DMS
DMS Property Calculator
Malaysia Property Intelligence
Mortgage Calculator
Estimate your monthly installment & total cost of borrowing.
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4.35%
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35 Years
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Total Interest
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Principal vs Interest
Purchase Cost Calculator
SPA, MOT & Loan legal fees, stamp duties — SRO 2023 & Stamp Act 1949.
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Auto-filled from Mortgage Calculator
Legal Fees - SRO 2023 + 6% SST
SPA & Loan: 1.25% first RM500k, 1.00% next RM7M | MOT: 25% of SRO scale | all + 6% SST
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Stamp Duties - Stamp Act 1949
MOT: 1%(100k) 2%(500k) 3%(1M) 4%(above 1M) | Loan: 0.5% flat | SPA: RM10
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Disbursements & Other Fees
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Valuation Fee
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Total Disbursements
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Cash Summary
Total Legal + Duties
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% of Property Price
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Down Payment (10%)
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Total Cash Needed
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Cost Breakdown
DSR Calculator
Debt Service Ratio - know your borrowing eligibility.
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DSR Percentage
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Max Commitment (60%)
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Total Commitment
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Income Allocation
ROI Calculator
Measure your return on property investment.
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ROI (%)
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Net Annual Profit
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Investment vs Annual Return
Rental Yield Calculator
Find out if your rental income justifies the property price.
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Gross Rental Yield
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Annual Rental Income
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Monthly/Price Ratio
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Yield Rating
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5-Year Rental Projection
For estimation only. Consult a licensed solicitor and financial advisor. SRO 2023 and Stamp Act 1949 (Finance Act 2025).
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MALAYSIA PROPERTY INTELLIGENCE · DMS TEAM
Home Loan Calculator Malaysia 2026
Use this free home loan calculator Malaysia to estimate your monthly mortgage installment, check your DSR loan eligibility, work out legal fees and stamp duty, and measure rental yield and ROI — all in one place. Built by Jason Chan and the DMS Team, every figure follows Bank Negara DSR guidance, the SRO 2023 legal-fee scale and the Stamp Act 1949 (Finance Act 2025), so your numbers reflect real Malaysian buying costs before you commit.
This property loan calculator Malaysia combines five tools buyers usually hunt for separately:
- Mortgage Calculator — monthly installment, total interest & total payment
- Purchase Cost Calculator — SPA, MOT & loan legal fees, stamp duty (SRO 2023)
- DSR Calculator — your borrowing eligibility in seconds
- ROI Calculator — return on a property investment
- Rental Yield Calculator — gross yield and a clear yield rating
How to use each calculator
A quick guide to every tool above — and the formulas behind them — so you know exactly what each number means.
Mortgage Calculator Malaysia — estimate your monthly installment
Enter the property price, your down payment, the interest rate and loan tenure to see your monthly home loan installment, total loan amount, total interest and total payment over the life of the loan. Most Malaysian banks lend up to 90% of the property value over a maximum 35-year tenure, with rates floating around the Standardised Base Rate (SBR). Use this to sanity-check affordability before you fall in love with a unit.
DSR Calculator Malaysia — check your loan eligibility
Your Debt Service Ratio (DSR) is the single biggest factor in loan approval. Banks compare your total monthly commitments (including the new installment) against your net income — most cap approvals around 60–70%. Enter your net salary, existing commitments and the new installment to see your DSR percentage, your maximum allowed commitment and your remaining buffer. If your DSR is too high, you either reduce existing debt or look at a smaller loan.
Property purchase cost calculator — legal fees & stamp duty (SRO 2023)
The price on the listing is never the real cash you need. This tool breaks down SPA and loan legal fees (1.25% on the first RM500k, 1.00% on the next RM7M, plus 6% SST), MOT and loan stamp duty under the Stamp Act 1949 (1% to 4% tiered), disbursements and your valuation fee — then totals the real cash needed to buy property in Malaysia. First-home buyers may qualify for stamp-duty exemptions up to RM500k.
Property ROI calculator Malaysia
Measure whether an investment actually pays. Enter the property price, renovation cost, monthly rental income and annual expenses to get your ROI percentage, total investment, annual cash flow and net annual profit. ROI tells you how hard your capital is working — essential for comparing one investment property against another.
Rental yield calculator Malaysia
Gross rental yield = annual rent ÷ property price. Enter the price and monthly rent to see your yield percentage and a clear rating. In Kuala Lumpur, a gross yield around 4–5% is typical for condominiums; significantly higher may signal an oversupplied area, while very low yields suggest you’re paying for capital-growth potential rather than cash flow.
How much home loan can I afford in Malaysia?
As a rule of thumb, your total monthly debt commitments — car loan, credit cards, personal loans plus the new home loan — should stay within 60–70% of your net income (your DSR). On a typical 35-year tenure at around 4% interest, roughly every RM1 of affordable monthly repayment supports about RM200 of loan. So if you can comfortably allocate RM2,000 a month after existing commitments, you’re looking at a loan in the region of RM400,000. Run your exact numbers in the DSR and Mortgage calculators above, then talk to Jason for a full eligibility check against your real credit profile.
FAQ
Home loan calculator Malaysia — frequently asked questions
How is DSR calculated in Malaysia?
DSR (Debt Service Ratio) = total monthly debt commitments ÷ net monthly income, expressed as a percentage. It includes your new home loan installment plus existing car loans, credit cards and personal loans. Most Malaysian banks approve loans where DSR stays within roughly 60–70%, though the exact cap depends on your income band and the bank.
How much down payment do I need to buy property in Malaysia?
For most residential purchases banks finance up to 90% of the property value, so you typically need a 10% down payment, plus cash for legal fees, stamp duty and disbursements. Use the Purchase Cost Calculator above to see the full cash needed, not just the 10%.
What are the legal fees and stamp duty when buying property in Malaysia?
SPA and loan legal fees follow the SRO 2023 scale — 1.25% on the first RM500,000 and 1.00% on the next RM7 million, plus 6% SST. Stamp duty on the transfer (MOT) is tiered from 1% to 4% under the Stamp Act 1949, and loan stamp duty is a flat 0.5%. First-home buyers may qualify for exemptions up to RM500,000.
How much home loan can I get with my salary?
A rough guide: your total monthly commitments should stay within about 60–70% of net income, and roughly RM1 of affordable monthly repayment supports around RM200 of loan over a 35-year tenure at ~4%. Enter your salary and commitments in the DSR and Mortgage calculators for an instant estimate.
What is a good rental yield in Kuala Lumpur?
Gross rental yields of around 4–5% are typical for KL condominiums. Higher yields can indicate an oversupplied or lower-growth area, while lower yields often reflect prime locations bought for capital appreciation. The Rental Yield Calculator gives you a clear rating instantly.
Is this property loan calculator accurate?
It gives a reliable estimate based on Bank Negara DSR guidance, the SRO 2023 legal-fee scale and the Stamp Act 1949. It is for estimation only — actual bank approval depends on your full credit profile, employment history and the property valuation. For a precise eligibility check, speak with Jason Chan directly.
Want a precise eligibility check?
Your calculator estimate is a starting point. Jason Chan reviews your real credit profile, commitments and the project you’re eyeing — then tells you exactly what you can borrow and what it’ll cost.