Buying a property in Malaysia means juggling loan quantum, interest rates, stamp duty and the bank's DSR requirement. This calculator handles all of it in seconds — enter the property price, your down payment, the interest rate quoted by your bank and the tenure, and you get your exact monthly instalment plus the upfront costs most buyers forget.
Membeli hartanah di Malaysia bermaksud mengira kuantiti pinjaman, kadar faedah, duti setem dan keperluan DSR bank. Kalkulator ini mengendalikan semuanya dalam beberapa saat — masukkan harga hartanah, deposit muka, kadar faedah yang dipetik bank dan tempoh, dan anda mendapat ansuran bulanan tepat serta kos awal yang sering dilupa pembeli.
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Semuanya berjalan dalam pelayar anda. Tiada apa dimuat naik, tanpa daftar, dan angka anda kekal pada peranti anda.
Most Malaysian home loans are variable and pegged to the bank's Base Rate / Base Lending Rate, tracking the OPR. As a planning rule of thumb, use 4.2%–4.7%. If your bank quoted a rate, use that exact figure — and stress-test with +1% to see if you can still comfortably pay.
Kebanyakan pinjaman rumah di Malaysia adalah variabel dan terikat dengan Kadar Asas / Kadar Pinjaman Asas bank, mengikut OPR. Sebagai panduan perancangan, guna 4.2%–4.7%. Jika bank anda telah memetik kadar, guna angka tepat itu — dan uji tekanan dengan +1% untuk lihat sama ada anda masih mampu membayar dengan selesa.
Banks in Malaysia typically require a minimum of 10% of the property price for full financing. A 10% down payment on a RM450,000 home means financing RM405,000. Some schemes (e.g. for first-time buyers under certain government programmes) allow lower deposits.
Bank di Malaysia biasanya memerlukan minimum 10% daripada harga hartanah untuk pembiayaan penuh. Deposit muka 10% untuk rumah RM450,000 bermaksud pembiayaan RM405,000. Sesetengah skema (contoh untuk pembeli pertama di bawah program kerajaan tertentu) membenarkan deposit lebih rendah.
Budget roughly 7–8% of the property price: stamp duty on the transfer (1%–4% tiered), 0.5% stamping on the loan agreement, legal/legal-consultant fees, valuation fees, and MRTT if applicable within 3 years of purchase. The calculator estimates these for you.
Belanjakan lebih kurang 7–8% daripada harga hartanah: duti setem pemindahan (1%–4% berperingkat), seteman perjanjian pinjaman 0.5%, yuran guaman, yuran penilaian, dan MRTT jika berkenaan dalam 3 tahun pembelian. Kalkulator menganggar semuanya untuk anda.
DSR (Debt Service Ratio) is your total monthly loan commitments divided by net monthly income. Most Malaysian banks cap approval at 60–70% DSR. Keep your total DSR under 65% so a rate hike or income dip doesn't put you in trouble.
DSR (Nisbah Bayaran Hutang) ialah jumlah komitmen pinjaman bulanan dibahagi pendapatan bersih bulanan. Kebanyakan bank Malaysia had kelulusan pada DSR 60–70%. Kekalkan DSR jumlah anda bawah 65% supaya kenaikan kadar atau penurunan pendapatan tidak menyusahkan anda.
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.