Mortgage Calculator

Plan your home purchase with confidence. Get a clear picture of your monthly payments and financial commitment.

Calculate Your Mortgage

Adjust the values to see how they affect your monthly payment.

RM300,000
RM10,000 RM1,000,000
RM60,000 (20%)
RM0 RM500,000
4.5%
0.1% 20%
30 years

Mortgage Summary

Based on your inputs, here's your mortgage breakdown.

Monthly Payment
RM1,520.06
Loan Amount RM240,000
Down Payment RM60,000
Total Interest RM307,220
Total Payment RM547,220
Loan Term 30 years
Note: This is an interest-only calculation. The principal amount will be due at the end of the loan term.

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Frequently Asked Questions

What is a mortgage?

A mortgage is a loan used to purchase real estate where the property serves as collateral for the loan. The borrower agrees to pay back the loan, with interest, over a specified period.

How much down payment do I need?

Down payment requirements vary, but typically range from 3% to 20% of the purchase price. A larger down payment often results in better loan terms and lower monthly payments.

What affects my mortgage rate?

Mortgage rates are influenced by your credit score, loan-to-value ratio, loan term, loan type, current market rates, and economic factors.

What's included in my monthly payment?

Your monthly payment typically includes principal, interest, property taxes, and homeowners insurance (often referred to as PITI).