DMS
DMS Property Calculator
Malaysia Property Intelligence

Mortgage Calculator

Estimate your monthly installment & total cost of borrowing.

RM
RM
%
4.35%
Yrs
35 Years
Monthly Installment
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Loan Amount
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Total Interest
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Total Payment
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Principal vs Interest

Purchase Cost Calculator

SPA, MOT & Loan legal fees, stamp duties — SRO 2023 & Stamp Act 1949.

RM
RM
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

SPA Legal Fee
Loan Legal Fee
MOT Legal Fee
Total Legal Fees

Stamp Duties - Stamp Act 1949

MOT: 1%(100k) 2%(500k) 3%(1M) 4%(above 1M) | Loan: 0.5% flat | SPA: RM10

MOT Stamp Duty
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Loan Stamp Duty
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SPA Stamp Duty
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Total Stamp Duty
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Disbursements & Other Fees

SPA Disbursements
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Loan Disbursements
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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.

RM
RM
RM
DSR Percentage
-
Max Commitment (60%)
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Total Commitment
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Remaining Buffer
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0%40%60%100%
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Income Allocation

ROI Calculator

Measure your return on property investment.

RM
RM
RM
RM
ROI (%)
-
Total Investment
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Annual Cash Flow
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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.

RM
RM
Gross Rental Yield
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Annual Rental Income
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Monthly/Price Ratio
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Yield Rating
-

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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