Malaysia Home Loan Calculator
Work out your monthly repayment, or flip to affordability mode to see how much you can borrow based on your income and DSR.
Official source, coverage and how this is calculated: see our data methodology →
Home-loan rates are BR/BLR-linked and move with the OPR. See the OPR tracker for the current rate and enter your bank's quoted rate above for an accurate figure.
Where these figures come from
- BNM — Indicative, 2026pending review
Figures marked pending review are being fact-checked against the primary source by our editor before final publication. Always confirm the current-year figure with the official source before acting on it.
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A lower rate on a large loan saves tens of thousands over the tenure — compare before you commit.
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Frequently asked questions
How is my monthly home loan repayment calculated?
It uses the standard amortisation formula: the loan amount (price minus down payment), the annual interest rate, and the tenure in years determine a fixed monthly instalment that pays off both principal and interest over the term.
How much home loan can I afford?
Switch to the affordability tab. Banks size your loan against your Debt-Service Ratio (DSR) — your total monthly commitments as a share of income. The tool applies a typical DSR ceiling to your income (less existing commitments) to estimate your maximum loan and property price.
What interest rate should I use?
Malaysian home loan rates are linked to each bank's Base Rate (BR) / Base Lending Rate (BLR), which move with Bank Negara's OPR. Use the rate your bank quotes you. The default is indicative only — check the OPR tracker for the current base rate.
What is DSR and what's a safe level?
DSR (Debt-Service Ratio) is your total monthly debt repayments divided by your net income. Banks typically approve up to 60–70%, but the lower your DSR the safer your finances and the better your approval odds.
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