Malaysian Mortgage Calculator

Calculate your monthly payments, upfront costs, stamp duty, and check government incentives — all based on the latest 2026 Malaysian rates.

Property Ownership Order

Max LTV: 90%Min Down Payment: 10%

Government Incentives You Qualify For

SPA Stamp Duty ExemptionSave RM 9,000

100% stamp duty exemption on SPA for first home ≤RM500k (valid until 31 Dec 2027)

Loan Stamp Duty ExemptionSave RM 2,250

100% stamp duty exemption on loan agreement for first home ≤RM500k (valid until 31 Dec 2027)

Loan Details

Property PriceRM 500,000

RM 100kRM 5M

Down Payment (%)10% = RM 50,000

10%90%

Loan Term30 Years

Interest Rate (%)4.00%

2.50%6.50%

Property Type

Monthly Payment

RM 2,148.37

Total Interest

RM 323,413

Total Payment

RM 773,413

Loan Amount

RM 450,000

Upfront Costs

SPA Costs / Kos SPA

SPA Stamp DutyRM 0.00

Exemption savings-RM 9,000.00

SPA Legal Fees (+8% SST)RM 6,750.00

Loan Costs / Kos Pinjaman

Loan Stamp Duty (0.5%)RM 0.00

Exemption savings-RM 2,250.00

Loan Legal Fees (+8% SST)RM 6,075.00

MLTA (Insurance)RM 5,785.71

Valuation FeeRM 1,000.00

Total Upfront CostRM 19,610.71

You save RM 11,250.00 from government incentives

Affordability Check

Amortization Schedule

Remaining Balance

This calculator provides estimates for reference only. Please consult qualified professionals for specific advice.

Stamp duty rates, legal fees, and government incentives are based on regulations effective as of April 2026. Actual bank rates and eligibility may vary.