House Loan Calculator Malaysia
Get instant, accurate monthly repayment estimates and check your loan eligibility with our advanced DSR calculator. Plan your budget, compare loans, and take the first step towards homeownership in Malaysia.
Check Your Loan Eligibility (DSR)
Last Updated: September 23, 2025. Aligned with the latest Malaysian OPR and bank rate trends.
Why Financial Clarity Matters
Using a reliable Malaysian house loan calculator is the first step to a confident and stress-free property purchase.
Budget with Confidence
Plan your monthly budget before applying to avoid financial surprises.
Compare Bank Rates
See how different housing loan interest rates in Malaysia affect your payments.
Explore Loan Tenures
Understand how shorter or longer terms can help you save on total interest.
Check Affordability
Get a clear picture of the property value you can realistically aim for.
Your Home Buying Journey in 5 Steps
Follow this simple roadmap from initial calculation to getting your house keys.
1. Calculate & Plan
Use our calculators to determine your budget, estimate monthly payments, and check your loan eligibility.
2. Apply for a Loan
Submit your application to multiple banks. Compare the offers, interest rates, and terms you receive.
3. Sign Legal Documents
Once you accept an offer, you’ll sign the Letter of Offer, Sale and Purchase Agreement (SPA), and Loan Agreement.
4. Pay Fees & Stamp Duty
Settle the required legal fees, valuation fees, and government stamp duties. Use our calculator to estimate these costs.
5. Get Your Keys!
After the bank disburses the loan to the seller, you will receive the keys to your new home. Congratulations!
Plan Every Step of Your Home Purchase
Beyond the monthly repayment, prepare for all associated costs with our specialized financial tools.
Loan Amortization Calculator
See a detailed breakdown of your principal and interest payments over the entire loan amortization in Malaysia.
View Schedule →Loan Eligibility Calculator
Check how much you can likely borrow from Malaysian banks based on your income and commitments.
Check Eligibility →Stamp Duty Calculator
Estimate the stamp duty costs for your Sale and Purchase Agreement (SPA) and loan agreement.
Calculate Fees →Compare Major Malaysian Bank Loan Features
Get a quick overview of indicative rates and terms from leading banks to help your research.
| Bank | Indicative Rate | Max Tenure | Margin of Finance |
|---|---|---|---|
| Maybank | ~ 4.05% | 35 years | Up to 90% |
| CIMB Bank | ~ 4.10% | 35 years | Up to 90% |
| Public Bank | ~ 3.99% | 35 years | Up to 90% |
| RHB Bank | ~ 4.15% | 35 years | Up to 90% |
Disclaimer: Rates are indicative and subject to change. Please consult the respective banks for the latest official offers.
Smart Ways to Save on Your Home Loan
Small adjustments can lead to significant savings over the life of your loan.
Pay More Than Your Monthly Minimum
Even an extra RM100 per month goes directly towards reducing your principal, which can shave years off your loan and save you thousands in interest.
Consider a Shorter Loan Tenure
While monthly payments are higher, a 25-year loan instead of a 35-year one can result in massive interest savings. Use the calculator above to see the difference.
Refinance When Rates Drop
After your lock-in period, if interest rates are significantly lower, refinancing your loan can reduce your monthly payments or help you pay it off faster.
Hear From Our Users
See how our tools have helped Malaysians on their home buying journey.
“The calculator was so easy to use! It gave me the clarity I needed to start house hunting. I finally knew exactly what I could afford.”
“I used the Stamp Duty and Amortization calculators to plan all my costs. No surprises at all when I signed the papers. Highly recommended.”
“This website helped me compare different loan tenures. I opted for a 25-year loan and will save over RM80k in interest. Thank you!”
Latest Home Loan Insights in Malaysia
How OPR Changes Affect Home Loan Interest
Understand the impact of Bank Negara’s OPR on your monthly repayments and what to expect in the future.
Which Bank Offers the Lowest Housing Loan Rates?
A detailed comparison of current offerings from major banks in Malaysia to help you find the best deal.
Early Settlement Tips to Save on Interest
Learn strategies for prepaying your home loan to reduce your total interest payable and own your home sooner.
Frequently Asked Questions
What is a good housing loan interest rate in Malaysia?
As of late 2025, a competitive rate from major Malaysian banks is typically between 3.8% and 4.5% p.a., depending on your credit profile, loan amount, and the bank’s current Base Rate (BR).
How much down payment is standard in Malaysia?
For Malaysian citizens buying their first or second property, a 10% down payment is standard. For a third property onwards, banks require a minimum of 30%.
What is DSR and why is it important?
DSR (Debt Service Ratio) is a critical formula banks use to assess your repayment ability. It compares your total monthly debt to your net income. Most banks prefer a DSR below 60-70% for loan approval.
What is a loan lock-in period?
A lock-in period is a timeframe (usually 3-5 years) during which you cannot fully settle your loan or refinance without paying a penalty. It’s important to check this clause in your loan agreement.
What other costs are involved in buying a house?
Besides the down payment, you need to budget for Stamp Duty, legal fees for the SPA and Loan Agreement, valuation fees, and potentially mortgage insurance (MRTA/MLTA). Our other calculators can help you estimate these.
Your Trusted Partner in Home Financing
Reviewed by Azlan bin Ahmad
Certified Financial Planner (CFP)
With over 12 years of experience in the Malaysian mortgage industry, Azlan ensures our calculators and content meet the highest standards of accuracy and relevance for local home buyers.
Our Data is Based on Leading Financial Institutions:
Ready to Plan Your Dream Home?
Use our free and accurate House Loan Calculator for Malaysia now and take the next confident step on your homeownership journey.