Propertyguru Mortgage Calculator Malaysia

Reviewed by: David Chen, CFA
David Chen is a Certified Financial Analyst with over 10 years of experience in SE-Asia mortgage markets and PropertyGuru data analytics.

Use this free PropertyGuru mortgage calculator Malaysia to estimate monthly instalments, total interest, and affordability based on Malaysian home prices, interest rates, and Bank Negara lending guidelines.

PropertyGuru Mortgage Calculator Malaysia

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Malaysia Mortgage Formula

Monthly Instalment: M = P × [ r(1+r)^n ] / [ (1+r)^n – 1 ]

Total Interest: (M × n) – P

Formula Sources: Bank Negara Malaysia | PropertyGuru

Variables

  • Property Price: Purchase price in Malaysian Ringgit.
  • Down Payment: Minimum 10% for first home, 20% for third.
  • Loan Tenure: Max 35 years or age 70, whichever earlier.
  • Interest Rate: Current BR + spread; typical 3.0–4.0% p.a.

Related Calculators

What Is the PropertyGuru Mortgage Calculator Malaysia?

PropertyGuru is Malaysia’s largest property portal. Its built-in mortgage calculator helps buyers estimate monthly instalments in Ringgit, compare bank packages, and check maximum loan eligibility under Bank Negara’s debt-service-ratio (DSR) rules.

This replica tool uses the same reducing-balance formula Malaysian banks apply—giving results consistent with Maybank, CIMB, RHB, and Public Bank quotations.

How to Calculate Malaysia Mortgage Payment (Example)

  1. Enter the property price (e.g., RM 600,000).
  2. Select down-payment percentage—minimum 10% for first home.
  3. Choose tenure up to 35 years or until age 70.
  4. Input the current board rate + margin (e.g., 3.5%). Click “Calculate” for monthly instalment and total interest.

Frequently Asked Questions (FAQ)

What is the maximum DSR allowed? Most Malaysian banks cap monthly debt at 60–70% of gross income.

Can foreigners use this calculator? Yes, but foreign buyers are limited to RM 1 million+ properties and 70% LTV.

Does the calculator include MRTA? No—add mortgage insurance premium to closing costs separately.

Are Malaysian rates fixed or floating? Majority are floating (BR + spread); fixed-rate options usually 3–5 years only.