What is the current Standardised Base Rate (SBR) in Malaysia?

The current Standardised Base Rate (SBR) in Malaysia is 2.75% following the OPR cut in July 2025. Home loan rates are typically SBR plus a spread of 0.5% to 1.5% depending on the bank.

What is the maximum home loan tenure in Malaysia?

The maximum home loan tenure in Malaysia is generally 35 years, subject to the borrower not exceeding age 70 at the end of the loan period.

What is Skim Rumah Pertamaku (SRP)?

Skim Rumah Pertamaku (SRP) offers 100% financing with zero down payment for first-time Malaysian buyers aged 18 to 40 earning below RM5,000 per month, purchasing properties priced up to RM500,000.

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Malaysia 2026

Calculate monthly instalment for any property price. Uses SBR 2.75% (effective July 2025 after OPR cut). All major Malaysian banks. Includes Skim Rumah Pertamaku.

Calculate Monthly Instalment

Property Price (RM)

Down Payment

Loan Tenure (years)

Interest Rate (%)

SBR-linked rates currently around 4.25–4.75% (SBR 2.75% + bank spread). Check with your bank for latest rates.

Down payment

Loan amount

Total repayment

Total interest

Current Rates & Schemes 2025

Current SBR

2.75% effective July 2025

Skim Rumah Pertamaku

100% financing for first-time buyers aged 18–40, income below RM5,000/month, property up to RM500,000.

Stamp Duty Exemption

First-time buyers purchasing below RM500,000 are exempt from MOT stamp duty until December 2027.

Key Facts - Home Loans Malaysia

Malaysian banks typically approve home loans where total monthly debt commitments do not exceed 70% of net income (Debt Service Ratio). Banks assess both CCRIS and CTOS scores. A CTOS score above 697 significantly improves approval chances. Home loan stamp duty of 0.5% still applies even under first-time buyer exemptions. Maximum loan tenure is 35 years or until age 70, whichever is earlier.

Source: Bank Negara Malaysia · OPR July 2026 · Cagamas SRP

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ⓘ This calculator provides estimates only. Actual loan amounts and monthly instalments are subject to bank approval and current OPR. Not financial advice. Verify all figures directly with your bank.

Home Loan CalculatorMalaysia 2026

Calculate Monthly Instalment

Home Loan Calculator
Malaysia 2026