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Malaysia home loan calculators. Free & instant.

Four tools built for KL buyers — work out your monthly repayment, how much you can borrow, refinance savings, and the stamp duty you’ll pay.

Monthly repaymentAffordability (DSR)Refinance & cash-outStamp duty & costs
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How to read the examples below: each calculator shows a worked example using typical figures for a Klang Valley buyer. Message us your own numbers on WhatsApp for an instant personalised estimate.

Monthly repayment · free

Home loan monthly repayment.

Estimate the monthly instalment on a Kuala Lumpur home loan using the reducing-balance method Malaysian banks use.

Property priceRM 650,000
Margin of finance90%
Loan tenure35 years
Interest rate (p.a.)3.85%
Estimated monthly repayment
RM 2,538/mo
Loan amount
RM 585,000
Total interest over tenure
RM 480,902
Indicative only. Final rate & margin depend on the bank’s credit assessment.
Check my loan eligibility
Affordability · DSR

How much home loan can I afford?

Banks approve on your Debt Service Ratio (DSR) — commitments as a share of income. This example shows the borrowing ceiling for a typical KL profile.

Net monthly incomeRM 8,000
Existing commitmentsRM 1,200
Bank DSR limit70%
Interest rate / tenure3.85% · 35 yrs
Est. max property price
RM 1,126,933
Est. max loan amount
RM 1,014,240
Affordable instalment
RM 4,400/mo
Indicative only. Each bank weighs income and commitments differently — we check yours against 15.
Get my real DSR checked
Refinance & cash-out

How much can I save or cash out?

If your KL property has appreciated, refinancing can lower your rate or release equity as cash. This example shows both.

Current market valueRM 750,000
Bank valuation margin90%
Outstanding loanRM 380,000
New rate / tenure3.55% · 30 yrs
Estimated eligible cash-out
RM 295,000
Projected new monthly
RM 3,050/mo
New loan amount (bank valuation) RM 675,000 · subject to bank approval.
Check my cash-out eligibility
Stamp duty & upfront cash

What cash do I need upfront?

Beyond the down payment, a KL or Selangor purchase carries one-off legal and stamp-duty costs. This example is for a non-exempt first-time buyer above the RM500k exemption band.

Property priceRM 600,000
Margin of finance90%
Down payment (10%)RM 60,000
MOT + legal + loan stampRM 27,020
Total cash upfront
RM 87,020
Illustration on 2026 schedules. Exemption bands change with government policy — ask your advisor what applies to you.
Plan my upfront costs

Estimates are a start. Get your real numbers.

A calculator can’t see your CCRIS or how each KL bank reads your income. We’ll run your actual profile and send you the Home Loan Readiness Kit — free.

  • Your real DSR & borrowing ceiling, checked against 15 banks
  • A KL/Selangor stamp-duty & upfront-cash breakdown for your budget
  • The 2-3 banks most likely to approve your exact profile
Get my free pre-approval check

What every number means for a KL home buyer.

Property in the Klang Valley moves fast and prices are high. Understanding these figures before you view a unit is what keeps a good deal from slipping away.

Your DSR

Most KL banks cap your Debt Service Ratio between 60% and 70%. Every car loan, PTPTN and credit-card balance eats into what you can borrow.

Margin of finance

First and second properties usually get up to 90%. From the third, banks drop to 70%, so you fund more of the price in cash.

Interest rate

Most KL home loans are floating, pegged to the bank's base rate plus a spread. When Bank Negara moves the OPR, your instalment moves with it.

Tenure

Up to 35 years or age 70, whichever comes first. A longer tenure lowers the monthly figure but raises the total interest you pay.

Typical property price bands across the Klang Valley

Indicative 2026 ranges to sanity-check your calculator inputs. Actual pricing varies by project, tenure and condition.

KLCC & Bangsar
RM1.2m – RM3m+
High-rise & prime residential
Mont Kiara & Sri Hartamas
RM800k – RM2m
Family condos, expat belt
Cheras & Sri Petaling
RM450k – RM800k
Value high-rise, MRT-linked
Setapak & Wangsa Maju
RM380k – RM650k
First-home & upgrader stock
Kepong & Segambut
RM400k – RM700k
Landed & mixed development
Petaling Jaya & Subang
RM500k – RM1.2m
Established Selangor suburbs

KL home loan calculator FAQ.

Most KL banks lend up to the point where your total monthly commitments stay under about 60-70% of your net income (your DSR). On an RM8,000 income with an RM1,200 car loan, that typically supports a loan around RM900,000 over 35 years at current rates.
Debt Service Ratio (DSR) is the share of your net income already committed to loans and credit-card minimums. Malaysian banks usually cap approvals between 60% and 70% DSR.
They use the same reducing-balance method Malaysian banks use, so the figures are close. What a calculator cannot see is your CCRIS/CTOS record and how each bank weighs your income — that’s why we run a free check against 15 banks before you apply.
Margin of finance is the percentage of the property price the bank lends. For a first or second property it is usually up to 90%, dropping to 70% from the third property onward.
No. All four calculators are free and instant with no sign-up. If you want your real numbers checked against 15 banks, request a free pre-approval check via WhatsApp.