BidNest Auction

Home loan calculator Malaysia: monthly instalment, interest and total repayment

See what a house loan costs each month before you commit. Enter the price, down payment, interest rate and tenure: the calculator gives the monthly instalment, total interest and total repayment with the standard reducing-balance formula banks use for term loans.

Loan amount
RM540,000
Down payment
RM60,000
Total interest over the tenure
RM388,095
Total repayment
RM928,095
Monthly instalmentRM2,578

The rate here is an example: use the rate your bank offers you. Floating rates move with the bank's base rate.

Rules last checked 2026-11-03. Estimates only, not legal or tax advice.

Monthly instalment per RM100,000 borrowed

Rate20 years25 years30 years35 years
3.5%RM580RM501RM449RM413
4%RM606RM528RM477RM443
4.5%RM633RM556RM507RM473
5%RM660RM585RM537RM505

Multiply by your loan in RM100,000 units. RM540,000 is 5.4 units.

Check whether your income supports it: DSR calculator →

Frequently asked questions

How do I calculate the monthly home loan instalment in Malaysia?
Use the annuity formula: P × r ÷ (1 − (1 + r)^−n), where P is the loan, r the monthly rate and n the number of months. A RM540,000 loan at 4% over 30 years comes to about RM2,578 a month.
How much can I borrow for a house in Malaysia?
Banks commonly lend up to 90% for a first or second house. Bank Negara Malaysia limits the third and later housing loans to 70% of the value. The amount you actually get depends on your income and existing debts, measured by your debt service ratio.
What is the longest home loan tenure in Malaysia?
Many banks offer up to 35 years, ending around age 65 to 70. The exact limit depends on the bank and on your age when you apply.
Does a longer tenure save money?
It lowers the monthly instalment but raises the total interest, because you pay interest for longer. Compare both figures above before you choose.
Can I get a home loan for a bank auction property?
Yes, but arrange it before you bid. The balance is usually due within 90 to 120 days of the auction, and a late payment can forfeit your deposit. Banks value the property themselves, so the loan may be based on the valuation rather than your bid.

More calculators

All Auctions →