Malaysia home loan calculator
Calculate Malaysian housing loan and Islamic financing monthly installments, interest charges, and Debt Service Ratio (DSR) limits.
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Current market rates ~4.00% to 4.50% (SBR linked)
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About this tool
Calculate monthly housing loan and Islamic home financing repayments in Malaysia. Determine total interest, financing charges, and check your Debt Service Ratio (DSR) against Bank Negara Malaysia guidelines.
How to use it
- 1 Enter the property purchase price.
- 2 Enter your down payment percentage (minimum 10% standard).
- 3 Enter the annual interest rate and loan tenure (up to 35 years).
Questions
What is the maximum housing loan tenure in Malaysia?
Under Bank Negara Malaysia (BNM) guidelines, the maximum property financing tenure is 35 years or up to age 70, whichever is earlier.
What is Debt Service Ratio (DSR)?
DSR is the ratio of your total monthly debt obligations to your net monthly income, typically capped at 60% to 70% by Malaysian banks.
Is my data uploaded?
No. This tool runs in your browser, so your text and files never reach our server.
Is this tool free?
Yes. It’s free to use with no sign-up and no limits for normal use.
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