Unlike car hire purchase, Malaysian personal loans are true amortising loans — the advertised rate is the actual rate. That makes comparison straightforward: same amount, same tenure, lower rate wins. This calculator gives you the instalment, total interest, and a DSR check against your monthly income so you know whether the bank will even approve it.
Berbeza dengan sewa-beli kereta, pinjaman peribadi Malaysia ialah pinjaman amortisasi sebenar — kadar diiklankan ialah kadar sebenar. Itu menjadikan perbandingan mudah: jumlah sama, tempoh sama, kadar lebih rendah menang. Kalkulator ini memberikan ansuran, jumlah faedah, dan semakan DSR terhadap pendapatan bulanan anda supaya anda tahu sama ada bank akan meluluskannya sekalipun.
Bilingual by design — toggle between English and Bahasa Melayu in the header.
Dibina dwibahasa — togol antara English dan Bahasa Melayu di kepala halaman.
Banks typically allow total DSR up to 60–70%. With no other debts and a 5-year personal loan at 7%, RM5,000/month supports roughly RM95,000–105,000. With an existing car loan instalment of RM1,000, that drops to around RM70,000.
Bank biasanya benarkan DSR jumlah sehingga 60–70%. Tanpa hutang lain dan pinjaman peribadi 5 tahun pada 7%, RM5,000/sebulan menyokong lebih kurang RM95,000–105,000. Dengan ansuran kereta sedia ada RM1,000, itu jatuh ke sekitar RM70,000.
Typical: RM10–50 processing fee, 0.5% stamp duty on the agreement (often absorbed), and annual service tax on the interest. Some banks bundle credit insurance (MPI) — optional but it protects your family; check whether it's financed into the loan, which raises your total cost.
Lazim: yuran pemprosesan RM10–50, duti setem 0.5% pada perjanjian (kerap diserap), dan cukai servis tahunan pada faedah. Sesetengah bank membungkus insurans kredit (MPI) — pilihan tetapi melindungi keluarga anda; semak sama ada ia dibiayai ke dalam pinjaman, yang menaikkan jumlah kos anda.
The 'from' rate is reserved for top-tier profiles: high income, government or GLC employment, clean CCRIS. Your actual rate depends on your scoring. Always check your approved rate before accepting — and use the calculator to see what it really costs.
Kadar 'dari' rizab untuk profil teratas: pendapatan tinggi, kerja kerajaan atau GLC, CCRIS bersih. Kadar sebenar anda bergantung pada pemarkahan anda. Sentiasa semak kadar diluluskan anda sebelum menerima — dan guna kalkulator untuk lihat berapa kos sebenarnya.
Yes, most banks allow early settlement. Watch for early settlement charges — typically 1–2% of the outstanding balance or a few months' interest. Compare the charge against the interest you'd save; the calculator's total-interest figure shows what you're escaping.
Ya, kebanyakan bank benarkan penyelesaian awal. Perhatikan caj penyelesaian awal — lazimnya 1–2% daripada baki tertunggak atau beberapa bulan faedah. Bandingkan caj dengan faedah yang anda jimatkan; angka jumlah faedah kalkulator menunjukkan apa yang anda elakkan.
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.