Malaysia Loan Calculators 2026

Mortgage, hire purchase, personal loan, business loan & Islamic financing β€” all in one place.

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Mortgage Calculator

Monthly repayment, amortization table & bank comparison

RM
%
%
yrs

Enter property details
and click Calculate

How to Calculate Your Mortgage in Malaysia

The monthly mortgage payment formula is: M = P Γ— [r(1+r)ⁿ] / [(1+r)ⁿ - 1] where P = principal, r = monthly interest rate, n = number of months.

For a RM500,000 home with 10% down payment at 4.35% for 30 years: Loan = RM450,000, monthly payment β‰ˆ RM2,237, total interest β‰ˆ RM355,000.

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Hire Purchase Calculator

Flat rate β†’ effective rate conversion + total cost breakdown

RM
%
%

Enter car details
and click Calculate

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Personal Loan + DSR Calculator

Monthly payment with debt service ratio (DSR) health check

RM
%

DSR Check (Optional)

RM
RM

Enter loan details
and click Calculate

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Business Loan Calculator

SME & BNM loan schemes with monthly repayment breakdown

RM
%

Enter business loan details
and click Calculate

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Interest Saving Calculator

How much do you save by paying extra each month?

RM
%
yrs
RM

See how much you save
with extra payments

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Islamic Home Financing (Murabahah)

Profit rate, Shariah-compliant β€” compare 5 Islamic banks

RM
%
%
yrs
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What is Murabahah?

The bank buys the property and resells it to you at cost + profit. No interest β€” Shariah-compliant.

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Enter financing details
and click Calculate

FAQ

Loan Calculator FAQ

Malaysian banks lend up to 90% LTV for properties below RM500,000 (first property). For RM500K–RM1M it's 80% LTV. Your maximum loan amount also depends on your DSR β€” banks generally require total monthly commitments to stay below 60–70% of gross income. A person earning RM6,000/month can service roughly RM3,600 in monthly commitments.
DSR = (All Monthly Debt Payments Γ· Gross Monthly Income) Γ— 100. It includes car loans, credit card minimums, personal loans, and the new mortgage. Banks in Malaysia typically approve loans with DSR below 60–70%. High-income earners may get higher limits. Our calculator shows your DSR instantly.
Malaysia stamp duty tiers: 1% on first RM100K, 2% on RM100K–RM500K, 3% on RM500K–RM1M, 4% above RM1M. Example: RM600K property = RM1,000 + RM8,000 + RM3,000 = RM12,000. First-time buyers may qualify for exemptions under RUMAWIP or PR1MA.
Islamic profit rates are currently slightly lower than conventional rates (Bank Islam at 4.25% vs Public Bank 4.30%). However, the main difference is structural: Islamic Murabahah fixes the selling price upfront (no compounding surprises), while conventional loans may fluctuate with the OPR. Both can offer competitive pricing.
⚑ Malaysia Home Loan Rates 2026
Mortgage (Best)
4.30%
Public Bank
Mortgage (High)
4.50%
AmBank
Islamic (Best)
4.25%
Bank Islam
BNM OPR
3.00%
Since May 2023
Max Tenure
35 yrs
or until age 70
Max LTV
90%
First property