Know your real monthly commitment before you sign. Ketahui komitmen bulanan sebenar sebelum anda tandatangan.

House, car and personal loan calculators built for Malaysia — ringgit, stamp duty, DSR and local interest-rate norms included. Kalkulator pinjaman rumah, kereta dan peribadi untuk Malaysia — ringgit, duti setem, DSR dan kadar faedah lazim tempatan sekali.

Free · No signup Percuma · Tanpa daftar BM & English BM & English MYR · Malaysian rates RM · Kadar Malaysia
RM
%
10% is typical minimum for Malaysian bank financing.
10% biasanya minimum untuk pembiayaan bank di Malaysia.
%
Typical MY home loan: 3.8%–5.0% (linked to OPR / BRR).
Pinjaman rumah lazim MY: 3.8%–5.0% (terikat OPR / BR).
yearstahun
Max 35 years, or until age 65–70 depending on bank.
Maksimum 35 tahun, atau hingga umur 65–70 mengikut bank.
RM
Used for DSF/DSR affordability check (banks cap ≈ 60–70%).
Untuk semakan kemampuan DSR (bank had ≈ 60–70%).
Extra costs included: Kos tambahan termasuk:
Stamp duty (MRTT/DoR) + loan stamping 0.5% + legal estimate. Duti setem (MRTT/DoR) + setem pinjaman 0.5% + anggaran guaman.
Monthly instalmentAnsuran bulanan
RM 0/mo/bln
PrincipalPokok RM 0
InterestFaedah RM 0
Total financedJumlah pembiayaanRM 0
Total interestJumlah faedahRM 0
Total paidJumlah dibayarRM 0
Est. stamp duty + legalAng. duti setem + guamanRM 0
YearTahun Paid / yearDibayar / tahun InterestFaedah PrincipalPokok BalanceBaki

Malaysian loan basicsAsas pinjaman Malaysia

How banks decide: OPR, DSR and your CCRIS

Macam mana bank putuskan: OPR, DSR dan CCRIS anda

Most Malaysian home loans float with the OPR (overnight policy rate set by Bank Negara). Your application is judged mainly on the Debt Service Ratio — total monthly debt commitments divided by net income. Most banks approve up to 60–70% DSR. CCRIS/CCS records show your payment history; even one late payment on any loan can affect approval.

Kebanyakan pinjaman rumah di Malaysia mengambang dengan OPR (kadar dasar semalaman oleh Bank Negara). Permohonan anda dinilai terutamanya melalui Nisbah Bayaran Hutang — jumlah komitmen hutang bulanan dibahagi pendapatan bersih. Kebanyakan bank meluluskan sehingga DSR 60–70%. Rekod CCRIS/CCS menunjukkan sejarah bayaran anda; walaupun satu bayaran lewat boleh menjejaskan kelulusan.

Stamp duty when buying a home

Duti setem bila beli rumah

  • First RM100k: 1%
  • 100k pertama: 1%
  • Next up to RM500k: 2%
  • Seterusnya hingga 500k: 2%
  • Next up to RM1m: 3%
  • Seterusnya hingga 1j: 3%
  • Above RM1m: 4%
  • Melebihi 1j: 4%
  • Loan agreement stamping: 0.5% of loan
  • Setem perjanjian pinjaman: 0.5% daripada pinjaman

Why car HP feels cheaper than it is

Kenapa HP kereta nampak lebih murah daripada sebenarnya

Hire-purchase quotes a flat rate on the full financed amount for the whole tenure — even as you pay it down. A 3.0% flat rate over 7 years is roughly 5.5–5.8% effective. Always compare using the effective rate.

Sewa-beli memetik kadar tetap atas jumlah pembiayaan penuh untuk keseluruhan tempoh — walaupun anda sudah membayar ansuran. Kadar tetap 3.0% selama 7 tahun lebih kurang 5.5–5.8% efektif. Bandingkan sentiasa guna kadar efektif.

Personal loans: what to check before signing

Pinjaman peribadi: apa perlu semak sebelum tandatangan

  • Compare the effective interest rate, not just the monthly instalment.
  • Bandingkan kadar faedah efektif, bukan sekadar ansuran bulanan.
  • Watch for processing fees, stamping, and Takaful coverage bundled into the loan.
  • Perhatikan yuran pemprosesan, seteman, dan perlindungan Takaful yang dibungkus dalam pinjaman.
  • Early settlement on some contracts still charges remaining interest — check the settlement clause.
  • Penyelesaian awal pada sesetengah kontrak masih caj faedah baki — semak klausa penyelesaian.
  • Keep total DSR under 65% so a rate change or emergency doesn't tip you over.
  • Kekalkan DSR jumlah bawah 65% supaya perubahan kadar atau kecemasan tidak menenggelamkan anda.

Frequently asked questionsSoalan lazim

How much house can I afford on RM 8,000/month?Berapa rumah mampu dengan RM 8,000 sebulan?

At a 65% DSR cap and a 4.5% rate over 30 years, your maximum instalment is about RM 5,200, which finances roughly RM 1.06 million — assuming no other loans. Every existing car or personal loan instalment directly reduces this.

Pada had DSR 65% dan kadar 4.5% selama 30 tahun, ansuran maksimum anda kira-kira RM 5,200, iaitu pembiayaan lebih kurang RM 1.06 juta — andaikan tiada pinjaman lain. Setiap ansuran kereta atau pinjaman peribadi sedia ada terus mengurangkan jumlah ini.

Is the calculator's flat-rate car math accurate for Malaysia?Adakah kiraan HP kadar tetap untuk kereta tepat untuk Malaysia?

Yes — hire-purchase in Malaysia charges interest on the full financed amount across the whole tenure. That's why we also show the effective rate (≈1.7–1.9× flat), which is the honest number for comparison.

Ya — sewa-beli di Malaysia mengenakan faedah atas jumlah pembiayaan penuh merentas keseluruhan tempoh. Sebab itu kami juga tunjuk kadar efektif (≈1.7–1.9× tetap), iaitu angka jujur untuk perbandingan.

Does this use my data?Adakah ini menggunakan data saya?

No. Everything is calculated in your browser. Nothing is sent to any server, and your inputs are remembered only on your own device.

Tidak. Semuanya dikira dalam pelayar anda. Tiada apa dihantar ke pelayan, dan input anda diingati hanya pada peranti anda sendiri.

What is MRTT and do first-time buyers get exemptions?Apa itu MRTT dan adakah pembeli rumah pertama dapat pengecualian?

MRTT (Real Property Gains Tax on transfers) replaced stamp duty rules for property transfers in some states, and various exemption schemes for first-time buyers (up to RM500k) have been offered in federal budgets. Check the current year's rules with LHDN or your lawyer — exemptions are time-bound.

MRTT telah menggantikan peraturan duti setem untuk pemindahan hartanah di sesetengah negeri, dan pelbagai skema pengecualian untuk pembeli pertama (sehingga RM500k) pernah ditawarkan dalam belanjawan persekutuan. Semak peraturan tahun semasa dengan LHDN atau peguam anda — pengecualian ada tarikh luput.

Loankira provides estimates for planning purposes only and is not financial advice. Actual bank terms, rates, fees and approval criteria differ. Verify with your bank, lawyer or licensed financial planner before committing. Loankira memberikan anggaran untuk tujuan perancangan sahaja dan bukan nasihat kewangan. Terma, kadar, yuran dan kriteria kelulusan bank sebenar berbeza-beza. Sahkan dengan bank, peguam perancang kewangan berlesen anda sebelum membuat komitmen.