Home loan calculator Malaysia 2026
Estimate your monthly instalment, total interest, total payable and minimum income needed.
How much home loan can you afford in Malaysia? The useful first answer is the monthly instalment, not the property price. Enter the mortgage rate quoted by a bank, along with price, down payment and tenure, to estimate a reducing-balance repayment. The 4.20% default is an editable illustration, not a current offer or a prediction from BNM OPR. Actual pricing depends on the bank, product, property, lock-in, margin, costs and credit assessment.
Sets the max-price estimate shown above. Commitments = your existing loan, car and card repayments.
Enter the rate from the bank's current product page or quotation. OPR is not a consumer mortgage rate.
Q.Is this reducing balance?
Yes. The monthly uses P x mr / (1 - (1 + mr)^-n).
Q.Why use 35% DSR?
It is a simple housing-payment planning ceiling, not a universal bank rule.
Q.Does it include legal fees?
No. It focuses on loan instalment and interest, not transaction costs.