Home loan calculator

Estimate monthly repayments or property affordability.

Monthly repayment estimate

Adjust the property price, down payment, effective rate and tenure. Results update instantly.

Property price

Down payment

Effective interest / profit rate

% p.a.

Use the effective annual rate quoted by the bank, not SBR alone.

Loan tenure

years

Estimated monthly instalment: RM 2,130
Estimated loan amount: RM 450,000
Total repayment: RM 894,455
Total interest / profit: RM 444,455

If the rate rises by 1%

Estimated monthly instalment: RM 2,417Monthly increase: RM 287

Indicative only — actual rates, eligibility, and approved amounts vary by applicant and bank.

Show repayment breakdown

Yearly repayment breakdown

Figures are grouped by loan year and may vary slightly from a bank statement due to rounding and daily-rest calculations.

Year	Principal	Interest / profit	Closing balance
1	RM 5,417	RM 20,139	RM 444,583
2	RM 5,666	RM 19,890	RM 438,918
3	RM 5,926	RM 19,630	RM 432,992
4	RM 6,198	RM 19,358	RM 426,794
5	RM 6,483	RM 19,073	RM 420,311
6	RM 6,781	RM 18,775	RM 413,531
7	RM 7,092	RM 18,464	RM 406,439
8	RM 7,418	RM 18,138	RM 399,021
9	RM 7,759	RM 17,797	RM 391,262
10	RM 8,115	RM 17,441	RM 383,147
11	RM 8,488	RM 17,068	RM 374,659
12	RM 8,878	RM 16,678	RM 365,781
13	RM 9,286	RM 16,270	RM 356,496
14	RM 9,712	RM 15,844	RM 346,783
15	RM 10,158	RM 15,397	RM 336,625
16	RM 10,625	RM 14,931	RM 326,000
17	RM 11,113	RM 14,443	RM 314,887
18	RM 11,624	RM 13,932	RM 303,263
19	RM 12,158	RM 13,398	RM 291,105
20	RM 12,716	RM 12,840	RM 278,389
21	RM 13,300	RM 12,255	RM 265,088
22	RM 13,911	RM 11,644	RM 251,177
23	RM 14,551	RM 11,005	RM 236,626
24	RM 15,219	RM 10,337	RM 221,407
25	RM 15,918	RM 9,638	RM 205,489
26	RM 16,649	RM 8,906	RM 188,840
27	RM 17,414	RM 8,142	RM 171,425
28	RM 18,214	RM 7,342	RM 153,211
29	RM 19,051	RM 6,505	RM 134,160
30	RM 19,926	RM 5,630	RM 114,233
31	RM 20,842	RM 4,714	RM 93,392
32	RM 21,799	RM 3,757	RM 71,592
33	RM 22,801	RM 2,755	RM 48,792
34	RM 23,848	RM 1,708	RM 24,944
35	RM 24,944	RM 612	RM 0

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Important information

These figures are indicative only. They are not final figures from any bank and do not confirm financing approval.

Banks assess each applicant individually. Your actual rate and financing terms can differ based on income, commitments, credit profile, financing amount, property, tenure, and bank policy.

For your actual eligibility, approved financing amount, and mortgage or home-financing rate, contact Azhari directly or speak with a bank's home-financing officer.

Illustrative defaults: 90% financing, 4.50% effective annual rate and up to 35 years. Assumptions reviewed 2 August 2026.

MRTA/MLTA, legal fees, valuation fees, stamp duty and other purchase costs are excluded.