Calculate your monthly instalment, maximum loan amount, and affordability. Based on current SBR 2.75% and major bank rates.
Enter your loan details to see your estimated monthly repayment.
Enter your loan details on the left to calculate your monthly instalment.
Rates are estimates based on floating rate loans. Actual rate depends on your credit profile and bank. Current SBR: 2.75% (as of early 2026).
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Already bought? When you rent it out you'll need a tenancy agreement.
Generate Agreement RM79 →Find out the maximum home loan you can get based on your income and existing commitments.
Enter your income details on the left to see how much home you can afford.
Based on Debt Service Ratio (DSR). Banks typically allow DSR of 60 70% of gross income. Final approval depends on your credit score and CCRIS report.
Planning to rent out the property? Get your tenancy agreement ready.
Generate Agreement RM79 →Rates are indicative for good credit profiles (clean CCRIS, DSR under 60%). SBR (Standardised Base Rate) is currently 2.75%, pegged to Bank Negara's OPR. Rates may change with OPR movements. Always compare Effective Lending Rate (ELR), not just SBR or BR.
Getting a home loan in Malaysia is one of the most significant financial decisions you'll make. Understanding how interest rates, tenure, and your income affect your monthly repayment is essential before you commit.
Banks in Malaysia use the Debt Service Ratio (DSR) to determine how much they'll lend you. Most banks allow a DSR of 60 70% of your gross income. This means if your gross income is RM8,000, your total monthly debt repayments (including the new loan) cannot exceed RM4,800 RM5,600.
Most Malaysian home loans are floating rate, pegged to the Standardised Base Rate (SBR) which follows Bank Negara's Overnight Policy Rate (OPR). The OPR was cut to 2.75% in July 2025 and is expected to hold through 2026. Floating rates work in your favour when OPR falls; fixed rates give certainty when rates are expected to rise.
Most banks offer up to 35 years tenure, or until you turn 70, whichever is earlier. Some government-linked schemes (like BSN and LPPSA for civil servants) offer up to 40 years for borrowers aged 30 and below as of April 2025.