Personal loans in Malaysia range from about 5.5% to 18% per year depending on your income, employer and CCRIS history — and because they're amortising loans (not flat-rate hire purchase), the quoted rate is the real rate. This calculator shows your exact instalment and how much room the loan leaves in your Debt Service Ratio.
Pinjaman peribadi di Malaysia bermula daripada lebih kurang 5.5% hingga 18% setahun bergantung kepada pendapatan, majikan dan sejarah CCRIS anda — dan kerana ia pinjaman amortisasi (bukan sewa-beli kadar tetap), kadar yang dipetik ialah kadar sebenar. Kalkulator ini menunjukkan ansuran tepat anda dan berapa banyak ruang yang ditinggalkan pinjaman dalam Nisbah Bayaran Hutang anda.
Use it before signing to check the monthly commitment against your income, and to compare two offers on total interest rather than instalment size.
Gunakan sebelum menandatangan untuk semak komitmen bulanan terhadap pendapatan anda, dan untuk membandingkan dua tawaran atas jumlah faedah dan bukannya saiz ansuran.
Salaried borrowers with income above RM5,000 and clean CCRIS records typically get 5.5%–8%. Below RM3,000 income or past late payments pushes toward 12%–18%. Licensed moneylenders charge up to 12% (legal cap) — always check the licence with the Ministry of Housing.
Peminjam bergaji dengan pendapatan atas RM5,000 dan rekod CCRIS bersih biasanya mendapat 5.5%–8%. Pendapatan bawah RM3,000 atau bayaran lewat lepas menolak ke arah 12%–18%. Pemberi pinjaman berlesen caj sehingga 12% (had undang-undang) — sentiasa semak lesen dengan Kementerian Perumahan.
Every personal loan instalment counts 100% toward your DSR. A RM600/month personal loan can reduce your home loan eligibility by roughly RM100,000–120,000 at typical rates. Clear small personal loans before applying for home financing.
Setiap ansuran pinjaman peribadi dikira 100% ke dalam DSR anda. Pinjaman peribadi RM600/bulan boleh mengurangkan kelayakan pinjaman rumah anda sebanyak lebih kurang RM100,000–120,000 pada kadar lazim. Lunaskan pinjaman peribadi kecil sebelum memohon pembiayaan rumah.
Longer tenure lowers the instalment but dramatically increases total interest — on a RM30k loan at 7%, 10 years costs about RM6,500 more interest than 5 years. Choose the shortest tenure whose instalment stays under 15% of your income.
Tempoh lebih panjang menurunkan ansuran tetapi meningkatkan jumlah faedah secara mendadak — untuk pinjaman RM30k pada 7%, 10 tahun menelan kira-kira RM6,500 lebih faedah daripada 5 tahun. Pilih tempoh terpendek yang ansurannya kekal bawah 15% pendapatan anda.
It can work if the new rate is lower than what you're paying on credit card revolving (15%+) and you commit to not reusing the cards. Model it here: total interest on the consolidation loan must be clearly less than the interest you'd pay carrying the old debts.
Ia boleh berhasil jika kadar baharu lebih rendah daripada yang anda bayar pada pusingan kad kredit (15%+) dan anda berikrar untuk tidak menggunakan kad semula. Modelkan di sini: jumlah faedah pinjaman konsolidasi mestilah jelas lebih rendah daripada faedah yang anda bayar membawa hutang lama.
Need a different calculator? Try our Bahasa Melayu version or the English version, or go back to the main calculators. Perlu kalkulator lain? Cuba versi English kami atau kembali ke kalkulator utama.