Tools计算工具
Mortgage Calculator房贷计算器
Quick estimate of your monthly home loan repayment in Malaysia. Enter your property price and the calculator updates as you type.快速估算您在马来西亚的每月房贷还款额。输入房产价格，计算结果会随您输入即时更新。
Market average: ~3.7% p.a.市场平均：约 3.7% 年利率
Maximum mortgage loan tenure is typically 35 years.房贷最长年限通常为 35 年。
Monthly repayment每月还款
RM 2,578
- Loan amount贷款金额
- RM 540,000
- Total interest利息总额
- RM 388,099
- Total payable还款总额
- RM 928,099
How to use this calculator
如何使用这个计算器
Start with the price of the property you're considering. Adjust the down payment to match what you've saved — most Malaysian banks finance up to 90% of the property value, so a 10% down payment is the common minimum.
先输入您考虑的房产价格。把首付调整为您已存下的金额——大多数马来西亚银行最高可贷房价的 90%，因此 10% 首付是常见的最低要求。
The interest rate field defaults to 4.0%, which is roughly the prevailing effective lending rate for Malaysian residential mortgages. Your actual offer will depend on your bank, credit profile, and whether you're locked in to the Standardised Base Rate (SBR).
利率栏默认为 4.0%，大致相当于目前马来西亚住宅房贷的有效贷款利率。您实际获得的利率取决于银行、信用状况，以及是否采用标准基准利率 (SBR)。
What's NOT included
未包含的费用
- — SPA stamp duty & loan stamp duty (use our stamp duty calculator)
- — Whether the bank will approve this loan based on your income (check our DSR calculator)
- — Legal fees for the SPA & loan agreements
- — Valuation fees
- — MRTA / MLTA insurance premiums
- — Maintenance / sinking fund (for stratified properties)
- — Quit rent & assessment
- — 买卖合约印花税及贷款印花税（可用我们的印花税计算器）
- — 银行是否会依据您的收入批准贷款（请查看我们的 债务比率计算器）
- — 买卖合约及贷款合约的律师费
- — 估价费
- — MRTA / MLTA 房贷保险费
- — 管理费／储备金（分层地契产业）
- — 门牌税及地税
Estimates only. Confirm actual figures with your chosen bank before signing.
仅供估算。签约前请向您选择的银行确认实际数字。