Tools
Mortgage calculator
A property price tells you nothing until you know the monthly instalment behind it. Enter the price, the margin you are financing and the rate, and the figure appears below.
An indication only. Banks price each application on its own risk, and a floating rate moves with the OPR.
Frequently asked
How much can I usually borrow for a Malaysian property?
Most banks lend up to 90% of the property value for a first or second home loan, leaving a 10% down payment. The third and subsequent loans are commonly capped at 70%.
What loan tenure should I use?
Tenure runs up to 35 years, and typically must end by age 70. A longer tenure lowers the monthly instalment but raises the total interest paid, which the calculator shows.
Is the interest rate fixed?
Most Malaysian home loans are floating, priced against the bank's Standardised Base Rate. When Bank Negara moves the OPR, the instalment moves with it, so it is worth testing a rate one or two percent higher.
Know the instalment. Now see what it buys.
Tell us the area and the monthly figure you are comfortable with, and we will send a shortlist with floor plans.