Nineteen calculators for buying, financing, renting out and selling property in Malaysia: loan instalments, DSR, stamp duty and legal fees, rental yield, RPGT and more. Each one opens on its own page. The figures are estimates for reference only; actual amounts depend on your bank, your lawyer and the authorities.
All calculators
Financing & Loan
Home Loan Calculator: Work out the monthly instalment and total interest on a home loan in Malaysia from the price, downpayment, interest rate and tenure.
Loan Amortization Schedule: See year by year how a home loan is paid off: opening balance, interest paid, principal paid and what you still owe at the end of each year.
Extra Payment Interest Savings: See how much interest you save and how much sooner a home loan ends when you pay a fixed extra amount of principal every month.
Full-Flexi vs Semi-Flexi Loan: Compare total interest on a semi-flexi and a full-flexi home loan, based on the money you keep in the linked current account and the monthly fee.
Refinance Calculator: Compare your current home loan instalment with the instalment at a new bank's rate, and see the saving after the cost of refinancing.
Early Settlement Calculator: Estimate the interest you avoid by settling a home loan early, less any lock-in penalty. Enter the years paid and your lock-in period.
Affordability
DSR Calculator: Work out your debt service ratio (DSR): monthly commitments including the new home loan, divided by net income, against a reference limit.
Maximum Property Budget: Estimate the highest home loan and property price your income could support, from your net income, existing loans and a reference DSR limit.
Purchase Cost
Stamp Duty & Legal Fees Calculator: Estimate stamp duty on the transfer (MOT) and loan agreement, plus SPA and loan legal fees, for a property purchase in Malaysia.
Upfront Purchase Cost: Add up the cash needed to buy a property in Malaysia: downpayment, stamp duty, legal fees, disbursements and the bank valuation fee.
Renovation Estimator: Add up a home renovation budget item by item: living room, kitchen, bedrooms, bathrooms, air-conditioning, wiring and painting.
Rent vs Buy Calculator: Compare buying a home with a loan against renting a similar home and investing the difference, over a set number of years.
Rental Yields
Rental Yield Calculator: Work out gross and net rental yield from the property price, expected monthly rent and yearly costs such as maintenance and sinking fund.
Airbnb Short-Stay Yield: Estimate yearly short-stay income and net yield from your nightly rate and occupancy, after platform fee, utilities, management and cleaning.
Rental Cashflow & DSCR: See whether the rent covers the loan instalment: monthly net cashflow, cash-on-cash return on your upfront cash and debt coverage ratio.
Taxes & Gains
RPGT Calculator: Estimate real property gains tax (RPGT) on a sale in Malaysia from the purchase price, selling price, years held, costs and seller type.
Exit Profit & ROI: Work out what you keep after selling a property: the gain minus buying costs, agent fee, legal fee, renovation and RPGT, and your return.
Insurance
Fire Insurance Estimator: Estimate a yearly home fire insurance premium from the cost of rebuilding the home, with service tax, stamp duty and contents cover.
MRTA vs MLTA: Compare MRTA and MLTA mortgage cover: an estimated MRTA single premium for your loan against the total MLTA premiums over the tenure.
Glossary
The terms you will hear when buying property in Malaysia, in plain words. For reference only; your bank and lawyer have the final word.
All your monthly loan instalments ÷ your monthly net income. Banks use it to judge how much more you can borrow; the limit varies by bank. Full guide →
DSR is calculated on net income (after EPF, SOCSO/EIS and tax), not gross salary. Two people with the same salary can get different loan amounts because of deductions and existing debts. Full guide →
The reference rate your loan is priced on. Since 1 Aug 2022 new floating loans use the SBR, which moves with the OPR; older loans stay on each bank's BR. Your rate = SBR/BR + the bank's spread. Full guide →
The percentage of the price the bank lends, e.g. 90%. BNM caps an individual's third and later housing loans at 70%. Tenure is up to 35 years or until age 70, whichever is earlier, at the major banks. Full guide →
The part of the price you pay yourself — price minus the loan. With a 90% loan the downpayment is 10%; the booking fee usually counts towards it. Full guide →
Mortgage Reducing Term Assurance. Cover falls in line with your loan balance; usually one single premium that can be added to the loan; payout goes to the bank. Full guide →
Mortgage Level Term Assurance. Cover stays the same; paid monthly or yearly; some plans have cash value and can move to another property. Terms depend on the plan. Full guide →
Sale and Purchase Agreement between buyer and seller (or developer). It sets the price, payment schedule, completion date and each side's duties. Full guide →
Memorandum of Transfer — the document that transfers the title into your name. Stamp duty on it is the largest one-off cost besides the downpayment. Full guide →
MOT for Malaysians/PR: 1% on the first RM100k, 2% up to RM500k, 3% up to RM1m, 4% above. Foreign buyers of residential property: flat 8% for transfers executed from 1 Jan 2026. Loan agreement: 0.5% of the loan. Full guide →
Set by the Solicitors' Remuneration Order 2023: 1.25% on the first RM500,000 (min RM500), then 1% up to RM7.5m. Charged separately for the SPA and the loan, plus 8% SST and disbursements. Full guide →
Tax on the gain when you sell. Malaysians/PR: 30% / 20% / 15% in years 1–3 / 4 / 5, 0% from year 6. Foreign individuals: 30% within 5 years, 10% after. Malaysian companies: 10% from year 6. Full guide →
For new projects, the developer bills in stages as construction progresses (Schedule G for landed, Schedule H for strata). You only pay interest on the amount the bank has released so far. Full guide →
Certificate of Completion and Compliance — the document confirming the building is complete and fit to occupy. The developer hands over the keys (VP) with it; on a completed unit, your lawyer checks it before you sign. Full guide →
Defect Liability Period — starts at VP and runs for 24 months. During it the developer must repair defects you report, so inspect the unit early and report in writing. Full guide →
Monthly charges for strata property. Maintenance covers daily upkeep; the sinking fund (at least 10% of the maintenance charge under the Strata Management Act 2013) is saved for major repairs. Full guide →
Freehold land has no expiry. Leasehold land has a fixed term (commonly 99 years) and can be renewed with the state authority; the process and cost vary by state. Full guide →
Gross = yearly rent ÷ price. Net = (yearly rent − yearly costs such as maintenance, assessment and quit rent) ÷ price. Net is the more realistic figure. Full guide →