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.
| Year | Tahun | Paid / year | Dibayar / tahun | Interest | Faedah | Principal | Pokok | Balance | Baki |
|---|
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.
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.
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.
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.
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.
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.