Loan calculator
Work out monthly repayments, total cost, and how your instalment sits against income — then open listings around an implied budget (90% financing).
Loan details
Principal and interest only. Add income to unlock income share context below.
Results
- Monthly paymentRM 2,445.09
- Total repaymentRM 880,231
- Total interestRM 380,231
- Principal repaid57%
- Interest43%
Bar shows instalment as a share of gross monthly income (illustrative).
If your monthly payment is RM 2,445 and your income is RM 8,000, this is about 31% of your income, which is generally manageable — leave headroom for living costs and any rate resets. At 4.2% over 30 years, about 43% of all money you repay over the life of the loan is interest — a lower rate or shorter term reduces that share.
Budget link uses max_price = loan ÷ 0.9 (≈ RM 555,556), i.e. 90% financing. Actual LTV depends on your bank and project.
Continue planning
Follow a guided flow between calculators. When you use the links below, we pass your numbers in the URL so the next page starts closer to where you left off.
Suggested next steps
All tools
- Loan calculatorMonthly instalment and total interest on a fixed-rate amortising loan.You are here
- DSR calculatorDebt service ratio from income and monthly loan commitments.
- Affordability calculatorRough max loan from income, DSR cap, and existing obligations.
- Stamp duty calculatorIllustrative Malaysia transfer duty tiers on purchase price.
- Total cost calculatorCash needed upfront: down payment, stamp duty, legal, and fees.
- Browse listingsSearch Johor properties by budget and filters.
Based on your calculation:You can afford RM 488,889–RM 622,222 properties
Next steps
Open listings in this band or use Get My Property Plan with your estimated budget.
Tips
- Interest rate impact: a higher annual rate increases the interest portion of each payment early in the loan, so the same principal costs more per month and over the full term.
- Loan tenure impact: stretching the same loan over more years lowers the monthly instalment but increases total interest paid — you trade monthly cashflow for lifetime cost.
- Principal vs interest: early payments are mostly interest; as the balance falls, more of each instalment pays down principal. Total interest equals all payments minus the original loan amount.
Local insight (Malaysia)
- In Malaysia, advertised housing loan rates often sit roughly around 3.5%–4.5% p.a. for qualified borrowers — your effective rate depends on the bank, package, and lock-in.
- Longer tenure lowers the monthly bill but raises the total amount repaid; compare a 25- and 30-year scenario before you sign.
- Johor Bahru new launches may quote promotional rates — confirm the effective rate, lock-in, and legal fees with your banker.
