RM 25,780.43 | RM 433,827.81 |
| Year 3 | RM 8,583.54 | RM 17,196.88 | RM 25,780.43 | RM 425,244.27 |
| Year 4 | RM 8,933.25 | RM 16,847.18 | RM 25,780.43 | RM 416,311.01 |
| Year 5 | RM 9,297.21 | RM 16,483.22 | RM 25,780.43 | RM 407,013.81 |
| Year 6 | RM 9,675.99 | RM 16,104.44 | RM 25,780.43 | RM 397,337.82 |
| Year 7 | RM 10,070.20 | RM 15,710.22 | RM 25,780.43 | RM 387,267.62 |
| Year 8 | RM 10,480.48 | RM 15,299.95 | RM 25,780.43 | RM 376,787.14 |
| Year 9 | RM 10,907.47 | RM 14,872.96 | RM 25,780.43 | RM 365,879.67 |
| Year 10 | RM 11,351.86 | RM 14,428.57 | RM 25,780.43 | RM 354,527.82 |
| Year 11 | RM 11,814.35 | RM 13,966.08 | RM 25,780.43 | RM 342,713.47 |
| Year 12 | RM 12,295.68 | RM 13,484.74 | RM 25,780.43 | RM 330,417.79 |
| Year 13 | RM 12,796.63 | RM 12,983.80 | RM 25,780.43 | RM 317,621.16 |
| Year 14 | RM 13,317.98 | RM 12,462.44 | RM 25,780.43 | RM 304,303.18 |
| Year 15 | RM 13,860.58 | RM 11,919.85 | RM 25,780.43 | RM 290,442.60 |
| Year 16 | RM 14,425.28 | RM 11,355.15 | RM 25,780.43 | RM 276,017.32 |
| Year 17 | RM 15,012.99 | RM 10,767.44 | RM 25,780.43 | RM 261,004.33 |
| Year 18 | RM 15,624.64 | RM 10,155.79 | RM 25,780.43 | RM 245,379.69 |
| Year 19 | RM 16,261.21 | RM 9,519.22 | RM 25,780.43 | RM 229,118.48 |
| Year 20 | RM 16,923.72 | RM 8,856.71 | RM 25,780.43 | RM 212,194.76 |
| Year 21 | RM 17,613.22 | RM 8,167.21 | RM 25,780.43 | RM 194,581.55 |
| Year 22 | RM 18,330.81 | RM 7,449.62 | RM 25,780.43 | RM 176,250.74 |
| Year 23 | RM 19,077.63 | RM 6,702.79 | RM 25,780.43 | RM 157,173.11 |
| Year 24 | RM 19,854.88 | RM 5,925.54 | RM 25,780.43 | RM 137,318.23 |
| Year 25 | RM 20,663.80 | RM 5,116.62 | RM 25,780.43 | RM 116,654.43 |
| Year 26 | RM 21,505.68 | RM 4,274.75 | RM 25,780.43 | RM 95,148.75 |
| Year 27 | RM 22,381.85 | RM 3,398.57 | RM 25,780.43 | RM 72,766.90 |
| Year 28 | RM 23,293.72 | RM 2,486.70 | RM 25,780.43 | RM 49,473.18 |
| Year 29 | RM 24,242.74 | RM 1,537.68 | RM 25,780.43 | RM 25,230.43 |
| Year 30 | RM 25,230.43 | RM 549.99 | RM 25,780.43 | RM 0.00 |