Housing Loan Calculator

Housing Loan Calculator helps you plan your home purchase in Malaysia with clear, accurate numbers — before you talk to the bank.

Enter your property price, down payment, interest rate, and loan tenure to instantly see your monthly installment and the full cost of your mortgage. The app also estimates the upfront fees Malaysian buyers often forget, so there are no surprises
on your budget.

WHAT YOU CAN CALCULATE
• Monthly home loan installment (repayment)
• Total interest and total amount payable over the loan term
• Down payment and loan amount
• SPA (Sale & Purchase Agreement) stamp duty and legal fees
• Loan agreement stamp duty and legal fees
• Total upfront cash needed to buy your house

LOAN AFFORDABILITY
Find out how much house you can afford based on your monthly income, existing commitments, and Debt Service Ratio (DSR). The affordability tool estimates your maximum loan and property price so you can shop within budget.

AMORTIZATION SCHEDULE
See exactly where your money goes each month:
• Principal vs interest breakdown with percentages
• Year-by-year and month-by-month payment schedule
• Loan balance reducing over time
• Extra repayment and lump-sum planner — see how much interest you save and how many years you cut from your loan

SMART INTEREST RATE
The interest rate field is pre-filled with an up-to-date suggested rate based on the prevailing Overnight Policy Rate (OPR), so you can start with a realistic figure and adjust to match your bank's offer.

SAVE & COMPARE
Save your calculations to history and compare different properties or loan scenarios side by side. Mark important ones as Favourites to keep them permanently.

DESIGNED FOR MALAYSIA
• Ringgit (RM) currency
• Stamp duty and legal fee tiers used in Malaysia
• Available in English, Bahasa Malaysia, and Chinese
• Light and dark theme

SIMPLE, FAST, AND PRIVATE
Your calculations are stored on your device. The app is easy to use whether you are a first-time buyer, refinancing, or a property agent helping clients estimate costs quickly.

Note: All results are estimates for planning and educational purposes only and do not constitute financial advice. Actual rates, fees, and eligibility are determined by your bank and the relevant authorities.

Recent changes:
What's new in this update ✨
• Smarter default interest rate — the app now suggests an up-to-date market rate, so you can start calculating right away.
• Clearer loan breakdown — the Principal vs Interest chart now shows percentages, plus your monthly installment at a glance.
• Affordability tool now uses the latest suggested rate too.
• Handy reminder in History — keep any calculation forever by adding it to your Favourites.
Thanks for using the app! 💙