Property
Mortgage Calculator
Monthly home-loan repayment, total interest and payoff schedule.
Monthly repayment
RM 2,226.92
Loan RM 450,000 over 360 months
Total interest
RM 351,692
Total repayment
RM 801,692
Down payment
RM 50,000
Loan amount
RM 450,000
Upfront costs (Malaysia)
Stamp duty (transfer)
RM 0
exempt
Loan stamp duty
RM 0
exempt
Legal fees (SPA+loan)
RM 10,260
incl. 8% SST
Total upfront
RM 60,260
+ down payment
Loan principal RM 450,000
Total interest RM 351,692
Total of 360 payments RM 801,692
Yearly payment split — principal vs interest
Accumulation schedule
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | RM 7,520 | RM 19,203 | RM 442,480 |
| 2 | RM 7,850 | RM 18,873 | RM 434,630 |
| 3 | RM 8,194 | RM 18,529 | RM 426,436 |
| 4 | RM 8,554 | RM 18,169 | RM 417,882 |
| 5 | RM 8,929 | RM 17,794 | RM 408,953 |
| 6 | RM 9,320 | RM 17,403 | RM 399,633 |
| 7 | RM 9,729 | RM 16,994 | RM 389,904 |
| 8 | RM 10,156 | RM 16,567 | RM 379,748 |
| 9 | RM 10,601 | RM 16,122 | RM 369,147 |
| 10 | RM 11,066 | RM 15,657 | RM 358,081 |
| 11 | RM 11,551 | RM 15,172 | RM 346,529 |
| 12 | RM 12,058 | RM 14,665 | RM 334,471 |
| 13 | RM 12,587 | RM 14,136 | RM 321,884 |
| 14 | RM 13,139 | RM 13,584 | RM 308,745 |
| 15 | RM 13,715 | RM 13,008 | RM 295,030 |
| 16 | RM 14,317 | RM 12,406 | RM 280,713 |
| 17 | RM 14,945 | RM 11,778 | RM 265,769 |
| 18 | RM 15,600 | RM 11,123 | RM 250,169 |
| 19 | RM 16,284 | RM 10,439 | RM 233,884 |
| 20 | RM 16,998 | RM 9,725 | RM 216,886 |
| 21 | RM 17,744 | RM 8,979 | RM 199,142 |
| 22 | RM 18,522 | RM 8,201 | RM 180,620 |
| 23 | RM 19,334 | RM 7,389 | RM 161,285 |
| 24 | RM 20,182 | RM 6,541 | RM 141,103 |
| 25 | RM 21,068 | RM 5,655 | RM 120,035 |
| 26 | RM 21,992 | RM 4,731 | RM 98,044 |
| 27 | RM 22,956 | RM 3,767 | RM 75,088 |
| 28 | RM 23,963 | RM 2,760 | RM 51,125 |
| 29 | RM 25,014 | RM 1,709 | RM 26,111 |
| 30 | RM 26,111 | RM 612 | RM 0 |
FAQ
Are Malaysian home loans flat or reducing rate?
Reducing balance (floating) — interest is charged on the outstanding amount and the rate tracks the OPR/Base Rate. This calculator uses reducing-balance amortisation.
What rate should I use?
In 2026 effective lending rates are roughly 4.2–4.5% p.a. (OPR 2.75% + spread). Use your bank's quoted rate.
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